Midland Credit Management - Has anyone been ripped off?

Midland Credit Management Inc. offers debt collection and information management services. It is a wholly owned subsidiary of Encore Capital Group, based in San Diego, California.

Consumer feedback on Midland Credit Management

Several consumers have shared their experiences with Midland Credit Management Inc. in the debt forums. Take a quick look at what they've said about this CA.

• Sending letters to the wrong address: One consumer was embarrassed when Midland Credit Management Inc. sent a settlement letter to a relative's address, making the relative aware of the consumer's financial problems. Learn more...
• Harassing letters: One consumer reported that Midland Credit Mgmt Inc. sent her a letter asking for payment on an account, which was opened in her grandmother's name. The consumer's grandmother had died several years ago, and the consumer was sure that her grandmother had not owed any money for a loan or credit card when her grandmother passed away. The consumer tried calling Midland Credit Mgmt Inc., but the representative was very rude and hung up the phone when the consumer refused to give any personal details. Find out more
• Filing judgment for old debt: One consumer was served a judgment from Midland Credit Management Inc. for an FNCB (First National Community Bank) debt that he had paid off long ago. The consumer never received any statements from FNCB and had paid online as long as their website worked. He didn't receive any correspondence from Midland Credit Mgmt Inc. prior to the judgment, and was very confused why he was sent a judgment order and not a summons. Learn more
• Harassing calls: Midland Credit Management Inc. repeatedly called a consumer regarding payment on a cell phone bill. When they were told that it was already paid off to another collection agency, Midland Credit said the SOL wasn't over and the consumer needed to pay off the account fast. The consumer had to pay the bill again fearing that Midland Credit Mgmt Inc. may file a lawsuit against him.
  
  The collection agency is also said to harass consumers by asking them to pay accounts without sending them an account statement. They often insist that consumers pay their bills on phone and not through certified mail. Find out more...

How to deal with Midland Credit Management Inc.

If you get a call from Midland Credit Management Inc. and you're not sure you owe the debt, send them a debt validation letter asking them to verify that you owe the money. If the CA provides you with enough evidence that you owe the debt, then you should pay the debt. If you're unable to pay off the entire balance, you should try to negotiate a debt settlement with Midland Credit Mgmt Inc. For further information, check out these tips on how to deal with debt collectors and dispute your account.

How to contact Midland Credit Management

If you need to contact the collection agency to dispute your account or request a settlement, you should send them a certified letter at the Midland Credit Management Inc. address below:

Midland Credit Management, Inc.
P.O. Box 939019
San Diego, CA 92123-9019

If you'd like to discuss an account dispute, you should call Midland Credit Mgmt at (800) 825-8131 ext. 2980.