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Are Representatives from Midland Credit Management Calling You Constantly?

Don’t ignore them. If you do, they will just skip straight to having negative items placed on your credit report.

These items will ruin your credit score for up to 7 years.

Who is Midland Credit Management?

Midland Credit Management is the name of a debt collection company operating in many states.

They are often accused of all the same bad behaviors that debt collectors typically use when trying to make money. For example, they might “accidentally” call your friends, family, or employer about your debts, send crucial paperwork to the wrong address, or “forget” to send it entirely.

They will probably be very aggressive in trying to secure repayment on the debts they accuse you of, to the point where they won’t even listen to legitimate complaints about the veracity of the debt. If you are being harassed by Midland Credit Management about a debt that is expired, previously paid off, or never belonged to you in the first place, get professional help immediately.

How to Contact Midland Credit Management

aka/Midland Funding a subsidiary of Encore Capital Group, Inc.

MRC Receivables

8875 Aero Dr., Ste 200

San Diego, CA 92123-2255

Telephone: (858)-309-6970 or 1-800-825-8131 or (858)-309-6970 or (858)-560-2600

Fax: 1-800-306-4443 or (858)-309-6977


4302 E. Broadway Rd.

Phoenix, AZ 85040-8808

Telephone: 1-800-265-8825 or (602)- 707-0211


16 McLeland Road

St. Cloud, MN 56303

Telephone: 1-800-265-8825

Midland Credit Management is a debt collection agency that is located in San Diego, CA and is a subsidiary of the Encore group. It deals with many kinds of debt collections like utility bills, credit card bills, telecommunication bills etc.

They have to deal with debtors who have not paid their outstanding dues to the originating creditors. The debt collection agencies are invited by the originating creditors to handle their financial mess when their debtors refuse to pay up.

This is done by buying of the debts in bulk at cheap rates. Now the debt collection agency proceeds to the subsequent step of contacting the debtors to regain the debts at much higher margins of profit. To ensure this, the debt collection agency simply adds on charges, fines and inflates the actual amount to almost 10 – 15 times the original amount.

Debtors have some or the other kind of financial problems. That is the reason why they defaulted on payments in the first place, isn’t it? Now when they receive inflated bills on all their outstanding dues, how would they manage to pay up?

This is when the tussle between the debt collection agencies and the debtors/ consumers begins. Debt collection agencies usually get the upper hand because they are in a favorable position and they employ all kinds of underhand tactics to get their needs met.

Debt collection agencies have been known to contact debtors even if their debts are decades older and no longer valid. Sip tracing methods are employed to find the current location, address, phone numbers etc. So debtors can be traced even if they have changed their jobs, homes etc.


The client experience depicted on this website is 100% factual, documented, and verifiable.Only the first name of the person depicted above has been changed to protect her identity.The average result of a Lexington Law client is 10.2 removals by month 4 across three credit bureau reports.We serve as an advertising agency for a third party. We are compensated when visitors take certain actions such as signing up for paid services.