Midland Credit Management, an Encore Capital Group Company

Midland Credit Management (MCM) is a subsidiary of Encore Capital Group, a global specialty finance company. MCM's primary business is purchasing portfolios of defaulted consumer receivables at a discount from credit originators like banks, credit card companies, and other consumer lenders. After acquiring the debt, MCM works with consumers to recover the outstanding balances through a variety of collection activities, including direct communication and legal action. The company states its mission is to help consumers resolve their financial obligations and create pathways to economic freedom.