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.

Founded in

United States