Stop Midland Credit Management Debt Harassment

Debt collectors like Midland Credit Management, Inc., cannot harass you over a debt.  You have rights under the law.  We will stop the harassment once and for all.


If Midland Credit Management, Inc. violated the law, you will get money damages and Midland Credit Management, Inc. will pay our fees and costs.  You will not pay us a penny for our time.  Plus, some of our clients also receive debt relief and cleaned up credit reports.  You have nothing to lose!

Who is Midland Credit Management, Inc.?

Midland Credit Management, Inc. is a third-party collection agency, headquartered in San Diego, CA, and started its business in 1953. According to the Better Business Bureau (“BBB”), MCM is categorized as a corporation and a collection agency.  According to Midland’s website, MCM is a company that helps consumers resolve past-due financial obligations.It appears that Midland Credit Management, Inc. collects on debts owed to third parties and collects on debts that it purchases.  Therefore, in some situations, MCM may be a junk-debt buyer.  For example, some collection agencies buy debt for pennies on the dollar, and then collect on it.  MCM collects on various debts.  We’ve helped a lot of consumers deal with MCM when MCM is collecting on debt owed to major financial institutions, such as credit cards, installment loans, auto loans; retail store credit cards; student loans; insurance claims; and healthcare debt.

Midland Credit Management, Inc., Address, Phone Number, and Contact Information

Midland Credit Management is located at 2365 Northside Dr #300, San Diego, CA 92108.  The main telephone numbers for MCM are 800-825-8131 and 800-296-2657.  These are just two of many MCM contact numbers.Midland Credit Management’s website is www.midlandcreditonline.comPhone Numbers Used By Midland Credit Management, Inc.,MCM likely has dozens, if not over 100, phone numbers it calls from.  Here are a few phone numbers MCM may be calling you from:

Midland Credit Management, Inc. Lawsuits

If you want to know just how unhappy consumers are with MCM, take a look at the number of lawsuits filed against Midland Credit Management’s on the Public Access to Court Electronic Records (“PACER”).  PACER is the federal docket throughout the country that lists federal complaints filed against MCM.  When you do a search for Midland Credit Management, there are over 3000 lawsuits filed against MCM.  Most of these lawsuits involve consumer rights’ violations.

Midland Credit Management Harassment

The Fair Debt Collection Practices Act (“FDCPA”) is a federal law that applies to everyone in the United States.  In other words, everyone is protected under the FDCPA.  The FDCPA is a laundry list of what MCM can and cannot do while collecting a debt, as well as things debt collectors must do while collecting a debt.  If MCM is harassing you over a debt, you have rights under the Fair Debt Collection Practices Act.

The Electronic Fund Transfer Act (“EFTA”) protects electronic payments that are deducted from bank accounts.  If Midland Credit Management took unauthorized deductions from your bank account, you may have an EFTA claim.  MCM, like most collection agencies, wants to set up reoccurring payments from consumers.  Imagine how much money MCM gets if hundreds, if not thousands, of consumers electronically pay them $50-$100, or more, per month.  If you agreed to this type of reoccurring payment, MCM must follow certain steps to comply with the EFTA.  Did MCM continue to take electronic payments after you said stop?  Did MCM take more money from your checking account than you agreed to?  If so, let’s talk about your rights under the EFTA.

The Fair Credit Reporting Act (“FCRA”) works to ensure that no information reported to your credit report is false.  In essence, it gives you the right to dispute those inaccuracies that you find on your credit report.  We handled a lot of cases recently where Midland Credit Management reported debt on a consumer’s credit report.  MCM likely reports on credit reports to obtain greater leverage over the consumer.  If MCM is on your credit report, they may tell you if you pay the debt, they’ll remove it from your credit report.  This is commonly known as pay for delete.  You pay MCM, and they delete the debt from your credit report.  Even if MCM is not on your credit report, maybe the original creditor is.  If you pay off the debt to MCM, then the original creditor, and MCM, should accurately report this on your credit report.

Several states also have laws that provide its citizens an additional layer of protection.  For example, if you live in California, Texas, Florida, North Carolina, Wisconsin, Michigan, Montana, or Pennsylvania you may be able to tack on a state-law claim with your federal law claim above.  North Carolina, for example, has one of the most consumer-friendly statutes in the country.  If you live in NC, and you’re harassed over a debt, you may get $500.00 - $4,000.00 in damages per violation.  We work with a local counsel in NC.  Our NC clients have received some great results in debt collection harassment cases.  If you live in NC, and Midland Credit Management is harassing you, you have tons of leverage to get a great settlement.


We will use state and federal laws to immediately stop Midland Credit Management debt collection.  We will send a cease and desist letter to get the harassment to stop the same day.  If MCM violates the FDCPA, EFTA, FCRA, or any state laws, you may be entitled to money damages.  For example, under the FDCPA, you can get up $1,000.00 in damages plus actual damages.  The FDCPA has a fee-shift provision.  This means, MCM pays our attorney’s fees and costs.  If you have a TCPA case against Midland Credit Management, we will handle it based on a contingency fee.


We have helped hundreds of consumers stop phone calls from MCM.  We know how to stop the harassment and get you money damages.  ONCE AGAIN, you will not pay us a penny for our time.  We will help you based on a fee-shift provision and/or based on a contingency fee. That means, MCM pays our attorney’s fees and costs.

What If Midland Credit Management Is On My Credit Report?

Based on our experience, MCM does credit report.  That means, MCM will mark your credit report with the debt they are trying to collect on.  In addition to Midland Credit Management, the original creditor may be on your credit report.  For example, if you owe Credit One Bank on a credit card, and MCM is collecting on it, both Credit One Bank and MCM may have separate entries on your credit report.  This is important because you will want both parties to update your credit report if you pay off the debt.


If MCM is on your credit report, we can help you dispute it.  Mistakes on your credit report can be very costly.  Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes.  Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute them.  My office will help you pull your credit report and dispute any inaccurate information.


If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error.  The FCRA also has a fee-shift provision.  This means, the credit reporting agency pays your attorney’s fees and costs.  Therefore, you will not pay me a penny for my time.  We have helped dozens of consumers fix inaccurate information on their credit reports.

Complaints against Midland Credit Management

If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by Midland Credit Management.  The complaints on the Better Business Bureau (“BBB”), various consumer websites, including on Pissed Consumer, and even the complaints on this page (below) are endless.  MCM is accredited by the BBB.  The BBB gives NCB an “A” rating.  Despite its “A” rating, here are nearly 80 customer complaints on the BBB.Here are some of the many BBB complaints regarding Midland Credit Management:

  1. “They are calling me for another person that I have no idea about. They do NOT have accurate information...”
  2. “These sharks sent me several collection letters or notices back Sept-Nov 2016, about an age-old Chase account that was long expired (and paid in full).”
  3. “This place called my place of business to collect my debt WHILE clocked in on the job, ON MY WORK PHONE NUMBER. VERY UNPROFESSIONAL!”

Reviews and complaints on Pissed Consumer do not get any better for Midland Credit Management.  MCM has an average of 1.0 stars on Pissed Consumer.  Here’s what people on Pissed Consumer have to say about MCM:

  1. “They contacted me several years back about a debt that was 12 years old at that time, what lenders call zombie debt. What they tried to do was add interest onto the 12 year old debt. The original debt was settled”
  2. “This company called 2-5 times a day, my place of employment and my cell phone. I have the call recorded where she is telling one of my employees about my debt and never once confirmed she was a debt collector with this company.”
  3. “This company will go to all lengths to not help a client who has a serious debt situation. They will put you on hold for unreasonable lengths of time. Not to mention once you talk to someone, that person either switches you to several other departments or pretends that they can help you. Midland credits intentions are only to get whatever information they need from you.”

Reviews and complaints on Rip-off Report are just as bad. Here’s a snippet of the reviews on Rip-off Report:

  1. “There are statute of limitations for collecting debts. These companies are trying to trick people into paying debts no longer legal owed and in some cases never owed. We don't have debtor prisons if companies want their money they must sue within the statutory time limit.”
  2. “Be aware of these folks! Don't pay the bill without researching and questioning it first.”

Cases We Have Handled against Midland Credit Management


Threats and harassment by collection agencies can be pretty intimidating.  Well, it turns out we can stop the harassment, attempt to get you money damages under the law, and the collection agency will have to pay us our fees and costs.  Here are some of the cases we’ve handled against MCM:

  1. David v. Midland Credit Management. Our client, David W. lives in New York.  In this case, Midland Credit Management called our client on his cell phone.  Midland Credit Management called from 800-265-8825, which is one of Midland Credit Management’s phone numbers.  In or around January 2016, Midland began placing collection calls to our client’s cell phone number. On or around January 28, 2016 our client requested that Midland stop calling him on his cell phone. Despite this request, Midland continued to place calls to our client’s cell phone. On one occasion, Midland’s collector mentioned that they would take legal action against David W. if he did not make a payment on this account. David’s debt was incurred in the year 2006. The statute of limitations on a consumer debt in New York is only 6 years. Midland was attempting to collect on a debt for which the statute has expired. Midland never told David that the debt was past the statute of limitations. MCM also threatened David about a debt for which was barred by the statute of limitations. In this case, we alleged Midland Credit Management violated the Fair Debt Collection Practices Act by continuing to place calls to our client after being asked to stop, and threatening our client over a debt that was past the statute of limitations.
  2. Tommy v. Midland Credit Management.  Tommy lives in Texas, and MCM was attempting to collect a Fia Card Services account.  MCM called our client on his cell phone.  NCB Management called from 866-580-4780, which is one of MCM’s phone numbers.  Our client told MCM to stop calling him and the calls continued. Even after our office sent a cease and desist letter to MCM, the calls continued.  Despite Plaintiff’s request that the calls stop, Midland Credit Management continued to call our client. In fact, our client alleged MCM called her over 5 times on his cell phone despite Plaintiff’s multiple requests to stop calling.  We alleged that Midland Credit Management violated multiple sections of the Fair Debt Collection Practices Act and the Texas Debt Collection Act.
  3. Myra v. Midland Credit Management.  Our client lives in Missouri. Here, MCM reporting to Myra’s credit report. In this case on or around May 9, 2014 our client Myra sent a dispute letter to MCM. Our client sent her dispute letter to MCM certified read receipt mail so she could confirm that it was delivered. MCM continued to report to our client’s credit report and did not mark the trade line as being disputed by the consumer. Midland Credit Management violated the Fair Debt Collection Practices Act by failing to report our client’s alleged debt to the credit reporting bureaus as disputed.

Here’s What Our Clients Say About Us

Agruss Law Firm, LLC, has over 900 outstanding client reviews through Yotpo, an A+ BBB rating, and over 125 five-star reviews on Google. Here’s what some of our clients have to say about us.

“I have worked with the Agruss Law Firm for many years.  Mike and his team are the best firm I have ever worked with doing FDCPA and TCPA cases and I have worked with a number.  They do the great job for their clients and are a great legal team.  I highly recommend them.”

“A great experience with an even better outcome!  I went to Agruss Law Firm for help end the harassment from collectors. I didn't know my rights but they did.”

“Thank you so much Agruss Law Firm for the tremendous service you provided to me. I had no kind of money to pay any lawyers but Agruss had a policy that they only get paid if the case is successful. Because of the several good reviews I read about Agruss, I decided to give it a try.”

Midland Credit Management Services Settlement

If you want to settle a debt with Midland Credit Management, ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will MCM remove it from my credit report?
  5. If I pay this debt, will the original creditor remove it from my credit report?
  6. If I pay this debt, will I get something in writing from MCM confirming the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors.  We are here to help you answer the questions above, and much more.  Whether it’s harassment, settlement, pay for delete, or any other legal issue with Midland Credit Management, the folks at Agruss Law Firm are here to help you.

Share Your Complaints About Midland Credit Management Below

Post your complaints about Midland Credit Management.  Sharing your complaints about MCM will help other consumers know what to do when MCM starts calling. Sharing your experience may help someone else.


If you are being harassed by Midland Credit Management over a debt, you may be entitled to money damages. Get up to $1,000 for harassment. Under various state and federal laws, we will help you based on a fee-shift provision and/or based on a contingency fee.  That means, the collector pays your attorney’s fees and costs.  You won’t pay us a penny.  We have settled thousands of debt collection harassment cases.  Let us help you today.  Contact Agruss Law Firm at 888-572- 0176 to stop the harassment once and for all.

We are listening.

Submitted Comments

I am getting multiple calls attempts from Midland Credit Management via my home phone and cell phone. They bought a debt I had with Credit One. I did receive a letter from Credit One telling me the debt was purchased by MCM, but I have not received any correspondence from MCM. I review my credit report recently and noticed MCM has reported an incorrect address to the credit bureau. Not only that, but the address where they are sending information is my daughter's address! Not sure why they are sending information there. An to top it off, my daughter has found correspondence with name on it on her patio! I have not spoken to MCM, but I do need to address the incorrect information reported on my credit report. I am open to any advise you may have. Thank you!

Michael Agruss Headshot

Hi Timothy. I would be happy to review your information and determine what you can do to fix this situation. Please give me a call at 312-224-4695. Thanks, Mike.

Short story; I owed Fingerhut $250.00. I was trying to pay on it and they sent it to Midland. Then Midland kept calling me at work after I told them not to. They used various numbers. I tried to settle with them but they wanted $724.00! No way. Then they sold the account to Jefferson Capital which then sold it to TrakAmerica. Now they are sending me court papers. I’m scared here and I just want to settle this debt. They are on my credit. Equifax removed them but then 30 days later they are back on there. They told me I could settle for $300 but then sold the debt to TrakAmerica before I could even pay it a week later.

Michael Agruss Headshot

Hi Brian. I'm sorry to hear that you're having issues with Midland and other debt collection agencies. My office can help you get this debt settled, please reach out at 312-224-4695 at a time that works for you. Thanks, Mike.

I have gotten calls and other members of my family that if I don't' call they are going to make this public if they want to do business with me they need to send papers so I want to see what the bill is. I have been scam before not falling for this crap again Email me a response

Michael Agruss Headshot

Hi Jeannette. Debt collectors cannot threaten you under the FDCPA. I would be happy to review your case with you and help get this matter taken care of. I will reach out, in the meantime, feel free to call my office at your earliest convenience 312-224-4695. Thanks, Mike.

Midland Credit Management has been harrasing me daily for over 2 years. They are trying to collect a debt from a lady named Arlene Sanchez. I have told them repeatedly that i dont even know her and to please stop calling. They continue their harrassment daily. I have call logs of all this. I would really like to sue them. Can you help? Thanks in advance.

Michael Agruss Headshot

Hi Duane. I would love to discuss this further with you and determine if I can be of help. Unfortunately, debt collectors often continue to call even when it is a wrong number. Give me a call at 312-224-4695 and we can start working on getting the calls to stop. Also, feel free to send over the call logs of all the phone calls you have received at [email protected] Thanks, Mike.

Harassment phone calls and robocalls from Midland Credit Management. They have called my personal cell phone, work cell phone, and work office phone. the latter two should not be available. Not only is it annoying, it's embarrassing.

Michael Agruss Headshot

Hi Dillon. MCM may be violating the Fair Debt Collection Practices Act (FDCPA) in their communications with you. They should not be calling your work phone after you tell them to stop, and this can certainly get frustrating and stressful with time. Please give us a call and we can help you with this issue in short order. Thanks, Mike.

I’m receiving calls stating that documents are being filed against me by a process server and that I need to be available with my ID. They’ve also called my daughters and mothers numbers. I have nothing on my credit deposit for midland credit

Michael Agruss Headshot

Hi Markita. If MCM is harassing you over an alleged debt, they may be violating federal laws designed to protect the consumer from threatening collectors, such as the Fair Debt Collection Practices Act (FDCPA). We have resolved thousands upon thousands of FDCPA cases, with a portion of them being issues with MCM. We will help you resolve this issue and end their harassment, as it certainly sounds like they are violating the FDCPA. Please give us a call if you have any other questions. Thanks, Mike.

Someone claiming to be midland have been calling my phone since February 7, 2020. After they spoke to me and I told them I do not pay 3rd parties they contacted my daughter and told her, they are filing a suit against me for debt with a loan company. They call again they didn’t want to give me any licensing number nor address. They are still harassing for a payment, but I contacted the loan company and they gave me another collections agency that is not who are calling me. Phone number they call from are ‭(409) 877-7400‬; then tell me to call ‭(888) 836-5880‬. So I contacted I entered my info in midland lookup base and my name does not show up!

Michael Agruss Headshot

Hi Christina. MCM is not permitted to call third parties, per the Fair Debt Collection Practices Act (FDCPA). This would violate the FDCPA and you can be compensated for these violations. You are not the first person that they have done this to, and we can help you resolve this issue like we have for many others in the past. Please give us a call if you have any other questions. Thanks, Mike.

I’ve noticed getting my bills that every bill has different phone numbers to contact them and one bill says on top keep up the good work I’m starting to wonder if this is a scam but they send threw ups too

Michael Agruss Headshot

Hi Lisa. MCM is a legitimate company, but they do engage in some harassing collection practices with consumers. They do use several numbers. Are you receiving calls from them? Have you told them to stop calling? If not, please do so, and by law they must stop calling you. Please give us a call if you have any questions. Thanks, Mike.

MCM continues to call my direct phone number at my place of employment during work hours. I've yet to answer it in fear of talking to them and possibly making this drag out longer. The debt with MCM dates back to 2013 and it's for around $3800 that happened in a divorce. I also receive letters with payment plans every month but I disregard them. It still shows up on my credit even though I've struggled for the past 6 years to get my credit to a 650 and I'm working hard every day to try and rebuild it with on time payments. Please help if you can it would be greatly appreciated.

Michael Agruss Headshot

Hi Scott. The next time that they call you at work, you should tell them to stop calling you. It violates the Fair Debt Collection Practices Act (FDCPA) to continue calling your work after you have told them that you cannot answer such calls. If they call your personal number, also tell them to stop calling, and they must stop. If they violate the FDCPA, you can receive compensation for the damages that they have caused. Please give us a call so that we can help you and answer your questions. Thanks, Mike.

MCM has reported the same $772 debt 5X in 1 month on my Experian bureau. The reported in the 5th, 9th, 16th, 19th of January and today. Is this legal, can you sue them? If so, I'm in.

Michael Agruss Headshot

Hi Chris. If this is an incorrect or old (older than seven years) debt, then it should not be reported on your credit report, generally. Is MCM harassing you over this debt? Are they doing things such as calling family members or friends and disclosing the debt, or calling after you have told them to stop? They have violated federal laws protecting consumers in the past, and this may be another instance. But luckily, we can help you resolve this issue. Please give us a call if you have any questions that we can answer for you. Thanks, Mike.

Midland is making me pay back 34 thousand dollars and I never had any credit card that large!

Michael Agruss Headshot

Hi Ruther. Have they sent you any written notice of this payment? Are they calling you frequently regarding the $34,000? We can help you once we get more details of what exactly you are going through. Please give us a call so we can answer any questions. Thanks, Mike.


Michael Agruss Headshot

Hi Sydney. Debt collectors should not be calling third parties, such as your friends and family members, with any information regarding a debt of yours. That would violate the Fair Debt Collection Practices Act (FDCPA), and you can be compensated for such violations. Give us a call so we can better understand your situation and see how we can help. Thanks, Mike.

The only debt I have ever had was a dental service from Nilda Woolard, DDS. I paid it in 2014 to Credit Management Systems and had the collection removed. A few months later I get a call from another organization about the same debt, I cleared it with them. I keep getting calls from this organization and never any messages. I'm not sure I received any documents from them!

Michael Agruss Headshot

Hi Irving. Do they ever send you any letters about this debt in the mail? They may be violating parts of the Fair Debt Collection Practices Act (FDCPA) - if they are calling you at work, if they are calling any third parties regarding your debt, if they are threatening you in certain ways, and more. Give us a call so we can speak about the details of your experiences and we will help you. Thanks, Mike.

I'm just trying to find information about how to get Midland off my credit report. they bought a debt from credit one bank and they won't work with me to get it off of my report other than pay it. and have it forever updated as paid. which doesn't help anything. i need it gone. their letters are still addressed to my nc address!

Michael Agruss Headshot

Hi Ann. Midland should be cooperating and working with you, the debtor, to ensure that you can pay this off. If they are harassing you, we can help you to end it. Please give us a call if you have any questions. Thanks, Mike.

I am being sued by Midland Funding LLC for a charged off credit card. I appeared at court and disputed the claim. It's a typical complaint, with an affidavit attached. It's also not very high dollar. I don't believe that Midland believed that A: I would even show up and B: I would dispute the case. In a strange turn of events, the judge used what the Blitt & Gaines attorneys would have used to file for judgment against me to write down dates for motions etc. and he signed the bottom. I received a copy of this and as I read it over, I was amazed to see that it was already filled out for the judge to sign as a default and the judgment amount was now 6 times higher than the original amount. No explanation was given for this. I know I'm not a big fish in the pond, but I'm still worthy of protection. If you would please contact me by email first, I would appreciate it. Thank you.

Michael Agruss Headshot

Hi Teresa. You are definitely worthy of protection, and that is what the federal laws like the Fair Debt Collection Practices Act (FDCPA) aim to do for you. Midland has violated the FDCPA for clients that we have had in the past, and we have resolved those issues for them and compensated them accordingly. Please give us a call if you would like to know more about how we can help you. Thanks, Mike.