Midland Credit Management, an Encore Capital Group Company Email Format

Financial ServicesCalifornia, United States1001-5000 Employees

Midland Credit Management, Inc. (MCM) operates as a specialty finance firm focused on debt recovery, acquiring portfolios of defaulted consumer receivables and overseeing their collection by engaging with borrowers to support repayment and financial recovery. As a wholly owned subsidiary of Encore Capital Group, MCM positions itself as a major participant in portfolio purchasing and recovery within the United States, emphasizing consumer-centered practices. In 2011 the company introduced a Consumer Bill of Rights to formalize its approach of mutual engagement, understanding, collaboration, and respect in dealings with customers.

Headquartered in San Diego, California, MCM operates in the United States with international activities in Costa Rica and India, reflecting a global footprint. Its mission is to create pathways to economic freedom, and its vision centers on making credit accessible by helping consumers restore their financial health. The firm serves consumers across a broad range of assets who are working toward debt repayment, aiming to support financial recovery and, ultimately, economic empowerment.

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