Midland Credit Management, An Encore Capital Group Company

Midland Credit Management (MCM), a subsidiary of Encore Capital Group, specializes in purchasing and managing consumer debt. They acquire delinquent accounts from major banks, credit unions, and utility providers at a discount, then work with consumers to create repayment plans. Founded in 1953, MCM has grown to become a leader in the debt recovery industry, leveraging data-driven strategies and consumer-centric approaches to maximize recovery rates while maintaining ethical standards. Their operations are supported by a global workforce and advanced analytics, ensuring efficient and compliant debt management.

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