Midland Credit Management Reviews
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About Midland Credit Management
Based in San Diego, Midland Credit Management has been helping consumers resolve overdue debts since 1953. It is available in all 50 states and has helped over 7 million consumers. It offers flexible online solutions without charging fees or interest. It specializes in servicing accounts that have fallen behind and been charged off by the lender - giving consumers a second chance at financial stability.
Pros & Cons
Pros
- Available in 50 states
- No interest or fees
Cons
- Debt collector
- Can sue for overdue balances
Bottom Line
Midland Credit Management is an online debt collection agency that tries to help consumers resolve their debt obligations.
What is Midland Credit Management?
Midland Credit Management is an online collection agency that helps consumers resolve debts. The company provides consumers with flexible options for paying off their debts and educational resources to help them create a financially stable future.
The company operates in 50 states and has helped over 7 million consumers get out of debt.
How does Midland Credit Management work?
Midland Credit Management may contact you if you have overdue debts or haven’t been meeting your minimum monthly payments. Accounts that are eligible for Midland Credit Management’s services include:
- Clients who haven’t made a payment on their debts in at least 180 days
- Clients who are paying less than the creditor requires
In either of these situations, your lender may put your account into collections or sell it to an agency like Midland Credit Management. Midland Credit Management then contacts you and attempts to find a realistic way to resolve your overdue debts.
Is Midland Credit Management legit?
While you can’t apply for Midland Credit Management’s services, its program is helpful if you’re unable to pay past debts or are struggling to meet minimum payment requirements. Visit its website or refer to the information the company sent you for more details.
Midland Credit Management Reviews
ConsumerAffairs has collected 271 reviews and 120 ratings.
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Reviewed Oct. 17, 2023
Was able to use the chat feature with *Rachel* to setup a payment plan that is adjustable further down the line. Obviously they are a debt collector but at least they are willing to work you and various Debt Consolidation Agencies that you have contact them on your behalf. Only reason it's not a 5 star review is the first letter I got from them was a pre-legal notice of possible lawsuit. If not for that this would be five stars.
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Reviewed Oct. 17, 2023
Rachel ** just helped me tonight. She answered all my questions and has me jumping for joy.. THIS COMPANY WAS FABULOUS. For future people who has to handle business Midland Credit Management is definitely the place to go.. Keep up the good work to help us people get our credit and life together. I’m back and better thanks to you all!!!!
Reviewed Sept. 29, 2023
I just want to say, Ellen ** with MCM Concierge/online chat was AMAZING! Paying off debt is humiliating, scary and hard to do but Ellen really made me feel comfortable with my options. She understood and listened to my struggles and made me an offer that I could actually afford. If I could give Ellen more starts than 5, I would! Customer service at its finest! Thank you!!!
Reviewed July 13, 2023
Benson ** was able to locate my account and found out that I mailed my payment to the wrong address. He provided a new one to me where I could mail my payments into. He also set my account up for a 6 month payment plan and changed the billing date that the payments are due. I'm thankful for this options and that the collection agency is willing to work with me in resolving my debt.
Reviewed Nov. 30, 2022
Peter ** from MCM did a great job on helping me set up a perfect payment plan to pay off my account. I lost my previous job I had back in March 2022, and I only just started at a new job. The job market in my area was awful and couldn't find anything that could support me financially. Finally found said job and they understood my situation and helped me out. I hope that after paying them off, I never have collections again. It is awful for your credit score.
Reviewed Oct. 30, 2023
Midland Credit Management filed a court order for garnishment in April of 2023. The money was transferred from my bank to the courts so they can then send the funds over to Midland. Either Midland or the attorney they hired never submitted a certificate of service or an application for disbursement and they ended up garnishing my account again for the amount. The funds they garnished this time was from my mortgage account, which means my mortgage will now be late because of an error they made by not submitting the forms. When I spoke to the account manager they said it's been escalated to a manager but could not tell me how long it would take to issue my funds back. In the meantime, I now have a late fee because my mortgage is late. This has been a enormous inconvenience and incredibly frustrating.
Reviewed Sept. 26, 2023
I was sent in to collections on an account that was taken off my records due to fraud and covid 19. I disputed this and was still harassed by them. I also have been negatively affected by this and held back from credit.
Reviewed Sept. 22, 2023
I have had to rearrange due dates, and whenever I have called them to do so, I have never had an issue. At MCM, they have made it easy and convenient to get debt paid off without breaking the bank. Thank you MCM for making this process painless.
Reviewed Aug. 10, 2023
Ms. ** was very professional, courteous, and concise. She helped me make payment arrangements on my account in a very efficient manner. This is remarkable for helping a customer via a chat. Ms. ** rocks!
Reviewed June 12, 2023
I was short for my auto pay and I needed to move the date temporarily, so I used the chat and talked with David ** who was quick and extremely helpful with specifics. I was able to confirm the one time change in a matter of minutes.
Midland Credit Management Company Information
- Company Name:
- Midland Credit Management
- Website:
- www.midlandcreditonline.com