Contacted by Midland Credit Management (MCM)?
Is Midland Credit Management attempting to collect a debt from you? Federal and state law protect consumers from debt collection harassment. No one should be calling you excessively or using abusive, profane, or threatening language to collect a debt from you. No one should be telling your friends, neighbors, or employer that you owe a debt in an attempt to embarrass you and force you to pay. No one should be threatening to take legal action that they cannot or have no intention of taking. You have rights to stop debt collection harassment. If a collector violates federal or state debt collection laws, you may be entitled to receive up to $1,000 in statutory damages, plus your attorneys’ fees and costs.
What is Midland Credit Management? Is it a scam?
According to the Better Business Bureau website, Midland Credit Management, a subsidiary of Encore Capital Group, has been in business since 1953. It is located at 350 Camino de la Reina Ste 100, San Diego, CA 92108-3007. Midland Credit Management may also go by the following names: MCM and Midland Credit. Midland Credit Management is a wholly-owned subsidiary of Encore Capital Group, Inc.
Midland Credit Management and Encore Capital Group. cannot engage in the following debt collection conduct:
- Calling you before 8 a.m. and after 9 p.m. or when they know it’s inconvenient for you;
- Calling you at work if they know or should know your boss prohibits personal calls;
- Communicating with third parties about your debt without your prior consent or permission from a court;
- Lying, deceiving, or misleading you into paying a debt;
- Misleading you about the character, amount, or legal status of any debt;
- Attempting to collect a debt that is not owed;
- Threatening to take action that cannot legally be taken or that is not intended to be taken.
Midland Credit Management Phone Numbers
The following phone numbers have been reported as Midland Credit Management phone numbers: 913-312-3223, 877-475-3483, 614-729-6090, 303-255-5352, 303-255-5349, 614-729-5609, 614-729-6087, 614-212-5287, 614-212-5288, 614-212-7500, 844-271-2816, 720-728-3217, 913-577-5000, 720-456-3686, 614-534-2515, 303-255-5354, 614-534-2519, 614-212-5293, 614-729-6091, 614-754-4060, 913-563-5511, 720-456-3687, 913-563-5510, 614-729-6087, 801-438-8376, 913-312-3223, 614-754-4132, 614 754-4136, 208-719-3271, 614-534-2525, 303-255-5054, 614-729-7086, 614-754-4137, and 614-534-2547, however, we are unable to verify this information. Midland Credit Management may also be using other phone numbers. If you have been receiving calls from these phone numbers or have received calls or correspondence from Midland Credit Management, contact Manta Law to determine whether your rights have been violated. We can stop the calls and may be able to recover just compensation for your harm.
Is Midland Credit Management allowed to call me about my debt?: A creditor or debt collector may generally call you in an attempt to collect a consumer debt from you unless you have told them to stop calling.
What can I do to stop Midland Credit Management from calling me?: You can tell them in a phone call or a letter to cease all communications with you, or you can retain an experienced attorney.
Can Midland Credit Management file suit against me on my debt?: If you are past due on a debt and the statute of limitations has not passed, the owner of the debt may be able to file suit against you. However, you may be entitled to certain defenses.
Can Midland Credit Management garnish my bank account or wages?: If a judgment has been entered against you, a judgment creditor may execute on the judgment through garnishment of your bank account or wages. However, you may be entitled to claim an exemption to the garnishment or otherwise defend against it.
What if I’m on the Do Not Call Registry?: In order to call a consumer on the Do Not Call Registry, the telemarketer must have either (a) prior express written consent from the consumer or (b) an established business relationship with the consumer. If your personal phone number is listed on the Do Not Call Registry and you have been called anyway in violation of law, you may be entitled to $500 in damages per call after the first call.
Manta Law, Lawyers who Stop Debt Collection Harassment
Manta Law is a Tampa, Florida law firm representing individuals who have been harassed by creditors and debt collectors attempting to collect consumer debts by phone, mail, text message, and email. Our founder, Janelle A. Weber, has been a member of the Florida Bar since 2005 and New York Bar since 2008. If you would like to learn more about our firm and practice areas, visit our website, www.mantalaw.com, or call us at 813-982-3663 to set up a free consultation.