Midland Credit Management (MCM) is the market leader in portfolio purchasing and recovery in the United States. Established in 1953, MCM operates as a wholly-owned subsidiary of Encore Capital Group, providing debt recovery solutions across a broad range of assets. The company purchases portfolios of defaulted consumer receivables and manages them through consumer-centric practices that drive results. MCM partners with consumers as they repay their obligations and work toward financial recovery, having helped over 7 million people regain their financial independence.
With over 4,000 employees worldwide and operations spanning the United States, Costa Rica, and India, MCM is headquartered in San Diego, California. In 2011, the company introduced the industry's first Consumer Bill of Rights, codifying its commitment to working with consumers through mutual engagement, understanding, collaboration, and respect. MCM helps consumers take control of their financial future by empowering them through flexible repayment options that fit their needs, ensuring every interaction is characterized by fairness and respect.