top of page

ARE YOU BEING HARRASSED BY

MIDLAND CREDIT MANAGMENT?

We Can Help You Fight Back!

Midland Funding is one of the largest debt buyers in the country. Don’t let them take advantage of you. Our expert advocates will help you protect your rights.

Midland Credit Management lawsuit, Midland Credit Management collection, debt collector, Stop Midland Credit Management

YOU MAY BE OWED MONEY

Your Rights Under the FDCPA

  • Attempting to Collect a Debt You Do Not Owe.

  • Calling you repeatedly or at odd hours.

  • Threatening legal action they cannot take.

  • Misrepresenting the amount or status of your debt.

  • Contacting you after you’ve requested they stop.

Learn more about your consumer protections under the FDCPA, check out our blog article here.

Request your FREE case review today

State

Just because you may owe a debt, doesn't mean you owe it to Midland Credit Management

Let Us Help You Fight Back and Win!

Get Your Free Case Evaluation Today!

How Boe & Associates Can Help You

At Boe & Associates, we specialize in assisting consumers protect themselves from predatory debt collection practices. Here’s how we can assist you:

  • Stop Harassment: We’ll help you to take immediate action to stop Midland Credit management calls and letters.

  • Dispute Invalid Debts: We’ll ensure MCM provides proper documentation proving that the debt is valid and legally enforceable.

  • Defend Against Unfair Practices: If MCM has taken action against you, we can help you fight back to protect your rights and finances.

  • Seek Compensation: If MCM has violated your rights under the FDCPA, we will help you fight to get you monetary damages for their misconduct.

Our team has helped countless clients resolve collection issues and beat Midland Credit Management lawsuits — and we’re ready to help you too.

Frequently Asked Questions About Midland Credit Management

Q: Can Midland Credit Management garnish my wages?

A: Only if they’ve obtained a court judgment against you. Contact us immediately if they’ve threatened wage garnishment without a judgment—it may be illegal.

Q: What happens if I ignore Midland Credit Management?

A: Ignoring MCM could lead to more aggressive collection efforts or even a lawsuit. It’s better to address the situation with professional guidance.

Q: Can I stop Midland Credit Management from contacting me?

A: Yes! You can send them a written request to cease communication under the FDCPA. We can help draft this letter and ensure it’s handled correctly.

Learn more about protecting yourself from abusive debt collectors, visit out our blog page here.

FAQ
Encore Capital Building.jpg

Who is Midland Credit Management?

Midland Credit Management is one of the largest debt collection agencies in the United States and is part of Encore Capital Group, a major debt buyer. They purchase delinquent debts—often for pennies on the dollar—and aggressively pursue consumers to collect on these accounts.
Common complaints against MCM include:

  • Repeated phone calls at all hours intended to harass or annoy a consumer.

  • Attempting to collect debts which are not owed by the consumer.

  • Suing consumers for debts they do not owe.

  • Attempting to collect on time-barred debts (debts past the statute of limitations).

  • Misrepresenting the amount owed.

  • Incorrect or inaccurate information reported on credit reports.

  • Threatening to take legal action that is not intended or allowed.

  • Making false or misleading statements about a debt.

If any of these sound familiar, it’s time to take action. Contact Boe & Associates today!

What To Do if Midland Credit Management Contacts You

     1.  Request a Debt Validation Letter:​​​

  • Under the FDCPA, you have the right to request proof that the debt is valid. If MCM cannot provide this documentation, they may not be able to pursue collection.

     2.  Do Not Ignore A Lawsuit​:

  • If Midland Credit Management has filed a lawsuit against you, ignoring it can result in a default judgment. Contact us immediately so we can help you respond and build a strong defense.

     3.  Know Your Statute of Limitations:

  • Many debts are time-barred (passed the statute of limitations), meaning MCM cannot legally sue you for them. We can help determine if your debt falls into this category.

     4.  Contact Boe & Associates:

  • Our experienced team will evaluate your case for free and help you understand your options for stopping harassment or disputing unfair claims.

Debt Collector1_edited_edited.jpg

Get the Facts About Your Case

Schedule a Free Consultation Today!

Legal Actions Against
Credit Management

The Consumer Financial Protection Bureau (CFPB) and various state governments have pursued multiple lawsuits and settlements against Encore Capital Group, Midland Funding, and Midland Credit Management for their debt collection practices.

CFPB Lawsuits and Settlements:

2015 CFPB Consent Order: Encore Capital and its subsidiaries were subject to a 2015 CFPB consent order for violations of the Consumer Financial Protection Act (CFPA) and Fair Debt Collection Practices Act (FDCPA). The CFPB found that they were collecting debts without proper documentation, failing to provide necessary disclosures to consumers, and filing lawsuits on time-barred debts.

2020 CFPB Settlement: The CFPB again sued Encore Capital and its subsidiaries in 2020 for violating the terms of the 2015 consent order. They were accused of continuing to file lawsuits against consumers without sufficient documentation, collecting on time-barred debts, and not providing required information to consumers. The settlement required the companies to pay over $79,000 in consumer redress and a $15 million civil penalty. Additionally, they had to make clearer disclosures to consumers and comply with certain conduct provisions for five more years​

State Government Settlements:

2019 Multi-State Settlement: A coalition of 42 state attorneys general reached a $6 million settlement with Midland and Encore. The settlement focused on the companies' practice of "robo-signing" affidavits—submitting unverified documents in court to support debt collection lawsuits. The settlement required changes to their litigation practices, including stricter verification of debt information before filing lawsuits. It also mandated consumer protections like providing original account documents upon request and barred the resale of debts for two years.

Call us today at (651) 571-0440

or fill out our contact form for a free case evaluation!

Success Stories: How We've Helped Clients Like You

“I was terrified when I received a lawsuit from a debt collector, but after working with Boe & Associates, the debt collector dropped the case! They couldn’t provide the proper documentation, and I no longer had to worry about wage garnishment. It was such a relief."

Sarah B., MN

Cross

God wants all of us to be winners in every area of life.

©2025 Boe & Associates. All Rights Reserved

SPECIAL NOTE: Although Boe & Associates is a professional consumer advocacy firm, all content and information published on this website, our blog, our downloadable materials, or any other resources contained herein is for informational and educational purposes only; it is not, nor is it intended to be legal, financial, tax, or credit advice. Use of, and access to the contents, links, and other resources contained within this website does not create any kind of formal relationship between you and Boe & Associates, its contributors, or agents. Always consult a professional prior to making any legal, financial, tax, or credit-related decisions.

bottom of page