Company directory

Midland Credit Management

Also appears on letters, statements, and credit reports as: Midland Funding LLC, Encore Capital Group.

Debt Digest is not affiliated with Midland Credit Management and does not speak for them.

How to reach them

How to reach Midland Credit Management.

  • Website https://www.midlandcredit.com/ Last checked Sep 24, 2026. Source
  • Mailing address P.O. Box 939069, San Diego, CA 92193 Last checked Sep 24, 2026. Source
  • Mailing address (disputes) Midland Credit Management, Inc., Attention: Chief Compliance Officer, P.O. Box 939069, San Diego, CA 92193 Last checked Sep 24, 2026. Source
  • Phone (800) 296-2657 Last checked Sep 24, 2026. Source
What to ask for in writing

Four things you can ask for in writing.

This is what to ask for. Debt Digest does not tell you whether to pay, how much, or what to say beyond this.

  • Validation information: the current amount, who it is owed to, and how it changed since the itemization date.
  • Who owns the debt right now, by legal name, and who is allowed to collect on it.
  • An itemized balance: principal, interest, and fees broken out separately.
  • A written agreement before you pay anything, describing exactly what the payment settles.
Keep track of this

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