Established in 1953, Midland Credit Management, Inc. (MCM), a wholly-owned subsidiary of Encore Capital Group, Inc., is a specialty finance company providing debt recovery solutions for consumers across a broad range of assets. We purchase portfolios of defaulted consumer receivables and manage them by partnering with our consumers as they repay their obligations and work toward financial recovery.

MCM is the market leader in portfolio purchasing and recovery in the United States. We lead the industry with consumer-centric practices that drive results.

In 2011, we introduced the industry’s first Consumer Bill of Rights codifying our commitment to working with our consumers through mutual engagement, understanding, collaboration and respect. Ultimately, we help our consumers recover from financial difficulty and turn towards a path of economic empowerment.

With over 4,000 employees worldwide, MCM is headquartered in San Diego, California, and maintains domestic and international operations across the United States, Costa Rica, and India.

OUR MISSION -

Creating pathways to economic freedom

OUR VISION -

We help make credit accessible by partnering with consumers to restore their financial health 

OUR VALUES -

We care: We put people first and engage with honesty, empathy, and respect 

We find a better way: We deliver our best in everything we do, find ways to make a positive difference, and achieve impactful results

We are inclusive and collaborative: We embrace our differences and work together to ensure every individual can thrive