FDCPA Cease & Desist
How to Stop Midland Credit Management Collection Calls
If Midland Credit Management keeps calling you, federal law gives you a way to end it. Under the Fair Debt Collection Practices Act you can demand in writing that a debt collector stop contacting you. Once your letter arrives, the calls have to stop. Here is who Midland Credit Management is, why they have your number, and exactly how to shut the calls down.
Because Midland bought your debt secondhand, their records are sometimes incomplete. Always request debt validation before paying anything.
Who is Midland Credit Management?
Midland Credit Management is one of the largest debt buyers in the United States and part of Encore Capital Group. It buys charged off credit card and loan accounts from banks for pennies on the dollar, then collects the full balance for itself. If MCM is calling, your original creditor has already written the account off. You may also see them listed as MCM or Midland Funding on your credit report or caller ID.
Company type
debt buyer
Commonly collects
credit cards · personal loans
You can check any collector's complaint history in the CFPB's public complaint database at consumerfinance.gov before you engage with them.
Your rights when Midland Credit Management calls
Two federal rules control how Midland Credit Management may contact you. The FDCPA (15 U.S.C. § 1692c) gives you the right to cut off contact entirely with a written request. Regulation F, in force since 2021, adds hard limits on call frequency: a collector may not call you more than 7 times within 7 days about a single debt, and after speaking with you they must wait 7 days before calling about that debt again.
- Validate first. Within 30 days of first contact you can demand proof of the debt. Collection must pause until they provide it.
- Then send a written cease and desist. Cite 15 U.S.C. § 1692c(c) and send it by USPS Certified Mail with return receipt. Phone requests do not trigger the law. It has to be in writing.
- Keep everything. Save the receipt, the green card, and a log of any call after delivery. Each violation is worth up to $1,000 in statutory damages plus attorney fees, and consumer attorneys take these cases on contingency.
Start Your Cease & Desist Letter for Midland Credit Management
Cites 15 U.S.C. § 1692c(c) and your state's debt collection law. Formatted for USPS Certified Mail. Instant PDF download.
Start My LetterInstant PDF download
Midland Credit Management FAQs
Is Midland Credit Management a legitimate company or a scam?
Midland Credit Management is a real debt buyer based in San Diego, California, not a scam operation. But legitimate company does not mean accurate debt. Collectors regularly pursue balances that are wrong, already paid, past the statute of limitations, or belong to someone else. Ask for written validation of the debt before you pay or even acknowledge it.
Why is Midland Credit Management calling me?
Midland Credit Management typically collects credit cards, personal loans. As a debt buyer, they purchased your account from the original creditor and now collect for themselves. If you do not recognize the debt, request validation in writing within 30 days of their first contact.
How do I make Midland Credit Management stop calling?
Send a written cease and desist letter citing 15 U.S.C. § 1692c(c), the FDCPA cease communication provision. Send it by certified mail with return receipt so you have proof of delivery. Once Midland Credit Management receives it, they may only contact you to confirm they are stopping or to notify you of a specific legal action. Any other contact is a violation worth up to $1,000 in statutory damages plus attorney fees.
Can Midland Credit Management still sue me after I send a cease and desist?
Yes, a cease and desist stops contact, it does not erase the debt. If the debt is valid and within the statute of limitations, Midland Credit Management could still file suit. In practice, most accounts are never litigated. If you are served with court papers, respond by the deadline, because ignoring a lawsuit leads to a default judgment.
Dealing with a different collector?
Want the full legal background? Read our guide on how to stop debt collector calls under the FDCPA or check your state's cease and desist rules.
Company details are provided for general information and may change. This page is not legal advice and kweldoc is not affiliated with Midland Credit Management. kweldoc is a document drafting tool, not a law firm.