Updated on May 31st, 2023 Author: Contributor: Sergei Lemberg

How Many Complaints Are There Against Midland Credit Management?

As of May 2023, there are currently 349 complaints posted in the last 3 years on MCM’s BBB page, 141 of which were posted in the last 12 months. The complaints largely allege that the collections company fraudulently charged them with debt they did not owe, and used unethical collections practice. There are 1,725 Google reviews regarding MCM’s collection practices, amounting to a 4.3 star review. Additionally there are currently 45, 1 star Yelp reviews and Justia lists at least 54 cases of civil litigation naming MCM as the defendant, with several more pages naming Encore Capital and its affiliates as defendants.

Can Midland Credit Management sue me or garnish my wages?

Midland Credit Management can sue you or garnish your wages, but only with legitimate reason to do so. If the collections company is making empty threats to sue or garnish your wages they are violating federal law. Though it is unlikely that a debt collection company will make these empty threats, debt collectors are still known to take advantage of alleged debtors, proceeding to summon them to court and garnish their wages, even if the threat is without merit. Given this risk, the wisest decision as a consumer or alleged debtor would be to acquire legal help to assist with resolving your case.

Can I sue Midland Credit Management for harassment?

You can sue Midland Credit Management for harassment. You should if you wish to enforce your rights and recover money for MCM’s violation. In fact, the Fair Debt Collections Practices Act (FDCPA) protects consumers like you, awarding damages of up to $1,000, plus attorney fees and court costs to victims of wrongful collections practices. Take advantage of the federal laws that are meant to protect consumers like you, and contact an attorney if you are at risk.

How often can Midland Credit Management call?

There are laws which protect consumers from repetitive phone calls from debt collectors. In November 2021, the CFPB’s Debt Collection Rule clarified that a debt collector is presumed to have violated the law if they place a telephone call to you about a particular debt

• More than seven times within a seven-day period, or
• Within seven days after engaging in a telephone conversation with you about the particular debt  

Additionally, a collector’s phone calls can be considered illegal when they are intended to harass, oppress, or abuse you.

How to stop Midland Credit Management calls?

You can stop MCM from making calls by filing a complaint, and obtaining assistance from an attorney. By utilizing the Fair Debt Collections Practices Act (FDCPA), consumers can protect themselves from improper collections practices by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. Consumers also receive additional protection under the FCRA, the Telephone Consumer Protection Act (TCPA), and the Consumer Financial Protection Act (CFPA). You may have a case if…

• You are receiving multiple calls per week from third party collection agencies
• You are receiving early morning or late night calls from debt collectors
• You are receiving calls at work from a debt collection agency
• Debt collectors are calling your family, friends, neighbors, or coworkers
• Collectors are threatening you with violence, lawsuit, or arrest
• A debt collector attempts to collect more than you owe
• You are being threatened with negative credit reporting
• A debt collector attempts to intimidate you
• Criminal accusations are being made towards you
• Use of obscene language during an attempt to collect
• Automated robocalls are being made to your phone in an attempt to collect 
  

About the author:

Contributor: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

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