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Company Overview

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, and 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.
employess around
​​​​​​​the world
9 million+
of our consumers are on their way to
​​​​​​​a healthier financial future worldwide
charities supported by donations

How We Make a Difference

Want to understand how a global business can make a real difference to an individual and to the world around us? Watch our graphic animation to see how it all fits together.

Global Footprint

Business growth and caring about the world around us are not mutually exclusive. We believe that, as our
​​​​​​​business grows around the world, we enjoy even more opportunities to make an impact and make a difference.

Empowering You to Empower Others

MCM is powered by a shared belief that exceptional people achieve more together. We are natural, instinctive and inclusive innovators. We achieve the best outcomes through a diversity of ideas, a collaborative spirit and a passion for attaining breakthrough results. Every moment is an opportunity to make a difference: to a consumer, to a colleague, to the wider company. We think 'what's in it for all?', never 'what's in it for me?'. We aim for the exceptional and aspire to achieve more in every moment. We know that by creating great moments for others, we provide better career opportunities and better lives for ourselves.

Our Expectations
Actionable Insight - we seek to understand
Persistent Innovation - We believe in excellence
Moments Matter - we invest in every moment
Better Life - we support your success
The science of consumer behavior can help push our business and our sector forward. At the same time, it also helps us to understand each individual consumer more clearly and empathize with them more effectively.
The Consumer Bill of Rights ensures that all of our consumer interactions are conducted in the right way. Here are some of the main points:
We monitor and support our employees to ensure compliance
We engage in dialog that is respectful, honorable and constructive
We have clear guidelines on when collection activities should be suspended
We devote time, attention and effort to resolving mistakes
We respect privacy and confidentiality

You can read the full document here.