Midland Funding LLC is a purchaser of unpaid debt, including credit cards, personal loans, and other debts. Midland Funding buys accounts when a company decides to sell the unpaid account rather than continue collection efforts. Midland Funding LLC purchases accounts with an unpaid balance when:

• An account has gone at least 180 days without making a payment, or
• Someone paid less than the minimum monthly payment for at least 180 days, and
• The original creditor wishes to sell the right to collect on the account balance.

Midland Funding shares the same Consumer Bill of Rights as our sister company, MCM, who services accounts on our behalf. According to our Consumer Bill of Rights, accounts are never resold, but they may be transferred back to the original creditor in certain circumstances.

Midland Credit Management, Inc. (MCM) is a debt buyer and debt collector. MCM created the industry’s first and only Consumer Bill of Rights. MCM believes in:

• Collecting debt ethically
• Offering a variety of tools to help consumers
• Providing access to education and outside resources
• Giving consumers flexible options to repay, including payment plans with a discount.

Midland Funding LLC, buys past-due debt, but does not service the accounts it purchases. Midland Credit Management, Inc. (MCM) also buys past-due debt, but unlike Midland Funding, MCM is a debt collector that services accounts as well. MCM services accounts on behalf of Midland Funding LLC and other affiliate companies. MCM believes in helping consumers find their way back to financial stability. Midland Credit Management understands unpaid debt can cause stress, and MCM can help.

No, you cannot continue to work with the original company. Your account is no longer owned or serviced by the original creditor. All payments and questions need to go through Midland Credit Management, Inc. (MCM). MCM has helped over 7 million consumers gain control of their financial obligations.

Midland Funding LLC does not service accounts. Midland Credit Management, Inc. (MCM), a debt collection company, services accounts on behalf of Midland Funding LLC. MCM is dedicated to helping consumers find their way back to financial stability. Financial stability helps relieve the stress that can come with unpaid debt.