Contact MCM Toll Free: (877) 653-4161


Answers to Your Frequently
Asked Questions

Midland Funding has partnered with MCM to service your account. If you’ve seen Midland Funding on your credit report or received a letter or phone call, MCM can help.

Payment Questions

How do I make a payment to Midland Funding?

Midland Credit Management, Inc. services accounts for Midland Funding, LLC and offers a variety of different payment options.

Can I talk to someone before I make a payment?

Absolutely. Midland Credit Management, Inc. has representatives available Monday through Friday, 8am – Midnight ET, and Saturday & Sunday 8am – 7:30pm ET. Call MCM at (877) 653-4161 and we will answer all of your questions and discuss payment options.

Assistance & Validation Questions

I’m not sure this debt belongs to me. What should I do?

Follow the instructions on the reverse of your validation notice. You may also call Midland Credit Management at (877) 653-4161  if you have questions. If you have received a letter from Midland Credit Management that you believe is in error, please call MCM.

Can I get more information about this debt online?

You can log in to your account online  to view your current balance and review payment options. Please call MCM at (877) 653-4161 with any other questions.

My credit report says my account was “Charged-Off”. Do I still need to pay the debt?

Yes, a “charged-off” account is an accounting designation from the original creditor. You are still responsible for the account balance.

Is Midland Funding on your Credit Report?

Midland Credit Management is servicing your account.
Log into the MCM website to get your account history and details, plus flexible payment options – no account number needed


MCM works with trusted partners to ensure the highest standards of quality and service.

RMAI Certified