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FAQs
Answers to Your Frequently Asked Questions
Visit MidlandCredit.com

Midland Funding has partnered with MCM to service your account. If you've received a letter or phone call regarding your Midland Funding account, MCM can help.

Payment Questions

How do I make a payment to Midland Funding?arrow

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

Make a Payment to MCM
Can I talk to someone before I make a payment?arrow

Absolutely. Midland Credit Management 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 & Verification Questions

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

To request verification, please follow the instructions that MCM included in its initial communication to you. 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?arrow

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?arrow

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

Is Midland Funding your current creditor?

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.

Look Up Your Account

Accreditations

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

R M A I Certified
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Serviced By Midland Credit Management
Read the MCM Consumer Bill of Rights
Read about MCM’s Privacy Policies

Call MCM Toll Free: (877) 653-4161
Or Write MCM at: P.O. Box 939069
San Diego, California 92193

© 2026 Midland Funding LLC. All rights reserved. NMLS ID 973111

Please understand that this is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.