Midland Credit Management Reviews

They are on you big time when you owe them money. In the process of buying a home and paid my account off in full and they can't provide a paid in full letter and are telling me that I'm going to have to wait an extended period of time before I can get it which is going to further delay my closing. This is one of the worst collection agencies I have ever had to deal with, all of the other bad debt I have had to take care of during the repair of my credit have been able to provide something the same day I settled the account.

The online chat feature was super easy to use and they helped me create a payment plan that was right for me. I highly suggest talking to someone on the phone or the online chat because they can help you create a payment plan that is different from the offers that you see on your account.

We all have dreams and goals when we grow up as children. The people who work for MCM have accepted the fact that they will never make the world a better place. They will harass the living hell out of a poor family. A family who couldn't afford to make a credit card payment because their father got t-boned on the way to work and does not qualify for workers comp. They prey on hungry children whos parents struggle to afford food to feed them. They won't stop until they sue you over $1200 and take money that you need for rent. Scum of the earth. Really not sure how they can sleep at night.

When I was first put with Midland Credit Management they told me that they don't report to the bureaus at all. I've had a payment plan with them for over a year that I have made my payment every two weeks on time because it auto drafts out of my account, And they have been reporting to the credit bureaus that I have missed every single payment that I have ever made to them and that is incorrect and they refuse to change it.

While I dislike being in this situation, I really appreciate how MCM has handled my account. They treat you like a human, and their customer service is great. Recently I spoke to Kiera to make a change to my payment, and she handled it quickly and efficiently. Very happy so far.

Everyone always fast, knowledgeable and nice, always helpful and understanding my needs to update my account if need be, the payment plan easy and adjusting it as well if and when needed. What a great company to work with especially under the debt management scenario.

An agent was immediately available. The gentleman who helped me was very professional. When I asked a question, he answered it. If there was something he was unsure of, he invested the information and got right back with me.

Bruce ** was a very helpful employee. He was very patient with me as I have no dispute with Midland, sadly I know I had paid this off with Capital One as I had not qualified for a platinum card so I was very confused but thankfully Midland has been very cooperative and friendly about paying this off. Thank you!

Midland has been wonderful to work with and turned a scary credit situation into something very manageable. The representatives I've spoken with have all been very helpful and are willing to meet you where you are. Great customer service!

The rep did a fantastic job! He needs to get a bonus! He was very patient and set up a custom plan and explained how everything will work, his patience with me (who had two strokes back-to-back in less than a year) made all the difference for me. Thank you again Bruce **. Your company has a diamond in you!

Great people to work with. Everyone I have interacted with has been very friendly, professional, helpful and overall they have made each experience very smooth. Their chat team is great and are able to get may questions sorted in a snap. Really I can't say enough about how positive the experience is, that you MCM!

Very easy to deal with during the payment arrangement process. Agent was very helpful and kind. They are very helpful in my situation and I am now able to begin repairing my credit issue. I became disabled in 2021 and was unable to continue making payments. Now that I am retired, I am finally able to resume payments and it will come off of my credit report by the end of my payment arrangement.

I had the pleasure of doing business with MCM (Midland credit management) through a purchased debt from Concora Credit. Through only one conversation with their customer service rep I was able to reach a fair payment for both parties and I'm much happier dealing with MCM over concora credit at the end.

The first creditor to be kind and actually work with me. I appreciate their understanding with my situation that got me behind. The gentleman I spoke to was very kind also. He did not make me feel less than, which was nice.

Due to the freeze in Texas I was unable to work for a week. I needed to skip my next payment and "Bob Eric" was extremely helpful in doing so. Conversed via the online chat option. They were extremely helpful and efficient with solving my issue.

Midland has been an amazing company to work with. I fell behind due to my addiction and after rehab and finding a job they have worked with me on payments that fit my budget while still satisfying their requirements for a minimum payment.

Great customer service provided by Agent Gary ** that assisted me with my request today! I give 5 star rating and would recommend the services provided!

They worked well with my financial situation and was able to set up a payment plan I could afford. The person was helpful and understanding. No complaints from me.

They helped me to change the monthly payment to my request since I am not working until spring time due to seasonal job which would be from March to November. I recommended them if you need to get a loan from Midland Credit Management.

Online customer service, Paul was pretty good and straight to it. It's not Paul, but Midland that can be annoying at times. Regardless, they helped me with what I needed in a timely manner. Not too bad.

My representative was very helpful; he helped me customize a payment plan so that I could make payments on all of my accounts instead of the 2 I was paying-- and he kept to the budget that I told him I could spend. Chat was so easy to set everything up; I wish it was this easy to use chat with all of my bills!

I contacted them through chat and told them I didn't have a job and wanted to pay monthly and the representative was rude and said we can't work with you pretty much. She wanted me to pay something today which again I reminded her that I'm jobless at the moment and couldn't pay anything then she said, "Well pay today and then pay biweekly." Once again I tried to remind her that I'm jobless so how in the world can I pay today with no income coming in. You can tell even through text she was rude and hateful.

Bob ** was so very kind and helpful and understanding! What an easy time I had getting the payments set up and he actually cared about what I could and couldn’t afford. What a great company. Also they actually want to help!

Thank you for understanding my situation and letting me get ahead of repaying my debt. I appreciate you guys. The representative I had was very understanding of what I needed done and I thank him for it.

I had two accounts totaling around 4500. I wanted to settle all of it in one day. I offered an amount and the agent counter-offered and so-forth. We ended up coming to an agreement that I was satisfied with. I ended up paying 1700 for one account and the other account I would pay 175 for 12 months for the remainder of the other account. Some things were not clarified at the end but I ended up understanding that the original balance remains until they receive the payment amount in full (the discounted offer). Once they receive the offer amount, then the remainder is erased off of the account and the account is closed.

Convenient debt resolution and reports payments to credit bureaus. Autopay and no unwanted spam calls. It was easy to setup my payment plan and I have been committed for over a year without stressing about resolving my debt.

Paul ** was very helpful and kind. Chatting with him was a pleasure. He was much better than the reps on the phone. Next time I have to communicate with this company hopefully never, I will always ask for Paul.

Charles was very helpful in explaining the options I have to pay/close my account with MMCM. Since I am making payments from another country, I am having some difficulty making my payment card to work correctly with MMCM payment plan. Charles explained to me what I need to do, which is contact them via chat and explain the situation whenever I face difficulties in payment and to set up a new payment plan. I believe the information I was given was helpful and I have a much clearer idea on what I need to do.

Keira was very helpful and empathetic, and was able to resolve my situation very quickly. I explained to her my current situation and she was able to immediately locate my accounts and resolve the situation that I was experiencing.

Very efficient chat service. Quick results! Edward was professional and knowledgeable of what was available to me. Smooth transition to creating a new payment plan. Although I am not happy with my situation, I am very close to closing all of the accounts I have with your company and being debt free!

I chatted in to update my Card/Account info and was unaware I had to sign a new payment plan. They advised me, canceled the old, produced the new... I signed and got the answers to my questions. All is well!

MCM reviewed alternative payment plans due to financial hardship and emotional distress. Yes, everyone is going through something; however, MCM took the time to review my account. Thank you for your time and attention to my matter.

Russell was great with communicating, and was understandable. They helped me with getting a plan that worked out best, and I’m back on track. They carried a clean and concise approach, and helped me understand everything I needed to.

I recently visited the MCM website to take care of an old debt. While visiting the site I was able to setup a payment arrangement thats fit my needs, while repaying the debt. Navigating the website was a breeze and so was setting up my arrangement. I do wish they would add an option to make additional or optional payments via a payment portal. All in all the experience went smoothly.

They have been great to work with helping me resolve a debt that I owed and getting it paid off with payments that I can afford each month until I can get it completely paid off, so that way it does not affect my credit nor does it go into being taken to court.

They are understanding. They work with your situation. I didn’t know it was this easy to get my stuff pay. They definitely make it so easy and great communication, always friendly. Yes I would pick them again. Thank you.

They are very helpful and work with you if something happens with your payment. You can restart your payments on a different day. It really helps when in a jam. Just chat with a representative and boom done and done.

Russell ** was so helpful in getting my payments all set up! He was so kind and the only one since I’ve dealt with Midland who has treated me as a human. He was respectful and fast! 10/10 recommend talking to him.

Just before the pandemic, I was doing ok, but as soon as it hit I could no longer afford basics. I lived on my credit cards and of course got way behind. I couldn't afford to pay large payments months. Eventually, MCM contacted me and explained I can be making small payments monthly and get back on track with on time payments. They've always been really kind and tried their best it seems to help find a solution that worked for my needs financially, specifically. Not just a random amount. Today I got my missed payments sorted & the chat was very helpful & allowed me to handle things quickly & efficiently. I recommend MCM as a company to work with. They've been a LOT better than other companies I've had to work with. I appreciate them, & hope they help you too.

They are great. I'm on a fixed income and they worked with me to make it easy to pay what I could afford. Awesome to work with. Great customer service and support. Can't find this kind of service anymore

Samuel did an excellent job in helping me with my billing info. He checked to see the balance and where my account is located and he is helpful is getting my answer that it was in checking account instead of debit since I just have a new card and wanted to update it. I didn't have to since it was in checking account. That's is the reason for my five stars.

I had to change information on my account so I clicked on live chat and was pleasantly surprised how quick they responded. Within minutes your associate was able to resolve my issue and have it fixed, now less stress for the weekend.

Willing to work with me after a car accident ruined my livelihood. I am able to make small monthly payments until I have paid off my debts. This company has been patient and helpful in resolving my debts.

Process was very easy and my live chat with Paul ** was very easy, he was very helpful with my situation. I was able to get a plan to fit my needs, and it was so easy to get that set up. I’m very satisfied to have had such a smooth experience.

I needed to update my payment from one checking account to another. During the process, the first agent I spoke with reset my plan, but when I went to set it up again I realized I had lost my original discount. The new plan would have cost more each month and added another six to seven months to my payments. I was frustrated because all I needed was a simple update to my payment method for future payments.

I gave them 4 stars. Website is easy to use and navigate, asks only for minimal info. Online chat is very useful, and prompt - no complaints there. However, I have never once gotten a voicemail from this company. When I called the phone number on the bill, nobody answered. Twice. Other than that, simple and straightforward. A 10% discount isn't bad for full payment. However, given this is a third-party collections company, I really wanted to get somebody on the phone an attempt to negotiate a 20% discount. I was unable to do that, thus, the four stars. Far better service than I have had in the past from collection agencies though.

In the past, dealing with creditors was a headache to say the least. I have had good experiences so far online and using the chat service. The agents have been helpful and I appreciate their help. The payment options are flexible and at rates that are affordable for me.

Kiera is very helpful & understanding but direct. Greatly appreciate her ability to resolve the matter quickly but kindly. Midland credit is understanding but straightforward while navigating the best options for you.

Darwin ** was awesome. He was patient and thorough. Ready to correct any changes I needed and never hurried me when I could not get technology to work (well I was clicking on the wrong button). Thank you again Darwin for assistance.

My original financial institution account was hacked and I had to change banking information. I live chatted with Irene and she was wonderful and patient leading me through the steps required to make the change. She explained everything and I am grateful for her help.

I didn’t know it was this easy to resolved the credit issue by reaching and chat with a representative because I have been receiving an email. But, I thought it was resolving by Credit Sage that I’ve enrolled for credit repair. What I’ve owe was unintentional payments because after working since 1995 I am now injured with a judge hearing done on 8/11/2025. I’m on very limited income of $889/month from SSI. I never wanted to have my credit score to go low that’s why I thought I found a solution to resolve it. I was calling the one of the merchants but it ended up I was directed to credit repair sage, at 1st starting to $1.00 to charge me, then $378 to fix the score then $79 for hard inquiries the Barclays it appeared in my credit report.

Gray ** was incredibly patient, professional, and kind. He made a stressful situation easy to handle and treated me with real respect and understanding. Truly an amazing person and a great representative of your company!

Online staff is really great. Helped me by switching dates and was able to increase my amount even while at work an not able to call out or talk on phone. It's good that they are nice about helping. Thanks.

Charles was great, not only because my husband name is Charles. He was quick, made sure I had everything I needed and was very very patient with me. The chat service provided me the information that I was looking for.

Very understanding and knowledgeable take care of all your needs. Totally recommend using them. Very satisfied with all my questions and needs and happy they were able to help with my situation and I can now have a sigh of relief.

Gary **, My agent, was a wonderful guy. Very understanding and I appreciate him. Midland Credit Management is a fair company and if I can, I will pay back every dime I owe them. I fallen on hard times and they understood. God bless them.

Divorce left me buried in debt and the payment plan offered saved me and my credit tremendously. Customer service proved extremely cordial and helpful when I broke my leg and deductibles and copays wrecked my monthly budget and I was scrambling to figure out how I was going to make my payment that month. Thankfully a quick and easy chat with customer services deferred my payment to the end and allowed me to skip this month's payment and it was so quick and easy. What a relief!

It was quick and concise. He was patient with me all the way through. No complaints whatsoever. Thank you Charles! I appreciate all the help and options you gave me to get to the goal I was aiming for!

This debt is about 4-5 yrs old. I gave my word back then to take care of debt soon as I was able & I am holding to my word (aka-Integrity !).. Victor ** is GREAT !!! He understood exactly what my situation was, & worked with me to get what I needed to get my debt paid off. Yeah team Victor **!

Chat service was easy and the person I chatted with was very helpful. Got my account concerns taken care of quickly! They were able to get my new bank account info moved over and remove my old bank info.

I "spoke" with Keira online and she was able to assist me with my needs. We had a great conversation and I was able to get my debt paid off. No more creditors calling. They were flexible and very willing with work within my needs/abilities.

Very quick when I needed a response, easy to understand instructions and information. Care about their customers, understood my situation and helped me with my payment plan. Very thoughtful and thankful.

Bruce ** was responsive and heard my concerns about this past due account. We were able to reach an agreement. It is a relief to have a plan for getting back on track with this bill! I appreciated his assistance today. Thank you!

I came to this site with some curiosity & questions to my matter and I am happy to say that I was provided with a wonderful tech supporter who helped me understand my situation thoroughly and what all this company was able to do to rectify the situation to get my matter handled. Excellent live chat service. I did play 20 questions with the gentlemen who assisted me and only received positive & mannerful feedback from them. I recommend going through Midland Credit Management where your voice will be heard and positive resolutions will be made.

I ran into an issue paying my installment plans on my four accounts due to an emergency. My representative help me with my accounts and get me back on track. All aspects of this company are positive. They are caring and understanding.

They were so good. I’m a single mother on one income and they worked out a payment plan that suited my pay schedule and my income base like so easy to talk to through chat and help me through every step. Great customer service.!

Settled my accounts but I don't feel like the discount was an even amount. 10% wasn't worth it to me but I'm tired of paying overall so I accepted. Wasn't recommended so I wouldn't recommend to family and friends.

Very good customer service and support. They helped me with any concerns I had and promptly gave resolution. Wonderful people! Wonderful service that helps you with clearing up your debt. Would recommend to anyone wanting to seek help with debt.

I had a terrible agent Luis ** who did not explain things to me and only kept copying and pasting responses. I simply ended the chat and rebooted another immediately asking for a supervisor. There I encountered Tim ** who mentioned he couldn’t get one but asked my problem. After describing what the issue was and the problem with the last agent (Luis **), Tim gave me an in-depth explanation that allowed to me understand the response of the previous agent. My issue was not resolved per se but I wanted to rate the experience I had with customer service. If not for Tim ** the rating would have been 2 stars or lower.

The agent Bob ** was very helpful and awesome and caring. Due to my situation I am struggling to keep up and the agent was very mindful of my situation and resolved this issue fast and efficiently for me.

It was straight-forward assistance and easy. They were able to understand my situation and guided me through my late payment. A new payment plan to help me make more consistent payments was even made. They really try to work with you instead of pressuring you. I didn’t feel any pressure at all. Thank you.

The account representative, Bob C, was truly outstanding. He made everything seamless and answers all of my questions and concerns. People like Bob are few and far between, and he deserves recognition for being not only professional, but also understanding, kind and respectful.

They were able to work with me on my payments and was able to change things when necessary. My account showed all of my total payments in the future, and my payment is made. When I needed to pause a payment, they were able to work with me online.

I have only been working with them a short time but already feel like they are very supportive and kind. Very easy to work with and contact with them is simple and fast. I have never had a debt collection company so easy to work with.

Keira was very helpful, patient and kind. Helping me with what I can pay every month for something I owed. She was very detailed and thorough! Thank you very much for all your help today and I got we you have a nice day! :)

This place just seems shady as hell to me. Within a few minutes of calling and without getting hardly any information to verify they were asking for my Banking information. Routing Number, Bank account. The whole nine yards. Then after I finally verified that it was an actual "Legit" collections agency and made arrangements on the debt they sent me "Attorney Review Planned" notice. Sent to my house by FedEx. (Hadn't even heard of or from them before that except for one Phone call.) They claimed I had a second debt with them. Didn't say crap about it for the entire conversation and poof second debt. Not to mention they're claiming that they tried to phone me multiple times and I have zero calls in my caller ID from anything even close.

I am very happy of how flexible this business is. Bruce was amazing in helping me schedule my plan. Everything went fast and smooth. I am glad that Bruce was able to help me. I can't wait to clear off some of my debt at the time I need to.

Representative was decent and took my balance down to pay. Could have done more but I understand. Was able to get this credit file resolved. We will see if they stand by the deletion. And we will go from there. Thanks.

I had received the worst customer service from these co. The first person was very rude from the first minute of the conversation to the end. Without going into detail he would not let me speak. All he kept saying was what I owed and yelling at me. I asked to speak to a supervisor. The supervisor was just as bad. At one point I did tell him I was the customer and he had no right to speak to me the way he was. Horrible and rude.

Bob helped us adjust our monthly payment because we were having some difficulties at this time and just need some more time to get back on our feet. This helps us so much. We won't worry too much because now we can make our payments with ease. We used online chat and Bob was very attentive and knew how to help properly.

I make my payments every month on time. YOUR OVERSEAS AGENTS DON'T KNOW HOW TO TALK TO PEOPLE AS HUMANS. They just want you to give them your payment over the phone. But you give us the option to do it online. They need to listen and answer the questions we have not just start talking like I'm a child.

I needed to note my account that I had new employment and that It would be easier to resolve my debt in the future. I wanted to input an estimate of my new income amount and assure MCM that I am satisfied with my new employer and that I intend to remain there until I retire; pending there are no unforeseen issues that arise. Am very satisfied with the interaction today and feel positive looking to the future.

So, this is my first time reviewing a debt agency lol. It's my first time having a positive experience with one as well. I profoundly appreciate the payment plan option, the ease of use to find my accounts, the transparency on the site in my account. It was incredibly easy to resolve my debt and you have no idea how much I appreciate that the interaction was not just humane, but actually very polite. There was no feeling of shame I've had with other debts from the same period in life. While that's what I appreciate the most here, second is that they do allow for deletion on payment. So not only was I not shamed but I was given the ability to live out from under a bad time in my life. They didn't make me keep the record, which feels like some kind of punishment. I felt like a person and was treated like one.

I was extremely satisfied. They tailored the agreement to meet my needs so I was set up for success paying of this debt. I am grateful they worked with me instead of pressuring me to do something I couldn't. Christine was amazing. Thank you so much, huge relief. They aren't a creditor that mist are used to. Thank you.

Paul ** was nothing short of amazing. Anything obstacle I might have ran into, Paul was there to find a new option for me. He was patient and knowledgeable and utilized all the resources he had at his expense.

From their website: "We'll work with you to find a solution that works best for you." THEY DO NOT WORK WITH YOU, AT ALL. IT'S their way or the highway. No such thing as negotiation. Lots of lies. Dirty. Enough said. Avoid them at all cost.

Very helpful site. Always reminded me that I had an outstanding bill. Did give up on me. Real easy to discuss my situation through Chat. I was able to work out a payment plan that was good for me. Never give up. As my grandmother would say "Them who ask, get".

The creditor offered a settlement of $300. I wish I would have taken it. Midland is collecting almost $1,000 for the same debt. At least I am able to make payments and avoid a lawsuit. Grateful for that. Their chat representative was cordial.

Bruce ** was very satisfying to get this taken care of and working with me. He did a very good job over chat. It was all handled in a short amount of time. I was very pleased with everything and all he was working with me. I’m glad I could finally get this all taken care of and handled and it was almost a pleasure. I’m glad he was very concerned. Also about me and my health and helping me get this taken care of.

I was unable to remove an old credit card number from my account on my own. Charles with LIVECHAT walked me through it and stuck with me until I was set up with a new contract and card on file. Wasn't stressful at all.. Review was harder than the interaction.

The agent that I first spoke to was beyond rude. There's a way to talk to someone and her way was NOT it. Very condescending. Said something along the lines of not wanting to agree on a payment plan. Pretty much threatening to just sue “have you ever been sued. Taken to court”. And not give an option. Said I only am agreeing now because xyz. It doesn’t matter why. Said they have been trying to contact me for 12 months. Which was not the case. I kept asking to just set something up and she kept saying I had months to do this. Why couldn’t I then. Told her I didn’t need to tell her. My business is my own. To let me set the plan up online. She said I couldn’t and should have done it earlier. Kept having an issue with her. Asked to be transferred to another agent. Hung up because. Went online and talked to/set up a payment plan. No drama. To questions. No threats.

DO NOT attempt to get good customer service from this place. The entire call center staff is ** and cannot speak proper English to the point where my own payments have been stymied or thrown off because of the inability of their call center employees to speak english.

Victor ** understood what I needed and wanted. He was great and helped so much! If you end up having him then know that he will meet your expectations. He made it easy to fix my problem and took the time to work with me.

I had a Great experience. Keira really helped me with everything I needed to get started today with this debt. She was very quick in her responses and helped me get a monthly payment that I could really afford.

I contacted the Chat Customer Service to notify them of the passing of my mom. Representative Bruce was very helpful and offered his condolences. He was very helpful considering the situation and what I was going through.

This morning when I began the process of sorting out the lapse in payments on my account I first spoke to a representative named Christian and he was transparent with me about what was expected of me and also clear about the accommodations that couldn't be made (in my case I could have used a month pause on payments). He was very understanding and did help me in the way he could by allowing me to split the days of the 2 payments I needed to make instead of having to pay both the same day.

The customer service is amazing. I love the way they’re able to help you with your concerns without being rude and just understanding the circumstance you are in and find the best possible fit. I would recommend to anyone going through a difficult process with a credit card.

Easy to use chat feature, they helped me edit and update my payment plan to fit my needs. They explained why some options might be better than others for my specific situation. Very helpful, but not drawn out.

Worst experience ever. I offered to pay off a debt, yes at a lower settlement or make monthly payments. That I could afford. But they refused my settlement offer and refused my payment amount. Isn't any amount of money better than none? Why would a company looking to collect money not take mine? This company will not work with you! They falsely advertise how they will find a solution that works for you. They will not.

Darwin ** (chat agent) was kind and helpful. He got straight to helping set up a payment plan that I can afford. I am working 20 hours weekly currently and looking for a full-time position and then I can pay this account off.

I was helped via chat with Darwin ** (DR) who was nonjudgmental as I became delinquent on my account. I was not able to work when I was accepted in to a very tough scholastic program and thus could not keep up with my debt. Now that I have graduated and work full-time, DR was able to create an affordable plan that benefited myself as well as MCM. It was an easy negotiation process without feeling pressured to commit to a plan that was not within my means. I due have a changed outlook on their process and industry due to my experience with DR.

Worked with me on my financial issues and was flexible when I needed assistance. The customer service was top notch, friendly, efficient and make the process easy and straightforward. Good experience so far.

I lost my job. The payment plan to pay it off work for me and it was the right way for me to get it paid off. I'm making my final payment. Every one that's I talked to has been very nice and help me get it done.

The representative was very patient and understanding of my financial situation. He helped me set up a payment arrangement that fit perfectly with my budget. He also took the time to explain any questions or other concerns that I had in a timely fashion.

I was very pleased with how l was treated and how knowledgeable they were and patient... They help me very much. Lots of effort was made to accommodate me. l truly appreciate it. Thank you... l am so satisfied with the outcome of the chat. Truly have no complaints.

My customer service agent was dedicated to helping me. Although my customer service agent and I had a short conversation, I feel like it could have been prolonged by inexperience. I did not have to wait, read excuses or determine possible outcomes, because the customer service representative had knowledge of my problem.

Midland Credit Management (MCM) provided exceptional customer service by demonstrating professionalism, empathy, and clear communication throughout the entire process. The representatives were respectful, patient, and attentive to my concerns, taking the time to explain my account details thoroughly and answer all of my questions without judgment. They offered flexible payment options tailored to my financial situation, making the process manageable and stress-free. Their courteous and understanding approach made a typically difficult experience feel surprisingly positive, showing genuine care for helping me resolve my debt in a responsible and respectful manner.

Needed help adjusting my payment date and Bruce helped make a customize payment plan that worked for me. Was very helpful and much appreciated! I really appreciated him walking me through it and taking the time to make sure it’s what I wanted.

I've had terrible experiences in the past with Midland with harassing phone calls and taking forever to try to rework a payment arrangement. Irene on the other hand was very helpful, was struggling this week and had less than 500 left to pay, she was able to move the payment to a later date with a lot less hassle than I'm used to, need more employees like her 🙂.

Excellent customer service! The payment plan that I was on got messed up somehow and they set me back up so I didn't lose my progress. It was very simple and I didn't need to plead my case. Great experience!

Victor K was very patient and great to work with on trying to handle some online issues with my account through the chat box. Ashley was also great, being very patient and helpful as well over the phone. It's never fun when dealing with Collections Companies, but these two made my experience so much better. Having debt is already stressful enough, and then trying to pay it off while facing issues can make it even more stressful. However, these two factors made it less stressful. Thank you both so much for making my experience with Midland Credit Management better than expected.

Very straightforward and transparent when it comes to paying back a debt. Customer service was also very helpful when I had to update my existing plan. The customer service representative (her name was Christy **) canceled my plan and created a new one for me with a better payment schedule.

I was able to get an affordable payment plan set up. The agent I was chatting with was helpful. He said my credit would now not be delinquent and would be on a payment plan and when my debt is paid off they will delete off my credit report.

This is by far the best Credit Management I have ever dealt with. I spoke to Paul he was extremely helpful, he was POLITE, FAST, KNOWLEDGEABLE, and EFFICIENT. I can't say enough good things about my experience today.

Bob ** was great to work with. He was very helpful in every way. Thank you Bob. We were able to come up with a settlement that would work for the both of us. Finally peace of mind that I was able to settle my debt.

Charles was quite respectful and professional. He offered reasonable terms and made the process easy working with me on several convenience factors. This was a much better experience than I have had working with other collection companies in the past.

I have worked with MCM twice to settle debts. They are the easiest debt collection company to work with. The website is super user friendly, they are flexible, and customer service is phenomenal. They don't make you feel threatened or like you're just profit for them. They sympathize and work with you to settle your debts.

I had a debt that was transferred to Midland Credit, and I recently settled it. I was initially nervous but I spoke with an account manager through live chat who was professional, clear, and respectful. They confirmed my account details, walked me through the settlement process, and even confirmed that the account was not being reported to the credit bureaus. I appreciated getting written confirmation and being told I'd received a paid in full letter by email and mail. The process was straightforward and much less stressful than expected.

I gave a rating of 2 stars, not because of the representative I spoke with, because the service was very amicable and friendly, but the policies are extremely difficult (impossible) to work with. I do hope some flexibility is added for clients in extreme financial hardships to make it more realistic to pay off/settle rather than clients being turned down with offers and having to let their accounts go.

The most helpful and informative collection agency I’ve ever dealt with. The LiveChat option made a huge difference, in that I spoke with a real individual, who actually worked with my financial budget and made the decision making process much easier.

They are very helpful. They help me out and they understand my situation and I appreciate them for helping me out. I have a plan with them and it help me out and it helps them out. Other people may talk bad about them. It's because they probably didn’t reply or didn’t pay them. That not my problem or my business. I take care of my business. I don’t play with McM people. I recommend yall get with them and work with them. They are there to help you.

Did a chat with Victor ** and he was able to help me pay off my balance with ease. He was kind and patient in resolving my accounts. It was easy to navigate. Thank goodness it's over with. No more debt!

Victor via online chat was polite, patient, and kind. He helped me close out 2 accounts in a timely and efficient manner. I hope I don't have to use the services again but if I do I'd choose to work with Victor again!

I had the pleasure to speak with Wyatt ** who made my settling of accounts an easy and stress free task. He really went above and beyond. I really appreciate it. Seriously, thank youuuu Wyatt!!!! :)

Thank you, Russell **, I truly appreciate the help! I really cannot express my gratitude after having such a rough week. Thank you truly, I appreciate the help beyond words! He helped me with my current struggles. I was recently laid off and did not know what to do. I appreciate his help and understanding of my current situation. Thank you so much!!

Evans did a great job with me today, I'm happy he helped me to resolve my problem, that help me a lot with my credit line, I feel very happy today, never imagine that can be so easy, he help me in each step till the end, thanks again. God bless him forever.

So I spoke with Jason ** (I hope I spelled that right). Turns out Mid-land has 3 of my husband's and I accounts. He turned what could have been a nightmare of a phone call in to an absolute day dream. I couldn’t have asked for a better agent to speak with. He heard me when I explained my situation, found a way to work with me other than hey I need the full amount t today. We worked out a payment arrangement and I will be recommending him to people I know if they’re getting calls from mid-land! I don’t have a receipt yet but I’ll edit and upload when I do! Talk to Jason!!!

Very fair, patient and helpful service. The chat is prompt and human staffed. They offer very fair payback rates and are flexible and nice. They don't penalize you too fast or harshly if you miss a payment. The website is simple to use.

I chatted with the nicest person. She helped me settle my debt. And stayed with me through the pay process. Told her what I could afford, she broken it down for me to be able to settle three different accounts.

The customer service is great. When times get tough and things outside your control happen it really does help to have understanding from the companies you pay your bills to. I’m currently out of work and needed to make payment arrangements for my payment plan, and although they still need a payment every month, the representative was able to custom my plan to as low as $5 for this month and next month, which is very affordable for me right now. I’m not sure what j would’ve done if the payment couldn’t be altered.

Russell was very courteous and helped me answer the questions I had along with Hayley O to help me settle out my account. I wasn’t sure if they would be able to assist me with closing this account and clearing up my balance but they did… I am so grateful.

I had a payment plan in place already. Needed to update my method of payment. Irene was friendly and efficient while assisting me to update my payment plan and adding my new bank account. Having that chat feature sure is convenient!

I worked with a gentleman named Bruce R. I can't express how thankful I am to him. He was patient and understanding about my situation and worked with me until we could get a plan that was manageable. He genuinely listened and cared, hard to find sometimes. I am very grateful for his help!!! I have a complicated situation, and he treated me like a person, not an account.

I truly appreciate the help I received in setting up a payment plan. The person I worked with was patient, respectful, and genuinely willing to work with me. We were able to come up with a plan that fit my situation without putting me in an even worse financial spot. At no point did I feel pressured or judged, and the entire conversation felt supportive and professional. It's rare to deal with someone in collections who shows this kind of understanding, and I’m very grateful for the experience.

Darwin ** handled these important issues in a timely and professional manner. He is a true professional. I needed someone to help with my current issues, and he did so very quickly. Best wishes to everyone, take care, and stay safe!

Bruce ** has been the ONLY person to help me resolve this account after years of trying to pay off. He gave me an affordable deal I couldn't resist. Now my account is resolved in full, although settled. I'm satisfied! Kudos. Thank you.

The online chat is awesome, and I like that I can do this when I realize I won't be able to make a payment on time. The people you type with are always very helpful and kind, it is like speaking with them in person. I am glad they have this option but wish it could be available 24 hours for people who work weird hours and cannot get to them during their hours. This is by far the best collection company I have ever worked with to this day!

Every person I spoke with was extremely helpful in getting my debt settled. They worked with me on something I could afford and were all very friendly. Hopefully I never have to deal with this situation again but if I do, I hope it’s through MCM.

This company is a vampire who comes for blood. I am working with a Beyond Finance to get my debt resolved and they reach out to this company about 160.00 that I had left on a 1000 dollar debt and they refused to return their calls and emails about the debt then took me to court after the offer expired and garnished my check for 376.60 plus 15.00 court cost. This place is as dishonest as they come.

Customer service was fast and knowledgeable. Service was helpful and walked me through the steps I needed to get my account paid. I also received a discount and was able to close out my account. Thanks!

I worked with Darwin **. He was friendly and professional. He understood my circumstance and was able to change my payment to an amount I could afford. He made my experience easy to understand and transition through.

Wasn’t to familiar with finance and needed to clarify a few things. The live chat manager KP was amazing. The app and ease of access to be able to do it all from my phone made it that much better. Thank you.

I switched jobs in the middle of a payment plan and had a lapse in pay. I was able to change dates online quickly and no hassle at all. They provide an update in less than ten minutes, no phone call. Incredibility helpful.

I needed to update my payment information on an existing payment plan. Collection agencies are never fun to deal with so I had set up my original plan online. Since the current payment was already processing I had no choice but to contact them directly. I used their chat feature and worked with Bruce Rollins. He was very helpful and very professional! He explained the need to cancel the existing plan and start a new one in order to change my payment method. This was a seamless transition and the correspondence with Midland Credit Management's agent was respectful.

This company was easy to work with and very understanding. I had to void payments for a few months and they allowed me to do so to get my finances in order. I appreciate the time they took to help me.

I wanted to settle my account and get this account behind me. I got Keira ** on chat who actually listened to me and settled my offer with a custom offer right on chat. The offers on the portal login was still too high out my budget but she was able to meet me where I was got approval and I paid it. Thank you Keira and team.

I needed to update my payment method and couldn't find any way to do that. So I used the live chat feature and got the assistance I needed in a jiffy! Christy T. was very professional and patient with me as she guided me through.

I’ve been working with MCM for about 3 months. MCM is very Understanding when it comes to payments. They help me with everything I am needing in order to complete my program. Communication with them is easy get go. They answer phone call or live chat very quickly.

Writing this since I’m so forgetful but Bruce ** was such an amazing customer representative. Used the chat as well. Handle my situation quickly and responded in a timely manner. To get my payment option situated. Thank you Bruce!!

Easy to work with and the 24 hour support was helpful. Rose ** was a huge help, and was quick to respond at 11 pm at night to get my account resolved. I settled for less than I owed and they made the process easy.

The emails are helpful, the site is easy to navigate and the online chat sessions actually work. I needed that change a payment date and someone was online to help. They helped me in the online chat.

Scam organization wildly unprofessional, predatory, and rude, basically timeshare for junk debt. Read the Glassdoor and Reddit threads before speaking to them. Go to court with attorney and fight it (before judgment) ; apparently these get thrown out all the time—and we, the consumers, don't fight back. Make sure you record your calls. They will lie. Yes, they are on commission. Rooting for you!

I'm looking forward to my debt to finally end, Midland gives me my letter they promised me of completion for debt. For the credit removal. Because I'm looking forward to becoming a homeowner. Great job Midland.

They had a settlement offer and payment arrangement amount listed inside my consumer profile which I found useful, but it was listed a bit too high for what I could afford. My information was easy to access and easy to login. Customer Service was available on a Sunday via chat and was very helpful. They were able to work with me to lower my payment arrangement amount, provided that I give the first payment the same day. I did have to call back to provide the first payment after I was paid by my new job, and they did honor that agreement from our previous conversation, which I very much appreciate!

I want to sincerely thank Midland Credit Management for working with me during a very difficult financial time. From the beginning, they treated me with respect and professionalism. My account manager, Charles, went above and beyond to listen, understand my situation, and help me build a fair settlement plan I could manage.

The website is easy to use. They offer reasonable plans to help you get back on track. I appreciate the helpful and knowledgeable customer service! The live chat is extremely helpful especially when you don't have time to make a call.

Spoke with Gary, collector from Midland. I made many attempts to re payments my debt and establish a payment. Sadly, the other collectors were unprofessional and did not verify my data. FDCPA requires the mini meranda and a person can not create a debt to cure a debt-cc charges or other. Gary was the complete opposite and was very professional. He treated me as a person, understood my current situation and worked with me to ensure my payments would succeed, not set me up for failure as many shameful firms do. I was a federal collector for years. I state this because Gary handled the situation to the T. Treat people like people, not like pricks. Because of his professionalism, I was finally able to start resolving this issue. Thank you Gary.

Great chat experience and the representative who assisted me today was very helpful. The overall MCM experience is a bit time-consuming. I should be able to independently make a payment without always having to talk to someone on the phone or online first. If I owe y'all money and y'all want y'all money, make it easier and more convenient for me to pay y'all or catch me when you can.

The call was very loud in the background. The staff member was very rude and did not listen when I explained the situation. I gave all the information she asked for, and then she still didn’t help. She had an accent, which was very hard to understand as well.

Was very helpful in understanding my situation and was sympathetic. The live chat was easy to use. He helped me deal with the situation and was able to come up with a reasonable solution to my issue that I had.

I needed to setup a payment plan that would be affordable but did not want to mess with spending a bunch of time on a phone call, speaking to a representative. I logged into the website using the bill I got in the mail. The website was easy to navigate and understand. I noticed that there was only one account showing and I needed to resolve two. I was able to utilize the chat to get a representative to update my account. He resolved it quickly and stayed with me in chat through the process so that I didn't have to start over with someone else if not everything was resolved. The representative was professional and quick. I never had to call the call center and was able to setup the plan on my computer. Although I'm having to deal with Midland because I defaulted on credit cards, they made the debt resolution easy so that I can get back on track and improve my credit score.

From start to finish Tim S. was very kind and understanding to make it work for me. He was there and listen to my offer and made it happen in my favor which never happens! Hands. Sincerely Happy Customers!

Benson ** helped me changed my payment plan dates to what suits my payroll schedule, I really appreciate Benson's help. THANK YOU!!! They went over each account and what my payment plan would look like, they stayed till I confirmed anything!!

Rose C was amazing!!! She helped me out immensely and got me settled into my account. She helped me set up a plan and was so kind and.patient. This is always an uneasy thing to discuss and having someone there who helps You feel comfortable during this is so important.

They're good at getting you to be responsible and pay your debt. I worked with Matthew S. and he was able to help me address my neglected debt. They offer online options to set up payment arrangements and for people with social anxiety, this is appreciated. I was able to chat with him on a Sunday.

Thank you for your attentiveness and flexibility in helping pay my bills. Any time I use the chat feature, getting the help I need is efficient and friendly. Also, the representative remains on the line to make sure my concerns are taken care of before disconnecting.

Customer service was great. They understood what I needed and helped resolve it in a timely manner. Even if it was online they responded fast. Would recommend to anyone either by phone or online. They will help you.

It was a pretty decent experience. I had a Dell account, and my legal name was changed back in 2014. I was receiving the statements continuously, but they suddenly disappeared because my old name was a Korean name. In 2024, I was billed a few times and accidentally made a payment on a previous Dell statement, even though it was already on the MCM account. I tried to determine how much was actually paid and unpaid. This was challenging, but MCM resolved it, and I finally paid it off after chatting with the customer support team. I really wanted to remove my old name from whatever system Dell had it stored in. Thank you.

Fantastic service, customized options, and in rapid time. Darwin was my associate and was very quick to get this moving and smoothly. Saved a few hundreds bucks doing it this way. I'd recommend this service.

Gary ** was INCREDIBLY helpful in lowering my debt and making my payments fit my needs. He took the time to negate my payments and lifted an extreme weight off my shoulders. I am going to be debt free within the next month and Gary ** is to thank!!!

Wonderful and smooth Customer service! Helped me and I am glad that I was able to use them to help pay off my debt. I’m done with this debt now and Midland Credit made it easy for me! Would highly recommend!

Great service! Understanding when something happens and the payment is a little late. They really work with you. The online chat is really nice too. I chatted with a Darwin ** and he was very patient with me having trouble navigating on my phone. This isn't your average collection company!

Worked with my situation. Resolved quickly. I used the chat feature and was able to reach an agreeable settlement swiftly. I would recommend the service again. They are flexible in your options if you're willing to explain your situation.

Here is the truth that most are lacking with this company. They take advantage of others. Look at your contract if it is a credit card most likely you'll have an arbitration agreement. Will it stop Midland from taking you to court. No. But you can file a motion to compel arbitration. Midland has harassed me in hopes that they would scare me into playing their little game. Midland plays dirty so as a consumer you need to play dirty back with them. I have court coming up with them and look forward to shutting them up. A big concern with Midland is they will not let you speak with the acting attorney on the case.

Honestly, it was the best experience paying debt I've ever had. He let me negotiate with him for over an hour and NEVER ONCE lost his patience and compassion with me. I left the call feeling accomplished and like I wasn't throwing pennies into a well anymore.

They helped me to settle my debt with a reasonable offer so I can get back on track for better credit health! They were prompt and understood what I was asking. They were very respectful and handled all my needs.

MCM has been great to work with when it comes to collections. They truly want to work with you, and they do their best to accommodate any situation you are having. They don’t hassle you like other collection agencies. It’s been a pleasure to work with MCM with my debt.

Wyatt helped me create a new plan hassle-free. Super quick and easy, never an issue to get information or make a payment. Wyatt’s great! My issue dealt with debt. I had two accounts which he was able to assist with both.

They use an Indian call center that intentionally uses fictitious names. Multiple times, the legal department in the US instructs them to and they won't give out any further information. They pay 2-3% of face value for the debt in forward flow agreements, none of these agreements contain you specifically, it's literally just a list of entries in a spreadsheet.

Loved the service and help I received from an agent, and it was all through their chat service. Very convenient and fast. Was able to settle my account in minutes. Thank you to Bruce ** for assisting in resolving my accounts.

Fast and friendly service, understanding, knowledgeable, trustworthy, they helped me with all my problems, I would recommend Midland credit management to all. I also like the way they handled my account through chat services.

Jessica was the one and only person that I have spoken to at your company that was empathetic and understood my situation. You need more representatives like her who are willing to help the people who you have bought in these debts from. Thank you, Jessica from the bottom of my heart, you are truly amazing and you deserve kudos for the whole Company to see.

Quickly offered a reasonable settlement to my debt. Payment was easy and the chat specialist (Victor K.) was very helpful. For as sour an issue as debt settlement can be, Victor made it a better than normal process.

I chatted with Charles ** today about my account. I have a very tight budget due to my health issues. I was expecting them to not work with me or be rude due to that, however, Charles was very nice. He took the time to listen and offered me a payment plan that I can afford. He was so understanding of my situation. Very happy with my experience.

I did my all of my request with easy way and the person who help me give me full help to solve what I want. I will refers them to my family and friends and the plans which they offered to me nice and good.

They were able to help me set up a payment plan that I can afford. The staff was very friendly and very informative, thank you so much! I would definitely recommend them in helping you solve your debt issues.

I used the online chat to get help with my debt. Jessica was beyond helpful and patient. I got everything resolved and she stayed with me to ensure everything went through okay. She also explained the process so I know what to expect.

Very helpful, very nice and very quick to respond, answered all my questions and made my stress go away quickly about my payment. Very sweet girl named Rachel **. Very great customer service. Thank you.

I received a letter from Midland about a debt. I didn't know what is was for. Rachel, an account manager via chat, worked with me to help resolve the issue. The details were explained to me and a plan was worked out to get the debt handled. I explained my situation and they came up with a plan that was completely within my ability to pay it. Not only that, my agent was respectful and kind and gave me options. I wish all debt consolidations were this easy to resolve. Thanks to the professional way my account was addressed, I'm one step closer to buying a house.

I am pleased to know that this company has "options" for their customers. I was able to choose an affordable plan & date! I feel so much better now as I begin to get my finances back on track. Thank you. :)

I came today with a lot on my mind and all was handled with care and respect. Rose ** went above and beyond in a timely manner concerning my needs. I am truly happy with the outcome! I have nothing negative to think about this company only positive! Thank you!

I was helped by Darwin. He was very understanding of the situation that I am in and did his best to work with me on coming up with a payment plan that works for me. He was very polite and very quick with his responses. I am very satisfied with his service.

Bruce ** was very helpful in the chat service today. I was able to successfully and easily change my payment method for both of my payment plans. I appreciate the option of using the online chat service and the help I receive with it.

Midland worked with me and offered me payment plan after not being able to keep up with my payments on a credit card and was sent to collections. They were always available and very helpful every time I had a question or concern.

I had a few accounts that needed attention and I could not have asked for a better place to help me with it. Money is tight these day but they understood and set me up on a payment plan that works for me. Thank you so much!

Rachel did an outstanding job understanding my request. She did well notating what information I was able to provide and said she would do everything she possibly could to my understanding from my end.

Rachel S. Was friendly, professional and helped me create a custom option that worked best for me. Her help gave me some peace of mind as most of these situations are headaches. Setting up payments that work for my financial situation would normally be painful if even possible but Rachel S. Made sure to help me get it taken care of.

"The service provided was exceptional, and the agent went above and beyond to be incredibly helpful. Their dedication to addressing all my needs and ensuring a smooth experience was truly impressive."

MCM's online payment service provided me with the correct links, and information which made my online payment experience swift, efficient, and secure. This service receives a 5 star rating! I will suggest the online payment service to anyone who might ask.

They were able to support lowering my monthly payments. Easy to work with and glad they were able to be flexible and support me on lowering my monthly payments, as these times are hard. Thank you again