Midland Credit Management phone numbers: which one to call
Midland Credit Management publishes four main phone lines, and which one you need depends on whether you want to pay, dispute or complain. Here is each number, taken from Midland's own website, with what it is for and when it is open.
Which state do you live in?
Time limits on debt and some collection rules depend on your state.
Key takeaways
- The main line is (800) 296-2657. Account managers are available Monday through Sunday, 8 a.m. to midnight Eastern time[1][2].
- Disputes, verification and bankruptcy go to Consumer Support Services on (800) 825-8131, ext. 32980. Consumer Support Services is open Monday through Friday, 8 a.m. to 7:30 p.m. Eastern time[1].
- Complaints go to the Consumer Resolution Center on (877) 420-0039.[2][3]
- A dispute is strongest in writing, sent before the deadline on your validation notice.
Every Midland phone number
| Line | Number | What it is for |
|---|---|---|
| Main line: account managers | (800) 296‑2657[4] | Payments, payment plans, hardship, account and credit reporting questions. Spanish spoken. |
| Payment options | (877) 653‑5193[5] | Listed on Midland's payment options page for talking through ways to pay. |
| Consumer Support Services | (800) 825‑8131, ext. 32980[1] | Disputes, verifying a debt, accounts you say were paid before, and bankruptcy. |
| Consumer Resolution Center | (877) 420‑0039[2][3] | Concerns and complaints, under the Office of the Chief Compliance Officer. |
Its site says "Tambien hablamos español" next to the main number[4]. It also offers live chat with account managers "during most business hours"[1]. Midland is owned by Encore Capital Group; Encore's corporate lines are not for account questions.
Opening hours
- Main line and payment options: Account managers are available Monday through Sunday, 8 a.m. to midnight Eastern time[1][2].
- Consumer Support Services: Consumer Support Services is open Monday through Friday, 8 a.m. to 7:30 p.m. Eastern time[1].
Midland's FAQ sends questions about disputes, verifying a debt, accounts paid before and bankruptcy to Consumer Support Services[1]. If you are disputing, call there or, better, write: a written dispute inside the validation period makes Midland stop collecting until it sends verification.[6][7]
Where to write instead
Midland's address for written disputes is Midland Credit Management, Inc., Attn: Consumer Support Services, 320 E Big Beaver Rd, Suite 300, Troy, MI 48083.[8] Its general mailing address is Midland Credit Management, Inc., P.O. Box 939069, San Diego, CA 92193.[2][4] Use the address on your own notice if it is different, and keep proof of mailing.
Our full Midland guide explains who Midland is, why it bought your account, and what to put in a dispute.
Before you call Midland
Have the letter in front of you and note the reference number, the amount and the name of the creditor it shows. Then keep the call short:
- Ask, don't agree. Ask who the creditor is, what the balance is made of and where to send a dispute. You do not have to confirm the debt is yours, agree to pay or give card or bank details on the call.
- Ask for it in writing. A collector must send you a validation notice with the amount, the creditor and the date by which you can dispute.[9] If you have not had one, ask for it to be mailed.
- Write down the call. Date, time, the name of the person and what was said.
A dispute is strongest in writing, sent before the deadline on the notice. Our free deadline calculator works out that date.
How often Midland can call
A collector is presumed to break the law if it calls you about a debt more than seven times in seven days, or within seven days after a phone conversation with you about that debt.[10][11] It must not call before 8 a.m. or after 9 p.m. your time, and if another time or place, such as work, is inconvenient, you can say so.[12][13]
You can also tell Midland to stop calling and contact you only by mail. Put it in writing and keep a copy.[13]
If a number is not on this list
Scammers copy real collectors' names and can make any number appear on caller ID.[14] If a caller pressures you to pay today, threatens arrest, or asks for a gift card, wire transfer or crypto payment, hang up.[14][15]
Call Midland back on a number from this page, taken from its own website, and ask whether the account is real. Our free scam checker compares a voicemail or text with the numbers and web addresses collectors publish.
Common questions
What is Midland Credit Management's phone number?
The main number is (800) 296-2657, open Monday through Sunday, 8 a.m. to midnight Eastern time. Spanish is spoken on the same line.
What number do I call to dispute a Midland debt?
Midland's FAQ sends disputes to Consumer Support Services at (800) 825-8131, ext. 32980, Monday through Friday, 8 a.m. to 7:30 p.m. Eastern. A written dispute sent before your deadline is stronger.
How do I complain to Midland?
Call its Consumer Resolution Center on (877) 420-0039. You can also send a complaint to the CFPB.
Is 800-296-2657 really Midland?
Yes. It is the main number on Midland Credit Management's own website. But caller ID can be faked, so if unsure, hang up and call that number yourself.
Can Midland call me every day?
A collector is presumed to break the law if it calls about a debt more than seven times in seven days. You can also ask Midland in writing to stop calling.
References
- Midland Credit Management: frequently asked questions. Midland Credit Management.
- Midland Credit Management: contact and customer service. Midland Credit Management.
- Midland Credit Management: Consumer Resolution Center (Office of the Chief Compliance Officer). Midland Credit Management.
- Midland Credit Management: home page. Midland Credit Management.
- Midland Credit Management: payment options. Midland Credit Management.
- 12 CFR 1006.38: Disputes and requests for original-creditor information. Consumer Financial Protection Bureau.
- FDIC Consumer Compliance Examination Manual, VII-3 Fair Debt Collection Practices Act. FDIC.
- Midland Credit Management: important disclosures (text-message landing page). Midland Credit Management.
- 15 U.S.C. 1692g, validation of debts. Legal Information Institute, Cornell Law School.
- When and how often can a debt collector call me on the phone?. Consumer Financial Protection Bureau.
- 12 CFR 1006.14, harassing, oppressive, or abusive conduct. Electronic Code of Federal Regulations.
- 15 U.S.C. 1692c, communication in connection with debt collection. Legal Information Institute, Cornell Law School.
- 12 CFR 1006.6, communications in connection with debt collection. Electronic Code of Federal Regulations.
- Fake and abusive debt collectors. Federal Trade Commission.
- How do I tell if a debt collector is legitimate or a scam?. Consumer Financial Protection Bureau.
Every legal point on this page links to its source. Last checked October 5, 2026. Spotted an error? Email [email protected], and see our change history. This guide is general information, not legal advice.