How to Stop Calls From 877-366-0169 (Midland Credit Management)
877-366-0169 belongs to Midland Credit Management, a debt collector that purchases old debts from major creditors. You can stop their calls by sending a cease and desist letter, verify any debt you don't recognize, or negotiate a settlement for less than you owe.
Respond to MCM877-366-0169 belongs to Midland Credit Management. This number calls when the debt collection agency believes you owe money.
Midland Credit Management can contact you by phone, email, letter, or in person. Their goal is to collect an outstanding balance they purchased from original creditors.
Stop Midland Credit Management's Calls and Settle Your Debt
Respond to MCM's collection attempts and negotiate a settlement for less than you owe. Our partner Solo makes it easy to communicate with collectors and reach affordable settlements online.
Settle With MCM NowThe Fair Debt Collection Practices Act (FDCPA) oversees debt collection practices. Debt collectors cannot harass, threaten, or deceive you about what you owe.
You have rights when dealing with Midland Credit Management. You can stop their calls, dispute the debt, or negotiate a settlement.
Our partner Solo helps you respond to Midland Credit Management and resolve your debt quickly.
What Is Midland Credit Management?
Midland Credit Management (MCM) has collected debts for over 50 years. The company was founded in 1953 and operates as one of the largest debt collectors.
Encore Capital Group owns Midland Credit Management. Encore buys charged-off debts from major creditors at steep discounts.
Bank of America, Capital One, and Discover commonly sell debts to MCM. The company then attempts to recover the full amount from consumers.
MCM typically asks consumers to agree to a payment plan. They may also offer settlement options to close accounts quickly.
Customer Complaints About Midland Credit Management
Many consumers report negative experiences with Midland Credit Management. Complaints focus on harassment, false claims, and poor documentation.
The Better Business Bureau shows 355 complaints resolved in the last three years. Last year alone, MCM resolved 137 consumer complaints.
The Consumer Financial Protection Bureau (CFPB) lists 2,083 complaints about MCM. Consumers report unprofessional behavior and questionable collection tactics.
One CFPB complaint states: “I disputed this account multiple times with Midland Credit Management. Despite my efforts, they continued reporting the alleged debt to credit bureaus.”
Many complaints involve collection attempts beyond the statute of limitations. Others report MCM contacting consumers about debts they never owed.
How to Stop 877-366-0169 Calls
You have legal rights to stop debt collector calls. The FDCPA protects you from harassment and unwanted contact.
Send a Written Cease and Desist Request
Send Midland Credit Management a written cease and desist letter. Once they receive your certified mail, they must stop all communication.
Your letter should clearly state that you want no further contact. Include your name, address, and account number if known.
After receiving your letter, MCM can only contact you to confirm receipt. They may also notify you of specific legal actions they plan to take.
Request Verbal Communication Stop
The FDCPA allows you to request that collectors stop calling you. You can make this request verbally during a phone call.
The debt collector must honor your request immediately. They may still send you written communications about the debt.
Register With the Do Not Call Registry
Add your number to the National Do Not Call Registry. Visit donotcall.gov or call 1-888-382-1222 to register.
Registration helps reduce unwanted calls from various companies. Debt collectors may still call about existing debts, however.
File Complaints With Federal Agencies
Report FDCPA violations to the Consumer Financial Protection Bureau. File complaints at consumerfinance.gov or call 855-411-2372.
You can also file with the Federal Trade Commission at ftccomplaintassistant.gov. Call their hotline at 1-877-382-4357 for assistance.
The Federal Communications Commission handles robocall violations. File complaints at consumercomplaints.fcc.gov or call 888-225-5322.
What to Do If You Owe the Debt
Contact Midland Credit Management directly if you acknowledge the debt. You can negotiate for better terms or a reduced amount.
MCM may accept a lump sum settlement for less than you owe. They might also offer a payment plan with reduced interest.
Get any agreement in writing before making payments. Confirm the settlement amount and payment terms in your contract.
Our partner Solo can help you negotiate a settlement with Midland Credit Management. The online platform makes settlement offers simple and trackable.
What to Do If You Don’t Owe the Debt
Request debt validation if you don’t recognize the debt. Send a debt validation letter within 30 days of first contact.
Midland Credit Management must provide proof of the debt. They should send documentation showing the original creditor and amount owed.
What MCM Must Verify
- Name and contact information of the original creditor
- Original amount owed and current balance
- Date of last payment on the account
- Proof they have the right to collect this specific debt
If MCM cannot verify the debt, they must stop collection efforts. They cannot report the debt to credit bureaus without verification.
Your Rights Under the Telephone Consumer Protection Act
The Telephone Consumer Protection Act (TCPA) protects you from automated calls. You can revoke consent for automated calls at any time.
Call 877-366-0169 to revoke your consent for robocalls. Document the date and time of your revocation request.
You can claim up to $1,500 per TCPA violation. Each unauthorized automated call after revocation counts as a separate violation.
How to Respond If Midland Credit Management Sues You
Midland Credit Management may file a lawsuit to collect the debt. You must respond within the deadline stated in your summons.
Ignoring a lawsuit leads to a default judgment against you. The court will automatically rule in favor of MCM.
File an Answer to the lawsuit within your state’s deadline. Most states require a response within 20-30 days of being served.
Our partner Solo helps you draft and file an Answer quickly. The platform asks simple questions and generates a legally valid response.
Steps to Take When You Receive Court Papers
Read the lawsuit carefully to understand what MCM claims you owe. Note the deadline to respond in your jurisdiction.
Gather any documentation related to the alleged debt. Look for proof of payment, account statements, or correspondence.
Identify potential defenses in your Answer. Common defenses include statute of limitations, lack of proof, or mistaken identity.
File your Answer with the court before the deadline expires. Send a copy to Midland Credit Management’s attorney as well.
Settlement Options With Midland Credit Management
MCM often settles debts for less than the full amount. They prefer guaranteed payment over lengthy court battles.
Settlement offers typically range from 40% to 70% of the balance. Your credit history and payment ability affect the offered amount.
Request a pay-for-delete agreement if possible. MCM would remove the negative item from your credit report after payment.
Get all settlement terms in writing before sending payment. Never provide bank account information over the phone.