About
Midland Credit Management, a wholly owned subsidiary of Encore Capital Group, Inc., is a consumer debt collection and account servicing company based in Houston, Texas. Founded in 1982, the company works with banks, credit card issuers, and other lenders to recover past-due consumer accounts. Midland Credit Management purchases portfolios of charged-off receivables and services accounts on behalf of credit originators. The company offers structured repayment options, multiple payment channels, and clear account information to help consumers resolve balances. Operations emphasize regulatory compliance and data-driven account management, with trained representatives and documented processes aligned to applicable federal and state requirements. Midland Credit Management supports creditor clients with portfolio evaluation, recovery strategies, and detailed reporting, and can coordinate legal collection activity where appropriate. As part of Encore Capital Group, the company leverages scale, analytics, and industry experience to manage large volumes of accounts while maintaining consistent standards across its network. Its Houston location serves consumers and creditor clients throughout the region.