Privacy Notice and State Disclosures

Have questions? Call us at the phone number at the bottom of the page.

Midland Credit Management, Inc., Midland Funding LLC, MRC Receivables Corporation, Midland Funding NCC-2 Corporation, and Asset Acceptance LLC (also referenced below as we, our, and us) are delivering this Privacy Notice to you to generally describe the nonpublic personal and financial information we gather about you, and our privacy practices relating to such information and how those practices relate to the protection, use and disclosure of your nonpublic personal information (your “Customer Information”). Please carefully read this Privacy Notice.

What Information Do We Collect?

Information we receive from you on applications or other forms. This information may include:

Your name
Address
Social Security Number
Telephone number
Other relevant information that you provide

Information we receive about your account transactions with us, our affiliates, or others including the original creditor. This may include information such as:

Account balance
Payment history
Account activity

Information we receive from consumer reporting agencies (such as credit scores and history) and other information relating to your creditworthiness

How do We Use Your Information?

We do not use Customer Information we have obtained about you for any purpose other than to service or manage your account(s) in the ordinary course of our business.

We do not share Customer Information we have obtained about you with affiliates or non-affiliated third parties except to the extent necessary to aid us in servicing or managing your account(s) in the ordinary course of our business, such as:

to companies to whom we may assign your account for servicing;
to companies that provide mailing services to us; and
to service providers that help us administer our database containing your account.

Information Security:

We restrict access to Customer Information about you to those employees or service providers who need to know that information to service your account(s). We maintain physical, electronic and procedural safeguards that comply with applicable laws and regulations to guard your Customer Information. Whenever we hire third parties to provide support services in order to help us service or manage your account(s), we will require them to conform to our privacy standards and to allow us to audit them for compliance. Such third parties and their employees receiving Customer Information we have obtained about you are required to limit their use of your Customer Information to the particular purpose for which it is shared and they are not allowed to share it with others except to fulfill that limited purpose.

Vermont and California Residents:

We will not disclose your Consumer Information to affiliates or non-affiliated third parties except as provided above, in compliance with the requirements of Vermont and California law.

Calls to and/or from this company may be monitored or recorded.

For questions, write to Privacy Notice, 350 Camino De La Reina, Suite 100, San Diego, CA 92108.

Other important information

State Disclosures

IF YOU LIVE IN CALIFORNIA, THIS APPLIES TO YOU:

The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.

Nonprofit credit counseling services may be available in the area.

As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit-reporting agency if you fail to fulfill the terms of your credit obligations.

California Debt Collection License #10644-99.

IF YOU LIVE IN COLORADO, THIS APPLIES TO YOU:

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/

A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt.

Midland Credit Management has a Colorado office with the following address and telephone number: Colorado Manager, Inc., 8690 Wolff Court, Suite 110, Westminster, CO 80031. Telephone number: (303) 920-4763.

Only physical in-person payments may be accepted at this office location. Payments made via mail for Internal Legal accounts should be sent to 350 Camino De La Reina, Suite 100, San Diego, CA 92108. All other payments made via mail should be sent to the following address: 320 E Big Beaver Rd., Suite 300, Troy, MI 48083

IF YOU LIVE IN MARYLAND, THIS APPLIES TO YOU:

NMLS IDs: 934164, 944394, 1103335, 950424, 1517025, 1397172, 944390, and 1387283. NMLS Consumer Access Website

IF YOU LIVE IN MASSACHUSETTS, THIS APPLIES TO YOU:

NOTICE OF IMPORTANT RIGHTS: You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten (10) days unless you provide written confirmation of the request postmarked or delivered within seven (7) days of such request. You may terminate this request by writing to Midland Credit Management, Inc.

IF YOU LIVE IN MINNESOTA, THIS APPLIES TO YOU:

This collection agency is licensed by the Minnesota Dept. of Commerce.

IF YOU LIVE IN NEVADA, THIS APPLIES TO YOU:

The certificate identification number of MCM’s Compliance Manager is CM11659 and the NMLS ID of MCM’s Compliance Manager is 2352584.

IF YOU LIVE IN NEW YORK CITY, THIS APPLIES TO YOU:

To best serve your needs, if you have a language preference, please call us at 800-296-2657. A translation and description of commonly-used debt collection terms is available in multiple languages at www.nyc.gov/dca. We offer account servicing in both English and Spanish and all letters are available in both of these languages. New York City Department of Consumer Affairs License Number 1140603, 1207829, 1207820, 1227728, 2022587, 2023151, 2023152, 2027429, 2027430, 2027431, 2058507

IF YOU LIVE IN NORTH CAROLINA, THIS APPLIES TO YOU:

North Carolina Department of Insurance Permit #119505601, #119500908, #119506854, #119502738, #119506372, #119500436, #119500840, #119505741. Midland Credit Management, Inc. 350 Camino De La Reina, Suite 100, San Diego, CA 92108

IF YOU LIVE IN SOUTH CAROLINA, THIS APPLIES TO YOU:

Supervised Lender License No: SLW1 – 934164 and No: SLW3 – 934164. You may also download a copy of “Consumer Loans: Your Rights and Responsibilities”, issued by the South Carolina Department of Consumer Affairs, for midlandcredit.com and mcmpay.com.

IF YOU LIVE IN SOUTH DAKOTA, THIS APPLIES TO YOU:

For any issues with this account, please contact the South Dakota Division of Banking: South Dakota Division of Banking 1714 Lincoln Ave., Suite 2 Pierre, SD 57501 (605) 773-3421.

IF YOU LIVE IN TENNESSEE, THIS APPLIES TO YOU:

This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.

Testimonials

What People Are Saying

We help consumers resolve past-due debts. Hear what some of our consumers say about their experience working with MCM.

He took the time to, not only tell me about the detail of the account, but he actually listened when I said that I needed to ask a more poignant question.

– J. B.–

Very accommodating, very compassionate and understanding. [The representative I spoke with] listened to me and tried to help me as best as possible and I really appreciate it. He had outstanding customer service.

– K. F.–

Excellent customer service, very thorough and very patient with making sure that I understood the answer to my question.

– V. M.–

I don't think I would change anything. My call was answered in a timely manner and the representative was very courteous and he looked into my problem, he spoke to me very nice and I really appreciate that.

– T. S.–

The representative really seemed to listen, he was also proactive in his suggestions or solutions.

– J. L.–

She was very professional, very nice, listened to my problem and solved it.

– S. B.–

Knowledgeable and willing to go above and beyond to help me.

– W. S.–

They were willing to help me as quickly as possible, and assured me that it would be done and taken care of.

– L. R.–

Very helpful, organized and attentive.

– D. B.–

Watch Our Testimonials Video

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