Business Details
12 Years
experience
Your Trusted Debt Collection Partner in San Diego
Atlantic Credit & Finance Special Finance Unit, LLC and Atlantic Credit & Finance Special Finance Unit III, LLC have been leaders in debt ownership since 2014. As wholly owned subsidiaries of Encore Capital Group, Inc., we operate globally across North America, Europe, Asia, and Latin America. Our mission focuses on ethical debt resolution through Midland Credit Management, Inc. (MCM), which has helped over 10 million consumers achieve financial recovery since 1953. MCM's approach emphasizes integrity, long-term solutions, and consumer rights through its strict Consumer Bill of Rights. We provide multiple account resolution options including online access, live chat, and direct phone support.Our team combines decades of industry experience with a commitment to transparent communication and privacy protection. Clients benefit from our global expertise while receiving personalized service tailored to their financial circumstances. We maintain rigorous quality standards for all debt management processes and customer interactions. Our operations adhere to all applicable legal and regulatory requirements for debt collection services. Clients can access account information 24/7 through MCM's secure online portal or contact trained representatives during business hours.
Services
Debt Collection Services
Account Management
Financial Recovery Options
Online Account Access
Customer Support
Details
- Year established: 2014
Highlights and features
- We have operated as debt owners since 2014
- Our parent company operates globally across four continents
- We prioritize consumer rights through our Bill of Rights
- We offer multiple resolution channels including online tools
- Our privacy policies protect client information
Services
Debt Collection Services
We specialize in acquiring and resolving past-due debts through ethical collection practices. Our team works with consumers to develop personalized repayment plans while maintaining strict compliance with all applicable regulations. Clients receive clear communication about their obligations and available resolution options.
Account Management
Midland Credit Management provides comprehensive account management through multiple access channels. Consumers can view account details, make payments, and communicate with representatives via secure online portal, phone, or live chat. Our system maintains accurate records of all account interactions.
Financial Recovery Options
We offer various debt resolution programs tailored to individual financial situations. Options include payment plans, settlement agreements, and hardship programs. Our representatives work with clients to identify the most appropriate solution based on their specific circumstances and financial capabilities.
Questions
What types of debts do you collect?
We collect various types of consumer debts including credit card accounts, personal loans, and other financial obligations.
What payment options are available?
MCM offers online payments, phone payments, and customized payment plans to help resolve accounts.
Are you licensed to collect debts?
Yes, we operate as licensed debt collectors and comply with all applicable state and federal regulations.
Can I negotiate my debt?
MCM representatives can discuss potential settlement options based on your specific financial situation.
How do I verify my debt?
You can request debt validation through MCM's website or by contacting their customer service representatives directly.
