Midland Credit Management – Can they garnish your wages?

Paul J Paquin
2 min readJun 17, 2021

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Midland Funding can only garnish your wages if they issue you a summons to go to court, and you then skip the court date. So whatever you do, if MCM or a debt collection company sues you, don’t skip court. Collection agencies want you to skip court so that they can win a default judgment against you. Just by showing up at court, the judge could elect to dismiss your case.

By the time you finish reading this article, you’ll be fully equipped to resolve MCM debts and avoid wage garnishment.

Midland Funding and Midland Credit Management– Legit, Fraud, or Scam?

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Table of Contents: MCM Debt Collection

1. Who is Encore, Midland Funding, Midland Credit Management, Portfolio Recovery, and Cavalry Portfolio?

2. Can Midland Funding garnish my wages?

2.1. Is MCM on my side, or are they on the bank’s side?

3. Who owns Midland Funding and Portfolio Recovery?

4. Midland Credit Management Lawsuit Requires $60 Million in Refunds

4.1. How to get an MCM summons dismissed without a lawyer:

5. What was Midland Charged With?

6. Is Midland Credit Management (MCM) a Scam?

6.1. Is MCM an accredited debt collector?

7. How do I get rid of Midland Credit Management?

7.1. What is an Uncle Letter? (i.e., the letter illustrating the collection agency’s agreement to stop collection on a debt)

8. Why is MCM or Midland Credit Management on my credit report?

9. Dispute Midland Funding and Midland Credit Management Debts:

10. How to invalidate an MCM collection account

10.1. Example of how debt validation disputed an MCM Account:

11. How to Use Debt Validation to Deal with Midland Credit Management Accounts

12. How to Dispute a Small Midland Credit Collection Account

13. Debt Collection Laws for Third-Party Collection Agencies

14. Fair Debt Collection Practices Act (FDCPA)

15. Fair Credit Report Act (FCRA)

16. Fair and Accurate Credit Transactions Act of 2003

17. Fair Credit Billing Act (FCBA)

18. Telephone Consumer Protection Act (TCPA)

19. Service Members Civil Relief Act (SCRA)

20. Truth in Lending Act

21. Credit Card Act of 2009

22. How to report debt collection fraud and scams?

23. Validation Programs Request Proof That Collection Agencies:

24. How to get Midland Funding and Credit Management Accounts Removed from Your Credit Report

25. Do Midland Funding L.L.C. and Midland Credit Management Accounts Qualify for a Debt Validation Program?

26. Total Debt Requirements to qualify for debt relief options

27. Should I settle with Midland Funding?

28. How to Settle a Midland Credit Management Debt on Your Own

29. How much money Midland Credit Management makes of your debt

30. Why do consumers see Midland Funding on their credit reports?

31. Does Midland Credit Management offer debt repayment plans?

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Paul J Paquin
Paul J Paquin

Written by Paul J Paquin

CEO at Golden Financial Services — where you can find a program and become debt free in under 36 months.

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