Is midland credit management legit - Oct 1, 2018 ... Is Midland Credit Management legit? Lemberg Law•298 views · 1:01 · Go to ... Can Midland Credit Management sue me or garnish wages? Lemberg Law ....

 
Midland Credit Management is one of the largest US-based collection agents. Midland Credit Management. 8875 Aero Dr #200 San Diego, CA 92123 (800) 825-8131. Midland Credit Management employs 2,200 to 3,000 in San Diego, Phoenix, St Cloud, MN, India, and Costa Rica. More than half of its employees quit or are fired every year.. Best restaurants in north conway

Midland Credit Management Inc. 350 Camino de la Reina Ste 100 San Diego, CA 92108-3007 ... and understand that the nature of complaints and a firm's responses to them are often more important than ...How to respond to a Midland Credit Management lawsuit. If Midland Credit Management sues you, filing a written Answer is the first step to responding. Here are 6 helpful tips for drafting an Answer: 1. The Answer isn't the place to tell your side of the story in detail: At this stage in the suit, the burden of proof is not on you.Midland Credit Management. P.O. Box 939069. San Diego, California 92193. NMLS ID: 934164. Encore Capital Group is a Certified Professional Receivables Company (C1312-1009 (3)) and includes a family of companies: Atlantic Credit and Finance, Midland Funding, and Midland Credit Management. Terms and Conditions;Jan 5, 2023 ... Midland Funding is a company that purchases consumer debts in bulk at a steep discount. After Midland Funding purchases a debt, it begins the ...Midland Credit Management, Inc. and Midland Funding, LLC are facing a proposed class action over allegedly unlawful debt collection practices. The case alleges that the plaintiff received a collection letter stating “ [i]f this account goes to an attorney, our flexible payment options may no longer be available to you.”.Additional Information for Midland Credit Management, Inc. View full profile. Location of This Business 7091 Orchard Lake Rd Ste 270, West Bloomfield, MI 48322-3667. HeadquartersWhile it’s true that Midland Credit Management has faced allegations of unethical behavior, the company has also been in business for over 60 years and has collected billions of dollars in delinquent debt over that time. This suggests that Midland Credit Management is a legitimate entity that has earned the trust of many creditors over the years.In today’s fast-paced world, it is more important than ever to stay on top of your financial well-being. One crucial aspect of this is managing your credit health effectively. One ...Feb 2, 2021 ... ... legit and legal debt. If its a very small amount you may not need a lawyer but if its a larger debt best to have a lawyer handle it. All ...When you get a call from 800-314-2173, you'll be speaking with one of our account managers. They will talk with you to understand what may have prevented you from resolving this debt, and help you find a realistic solution. At MCM, we value our consumers and are sensitive to the financial hardships that may have led to your current situation.To get your free credit report authorized by law, go to AnnualCreditReport.com or call (877) 322-8228. Keep in mind that not all debt collectors and creditors provide information to the credit reporting companies. If the debt is not on your credit report, that does not necessarily mean the debt is not valid. Understand your rightsMidland Credit Management Inc. 4405 E Cotton Center Blvd Ste 130 Phoenix, AZ 85040-8860. Midland Credit Management, Inc. 4 East Rolling Crossroads Suites #307 Baltimore, MD 21228. MCM.Midland Credit Management is committed to maintaining the highest standards of honesty and respect. To demonstrate our commitment to conducting business ethically we have developed the industry’s first Consumer Bill of Rights. In all that we do, we strive to treat consumers with respect and integrity. We are committed to engaging in …Cons. "most who stay longer than a year or two are either broken or vindictive Awful management " (in 20 reviews) " Less Salary but good incentives" (in 18 reviews) "Day to day depends on if you have a good or bad manager." (in 12 reviews) " Low pay ($15), micro managing, wanted you to do so much with no incentives."MCM offers flexible payment options that fit your unique needs. Get more information about your account in our secure, online payment portal. Log in to get started on your path to financial recovery. If you still have questions, our friendly Account Managers are available at 800-296-2657 Monday through Friday, 8am – Midnight ET, and Saturday ...Apr 13, 2023 ... 104 Likes, 22 Comments. TikTok video from Debt Dad (@debtdad): “Who is patriot funding? Is patriot funding legit? #greenscreen #getoutofdebt ...Established in 1953, Midland Funding is one of the oldest and largest debt buyers. It purchases portfolios of delinquent accounts from creditors for a percentage of the debt value, then pursues repayment of those debts. It’s owned by Encore Capital Group, one of the few publicly traded debt-buying companies in America and one of the largest ...... debt collectors Encore Capital Group, Midland Credit Management, and Asset Acceptance Corporation, Complaints and Lawsuits. Enhanced Acquisitions, LLC ...2021: Midland Credit Management v Client in the 57th District Court in Allegan County.Midland Credit sued our client in District Court on a Synchrony Bank debt in a lawsuit totaling over $5,000.Midland Credit was represented by its own company law firm. We counter sued and negotiated a package with the law firm that got all $5,000 …Midland Credit Management helps consumers find the payment option that fits your unique financial situation. By working directly with Midland Credit Management (MCM), you can regain control over your debt quickly and efficiently. MCM understands your payment options need to be manageable, whatever your financial situation.Welcome to r/scams. This is an educational subreddit focused on scams. It is our hope to be a wealth of knowledge for people wanting to educate themselves, find support, and discover ways to help a friend or loved one who may be a victim of a scam. Please read the rules and our wiki pages on common scams and posting guidelines BEFORE posting.Midland Credit Management. P.O. Box 939069. San Diego, California 92193. NMLS ID: 934164. Encore Capital Group is a Certified Professional Receivables Company (C1312-1009 (3)) and includes a family of companies: Atlantic Credit and Finance, Midland Funding, and Midland Credit Management. Terms and Conditions;Dec 29, 2021 · Unfortunately, Midland Credit Management is not a scam. It is a legitimate company that has over one thousand account managers around the globe. The company has been in operation since 1953 and it is a subsidiary of Encore Capital Group. What Type of Debt Does Midland Credit Management Collect On? Midland Credit Management purchases old debt ... 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 ...Midland Credit Management, Inc. (MCM or Midland Funding LLC) is a subsidiary of Encore Capital Group of San Diego, California. MCM services accounts for Midland …Firstly, Midland Credit Management is not accredited by the BBB. At the time of writing, Midland Credit Management has 349 complaints in the last 3 years, and they are involved in a legal suit with the Consumer Financial Protection Bureau. Some complaints filed against Midland Credit Management include:1. It protects you from being sued: Midland cannot sue you if you dispute the debt in your Debt Validation Letter. They must first provide validation of the debt. 2. It puts the burden of proof on Midland: Once you dispute the debt, Midland must prove that you actually owe the debt. This is not an easy task, and often times they cannot provide ... Headquarters. 350 Camino de la Reina Ste 100, San Diego, CA 92108-3007. BBB File Opened: 3/24/2021. Years in Business: 71. Business Started: 2/1/1953. Business Incorporated: Mar 22, 2023 · Midland Credit Management is a debt collection company that purchases debts from various lenders and offers flexible payment plans to help consumers resolve their debts. You can contact them by phone or online to learn more about their services, policies, and rights. They are legit and have a Consumer Bill of Rights to protect your privacy and security. Midland FTC Roundtable Comments - The following is a direct quote from materials submitted to the FTC in 2009 "Statute of Limitations A statute of limitations, which provides a deadline for the commencement of litigation, is defined is various ways across many states, with distinctions based on the nature of a contract, availability of supporting …Apr 13, 2023 ... 104 Likes, 22 Comments. TikTok video from Debt Dad (@debtdad): “Who is patriot funding? Is patriot funding legit? #greenscreen #getoutofdebt ...While you can’t apply for Midland Credit Management’s services, its program is helpful if you’re unable to pay past debts or are struggling to meet minimum payment requirements. Visit its website or refer to the information the company sent you for more details. See moreIn today’s fast-paced digital world, convenience and efficiency are key. This is especially true when it comes to managing your financial responsibilities, such as paying your cred... View customer reviews of Midland Credit Management, Inc.. Leave a review and share your experience with the BBB and Midland Credit Management, Inc.. Apr 13, 2023 ... 104 Likes, 22 Comments. TikTok video from Debt Dad (@debtdad): “Who is patriot funding? Is patriot funding legit? #greenscreen #getoutofdebt ...Midland Credit Management Inc. 4405 E Cotton Center Blvd Ste 130 Phoenix, AZ 85040-8860. Midland Credit Management, Inc. 4 East Rolling Crossroads Suites #307 Baltimore, MD 21228. MCM.May 22, 2000 · Headquarters. 350 Camino de la Reina Ste 100, San Diego, CA 92108-3007. BBB File Opened: 7/12/2005. Years in Business: 71. Business Started: 2/1/1953. Business Started Locally: Follow the instructions on the reverse of your validation notice. You may also call Midland Credit Management at (877) 653-4161 if you have questions. If you have received a letter from Midland Credit Management that you believe is in error, please call MCM. Can I get more information about this debt online?Midland Credit Management is a legitimate debt collection agency located in San Diego, California. Midland Funding, LLC, which buys unpaid debts from smaller companies for profit, owns the debt collection agency. According to the Better Business Bureau (BBB), Midland Credit Management was founded in 1953 and incorporated in …MCM is a subsidiary of Encore Capital Group, which is a public company traded on the NASDAQ stock exchange as ECPG. For over 65 years, MCM has focused on driving breakthrough results for consumers and investors. MCM helps consumers take control of their financial future. We understand that having debt is difficult.Midland Funding, LLC, also known as Midland Credit Management, is a debt collection company. They buy past-due accounts from other lenders and try to collect the money that’s owed. Midland Funding is not accredited by the Better Business Bureau, but the company works with Midland Credit Management (MCM), which has been accredited by the BBB ...Midland, like most other debt buying companies, is very aggressive in bringing lawsuits against consumers, but these lawsuits are very defensible. Contact information: Web: www.midlandfunding.com. Address: 8875 Aero Drive, Suite 200, San Diego CA 92123-2255. Phone: 800-825-8131.In this Opinion Outpost review, you will learn that it is an online survey site where you answer surveys for cash. Learn the truth about it. Part-Time Money® Make extra money in yo...In the U.S., there are an estimated 33.2 million small businesses. For many of them, dealing with income challenges, handling unexpected costs, or accessing enough funds to seize u...The Midland Credit Management class action lawsuit settlement is open to all Class Members within the U.S. who were called on a cell phone by Midland or their subsidiaries, affiliates or related companies (other than Asset …The assurance of discontinuance, filed in Suffolk Superior Court, with Encore Capital Group, Inc., and its subsidiaries, Atlantic Credit and Finance, Inc., Midland Funding, LLC., and Midland Credit Management, Inc., alleges that the companies were collecting on debts without sufficient proof that the debts were valid and accurate, using ...In a proposed class action out of New York federal court, a consumer alleges that Midland Credit Management, Inc. (MCM) and Midland Funding, LLC falsely suggested he may lose the option to settle his Capital One Bank debt absent timely payment. The case’s timeline begins in November 2018, when the plaintiff received a letter that supposedly ...January 5th, 2021. Midland Credit Management, Inc is a third-party debt collection company operating out of Troy and Warren (Asset Acceptance) that buys old debt from Home Depot, Lowes, Synchrony Bank, Pay Pal, Citibank, Fifth Third Bank and other credit cards and then sues Michigan consumers through its own law firm in Troy Michigan.Jun 30, 2020 ... Even so, these threats may be considered false, deceptive, or unfair under federal law. Midland Credit Management, Midland Funding, or other ...Midland Credit Management is committed to maintaining the highest standards of honesty and respect. To demonstrate our commitment to conducting business ethically we have developed the industry’s first Consumer Bill of Rights. In all that we do, we strive to treat consumers with respect and integrity. We are committed to engaging in …We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage/loan, investigating unknown information on your report and much more. 159K Members. 58 Online. Top 1% Rank by size. r/CRedit.2. Reach out to your state’s attorney general. Your attorney general’s office is on the alert for scammers and aims to put a halt to fraud such as debt collector scams. Most have a toll-free ...Midland Credit Management. P.O. Box 939069. San Diego, California 92193. NMLS ID: 934164. Encore Capital Group is a Certified Professional Receivables Company (C1312-1009 (3)) and includes a family of companies: Atlantic Credit and Finance, Midland Funding, and Midland Credit Management. Terms and Conditions;In today’s fast-paced digital world, convenience and efficiency are key. This is especially true when it comes to managing your financial responsibilities, such as paying your cred...Midland Credit Management has been empowering consumers for more than 65 years. 7,000,000+ We’ve helped more than 7,000,000 people regain their financial independence. Nationwide Support. Our team helps consumers in all 50 states get back to doing what they love. See Your Offers. Headquarters. 350 Camino de la Reina Ste 100, San Diego, CA 92108-3007. BBB File Opened: 3/24/2021. Years in Business: 71. Business Started: 2/1/1953. Business Incorporated: Midland Credit Management, Inc. and Midland Funding, LLC are facing a proposed class action over allegedly unlawful debt collection practices. The case alleges that the plaintiff received a collection letter stating “ [i]f this account goes to an attorney, our flexible payment options may no longer be available to you.”.2. Reach out to your state’s attorney general. Your attorney general’s office is on the alert for scammers and aims to put a halt to fraud such as debt collector scams. Most have a toll-free ... Encore Capital Group is a Certified Professional Receivables Company (C1312-1009 (3)) and includes a family of companies: Atlantic Credit and Finance, Midland Funding, and Midland Credit Management. *Please understand that this is a communication from a debt collector. Midland Credit Management Inc. ... BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does ... Confirm your payment. You’re on your way to financial freedom! Payments as low as $25. Get started. We have helped over 7,000,000+ people. We have helped over 7,000,000+ people take control of their financial future since 1953.MIDLAND-CREDIT-MANAGEMENT Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported Your Search: midland-credit-management. There may be more specific results for "midland-credit-management" For more specific results for "midland-credit-management" Showing 1-25 of ...Midland Credit Management (rebranded from Asset Acceptance) has 357 reviews (average rating 1.0). Consumers say: Mosreported info on credit file which is identity, This company sucks ... They scam and ruin good people's lives everyday. This company will get their day when they meet God almighty cause what they are doing is terrible and illegal ...Posted by u/MightyMaddie - 4 votes and 3 commentsOn October 15, 2020, the Consumer Financial Protection Bureau (Bureau) filed a proposed stipulated final judgment and order to settle its lawsuit against Encore Capital Group, …When you get a call from 800-251-3164, you'll be speaking with one of our account managers. They will talk with you to understand what may have prevented you from resolving this debt, and help you find a realistic solution. At MCM, we value our consumers and are sensitive to the financial hardships that may have led to your current situation.Midland Credit Management. P.O. Box 939069. San Diego, California 92193. NMLS ID: 934164. Encore Capital Group is a Certified Professional Receivables Company (C1312-1009 (3)) and includes a family of companies: Atlantic Credit and Finance, Midland Funding, and Midland Credit Management. Terms and Conditions;Midland Credit Management is an American debt buyer and debt collection company headquartered in San Diego, California, and has offices throughout the United States as well as in India and Costa Rica. [1] It is a wholly owned subsidiary of Encore Capital Group ( Nasdaq : ECPG ). [2] It is one of the largest debt collectors in the United States.Is Midland Credit Management legit or a scam? Midland Credit Management is not fake or a scam. They are a legitimate business, however, their persistent calls might feel overwhelming. Addressing any unverified debts is one way to manage this. Why does Midland Credit Management keep calling me? Midland Credit …Midland Credit Management Inc. 4405 E Cotton Center Blvd Ste 130 Phoenix, AZ 85040-8860. Midland Credit Management, Inc. 4 East Rolling Crossroads Suites #307 Baltimore, MD 21228. MCM.Midland Credit Management Inc Contact Details. Midland Credit Management Inc was a debt buyer that purchases large amounts of defaulted debt to try to collect more than they paid. They are no longer conducting business. Their last known information is: Midland Credit Management Inc. ADDY.Midland Funding, Midland Credit Management and their parent company, Encore Capital, are no more or less privileged than other CAs. They expect you - the consumer - to be naive. Educate yourself and fight the good fight armed with facts that you can use to defend yourself (and your credit rating). And before it is mentioned, you abolutely can ...Firstly, Midland Credit Management is not accredited by the BBB. At the time of writing, Midland Credit Management has 349 complaints in the last 3 years, and they are involved in a legal suit with the Consumer Financial Protection Bureau. Some complaints filed against Midland Credit Management include:Midland Credit Management’s Chief Compliance Officer is Addison Crawford (RMAi Certified Receivables Professional, number P1908-1325, August 2019). Visit our …Yes, Midland Funding, LLC is a legitimate company. In fact, they’re one of the largest debt buyers in America. ... Midland Credit Management, Inc. Correspondence Information. Phone: (877) 653-5193. P.O. Box 939069. San Diego, California 92193. Payment Information. Phone: (877)420-0039.When you get a call from 800-290-4014, you'll be speaking with one of our account managers. They will talk with you to understand what may have prevented you from resolving this debt, and help you find a realistic solution. At MCM, we value our consumers and are sensitive to the financial hardships that may have led to your current situation.Known Addresses for Midland Credit Management Inc and Affiliates Midland Credit Management, Inc. (MCM) 8875 Aero Drive, Suite 200 San Diego, CA 92123 877-240-2377 Encore Capital Group 3111 Camino Del Rio North, Suite 1300 San Diego, CA 92108 Propel Financial Services 7990 IH-10 West, Suite 200 San Antonio, Texas 78230 800-407-1254 …When you get a call from 800-251-3164, you'll be speaking with one of our account managers. They will talk with you to understand what may have prevented you from resolving this debt, and help you find a realistic solution. At MCM, we value our consumers and are sensitive to the financial hardships that may have led to your current situation.Sep 9, 2015 · Encore Capital Group, Inc. is headquartered in San Diego, Calif. Its subsidiaries also named in today’s action are Midland Funding LLC, Midland Credit Management, and Asset Acceptance Capital Corp. Together, they form the nation’s largest debt buyer and collector. Access the headquarters listing for Midland Credit Management Inc. The Complaints and Customer Reviews shown on this profile include all complaints and reviews submitted about either the business ... Sep 20, 2022 ... Midland Funding, based in California, is one of the largest debt buyers and debt collection entities in the country. Midland regularly purchased ... Midland Credit Management, Inc has 23 locations, ... BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate ... Dec 15, 2014 ... 1:01 · Go to channel. Is Midland Credit Management legit? Lemberg Law•292 views · 3:31 · Go to channel. Do Not Sign A Tolling Agreement From&n...Midland Credit Management is an American debt buyer and debt collection company headquartered in San Diego, California, and has offices throughout the United States as well as in India and Costa Rica. [1] It is a wholly owned subsidiary of Encore Capital Group ( Nasdaq : ECPG ). [2] It is one of the largest debt collectors in the United States. Access the headquarters listing for Midland Credit Management Inc. The Complaints and Customer Reviews shown on this profile include all complaints and reviews submitted about either the business ... Midland Credit Management communicates with consumers through many means including text messaging. If you receive a text message from 312-224-1639 referring you to mcmtext.com, it is because we may be trying to contact you regarding your account. Note that we are unable to receive calls at 312-224-1639. Please chat with us or call 800 … Midland Credit Management, Inc has 23 locations, ... BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate ... January 5th, 2021. Midland Credit Management, Inc is a third-party debt collection company operating out of Troy and Warren (Asset Acceptance) that buys old debt from Home Depot, Lowes, Synchrony Bank, Pay Pal, Citibank, Fifth Third Bank and other credit cards and then sues Michigan consumers through its own law firm in Troy Michigan.Survey Junkie is an online survey site that rewards you with points redeemable for free cash or gift cards. But, is Survey Junkie legit? Survey Junkie is a popular online paid surv... Access the headquarters listing for Midland Credit Management Inc. The Complaints and Customer Reviews shown on this profile include all complaints and reviews submitted about either the business ... Feb 8, 2024 · Midland Funding LLC is a legitimate debt collection agency that collects different types of debt but focuses on consumer debts like credit card bills and personal loans. If they contact you, you need to validate that the debt is true and accurate, and if it is, you need to take action and respond to Midland as soon as possible.

Midland Credit Management. P.O. Box 939069. San Diego, California 92193. NMLS ID: 934164. Encore Capital Group is a Certified Professional Receivables Company (C1312-1009 (3)) and includes a family of companies: Atlantic Credit and Finance, Midland Funding, and Midland Credit Management. Terms and Conditions;. Best dui lawyer near me

is midland credit management legit

Feb 8, 2024 · Midland Funding LLC is a legitimate debt collection agency that collects different types of debt but focuses on consumer debts like credit card bills and personal loans. If they contact you, you need to validate that the debt is true and accurate, and if it is, you need to take action and respond to Midland as soon as possible. Jan 5, 2023 ... Midland Funding is a company that purchases consumer debts in bulk at a steep discount. After Midland Funding purchases a debt, it begins the ...Midland Credit Management (MCM) is dedicated to helping consumers resolve their past-due debts. Our credit reporting policy is designed to help those who resolve their accounts with us. Per MCM policy, if an account is paid in full or settled in full after we begin credit reporting, we will request a deletion of our tradeline after the …2021: Midland Credit Management v Client in the 57th District Court in Allegan County.Midland Credit sued our client in District Court on a Synchrony Bank debt in a lawsuit totaling over $5,000.Midland Credit was represented by its own company law firm. We counter sued and negotiated a package with the law firm that got all $5,000 …And based on our dealings with Midland Credit Management, they will sue. Assuming you have access to some funds, the best option is to try and negotiate a lump sum settlement for less than full balance. If you don't have access to funds, then the next best option is to work out a monthly payment plan you can afford.Midland Credit Management Inc. 4405 E Cotton Center Blvd Ste 130 Phoenix, AZ 85040-8860. Midland Credit Management, Inc. 4 East Rolling Crossroads Suites #307 Baltimore, MD 21228. MCM.Midland Credit Management Inc. 4405 E Cotton Center Blvd Ste 130 Phoenix, AZ 85040-8860. Midland Credit Management, Inc. 4 East Rolling Crossroads Suites #307 Baltimore, MD 21228. MCM.Apr 29, 2014 ... 1:01 · Go to channel · Is Midland Credit Management legit? Lemberg Law•272 views · 1:01 · Go to channel · Can Midland Credit Man...Midland Credit Management is committed to maintaining the highest standards of honesty and respect. To demonstrate our commitment to conducting business ethically we have developed the industry’s first Consumer Bill of Rights. In all that we do, we strive to treat consumers with respect and integrity. We are committed to engaging in …May 22, 2000 · 350 Camino de la Reina Ste 100, San Diego, CA 92108-3007. BBB File Opened: 3/16/2009. Business Started: 2/1/1953. Business Incorporated: 5/22/2000. Licensing Information: This business is in an ... May 22, 2000 · 350 Camino de la Reina Ste 100, San Diego, CA 92108-3007. BBB File Opened: 3/16/2009. Business Started: 2/1/1953. Business Incorporated: 5/22/2000. Licensing Information: This business is in an ... ... debt collectors Encore Capital Group, Midland Credit Management, and Asset Acceptance Corporation, Complaints and Lawsuits. Enhanced Acquisitions, LLC ...In today’s digital age, credit card apps have become an essential tool for managing your finances. With the increasing popularity of credit cards, it is important to know how to us...Midland Credit Management. P.O. Box 939069. San Diego, California 92193. NMLS ID: 934164. Encore Capital Group is a Certified Professional Receivables Company (C1312-1009 (3)) and includes a family of companies: Atlantic Credit and Finance, Midland Funding, and Midland Credit Management. Terms and Conditions;Demand written communication only. Dealing with MCM over the phone isn’t advisable. …In this Opinion Outpost review, you will learn that it is an online survey site where you answer surveys for cash. Learn the truth about it. Part-Time Money® Make extra money in yo... Midland Credit Management is a legitimate debt collection agency that has been in business for over 65 years. It is headquartered in San Diego, California and employs over 1,800 people worldwide. The company has an annual revenue of $334.5 million. Midland Credit Management is a subsidiary of Encore Capital Group, a publicly traded company that ... Sep 9, 2015 ... Its subsidiaries also named in today's action are Midland Funding LLC, Midland Credit Management, and Asset Acceptance Capital Corp..

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