Midland Credit Management, Inc. (MCM) is a specialty finance company providing debt recovery solutions for consumers across a broad range of assets. MCM purchases portfolios of defaulted consumer receivables and manages them by partnering with consumers as they repay their obligations and work toward financial recovery. MCM is the market leader in portfolio purchasing and recovery in the United States. MCM leads the industry with consumer-centric practices that drive results. In 2011, MCM introduced the industry's first Consumer Bill of Rights, codifying its commitment to working with consumers through mutual engagement, understanding, collaboration, and respect. Ultimately, MCM helps consumers recover from financial difficulty and turn towards a path of economic empowerment.