The Law Office of Tyler Hickle
4005C Banister Ln. Ste. 120C
Austin, TX 78704

Midland Funding LLC

Midland Funding LLC is an affiliate of Midland Credit Management. Midland Credit Management is a subsidiary of Encore Capital Group. Encore Capital Group primarily buys and collects charged-off credit card debt.

Midland Funding has been sued by the Attorney General of Texas for alleged violations of Texas debt collection laws. Although Midland did not admit fault, they did pay a $500,000 civil penalty and reimbursed $80,000 in attorney's fees to the state. Additionally, Midland Funding agreed to voluntarily improve the affidavits Midland routinely files in court.

In 2015, the Consumer Financial Protection Bureau imposed a penalty of $10 million against Midland Funding.

Midland Funding is a large, national debt buyer. It is an experienced and sophisticated entity. Consumers who represent themselves will find themselves up against law firms that have filed hundreds or thousands of similar lawsuits.

In order to win against Midland Funding, most people will need to hire a lawyer. A lawyer stands a much better chance of finding and exploiting the weakest part of Midland Funding's cases: the defective, incomplete, or simply wrong documentation upon which Midland's cases rest.

Midland Funding does not issue loans so any lawsuit is based on the records of another business entity. Many times, Midland Funding does not have all the documents they need or the documents do not prove what Midland is alleging.

Encore Capital Group is a publicly traded company. Its stock symbol is ECPG and the company is valued at $1 billion.


Encore Capital Group bought Asset Acceptance Capital Group in 2013.


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