Debt collection takes on many forms, ranging from servicing accounts on behalf of the original creditor to having the delinquent account sold to a new creditor and servicing that sold account. In the case of Midland Funding, we buy delinquent accounts and become the new creditor. Midland Funding partners with MCM to service these accounts. If you have received a letter from MCM stating that Midland Funding is your current creditor, this means a creditor you had an account with has closed your account and sold it to us. MCM is servicing your account and to get started you can use MCM’s account lookup tool to review what flexible options are available for resolving your debt.