Midland Collection Agency (”MCA”) is one of the United States’ largest collection agencies. Also known as Midland Credit Management, Midland Collection Agency has its headquarters in San Diego, California, and offices in Phoenix, Arizona, and St. Cloud, Minnesota.

Because MCA maintains such a large share of the debt collection industry, it is able to purchase delinquent debt for ridiculously reduced rates. This comes about when creditors are unable to collect money owed to them by their debtors and, subsequently, decide to sell the delinquent debt. When MCA purchases this delinquent debt, it will then go to work to try to collect the outstanding debt. Letters, phone calls, or possibly even legal action may be attempted by MCA collectors.