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Number identified · Midland Credit Management

Why is 800-296-2657 calling me?

800-296-2657 is registered to Midland Credit Management, and they're calling to collect a debt.

Here's what they are and aren't allowed to do — and how to make the calls stop for good.

Send a cease & desist — $30Log this call — free

No subscription. You only pay when a letter goes out.

MI

Midland Credit Management

Third-party debt collector

Phone number
(800) 296-2657
1
Caller name
Midland Credit Management (MCM)
2
Based in
San Diego, CA
3
Governed by
FDCPA · 15 U.S.C. § 1692
4
Your options
A cease & desist legally stops contact once they receive it
5

About Midland Credit Management

800-296-2657 is a number used by Midland Credit Management (also known as MCM), a debt collection agency. If they're calling you, they believe you owe a debt — either one they bought, or one they're collecting for someone else.

Also written 800-296-2657, (800) 296-2657, 800.296.2657, 800 296 2657, 8002962657, 18002962657.

First: what time did they call?

Before 8:00 a.m. or after 9:00 p.m. your local time is a violation.

Not a grey area — 15 U.S.C. § 1692c(a)(1) prohibits it outright, and every off-hours call is a separate violation. The FDCPA lets consumers recover statutory damages plus attorney's fees, so the time on your call log matters.

How to stop calls from 800-296-2657

  1. Write down what happened. Date, time, what was said. The timeline is what turns a nuisance into a documented pattern.
  2. Send a cease & desist. Once a collector receives written notice to stop contacting you, § 1692c(c) requires them to stop — with narrow exceptions.
  3. Or dispute the debt. Within 30 days of first contact, a written dispute forces them to stop collecting until they produce verification (§ 1692g).
  4. Keep every violation. Off-hours calls, threats, calls to your employer or family — each one is evidence.

Stop the calls

Or let us send the cease & desist for you.

Once Midland Credit Management receives written notice to stop contacting you, § 1692c(c) requires them to stop. We draft it against your file, print it, and send it certified with tracking — so you have proof of the date they received it.

  • Drafted from your logged contacts
  • Printed and mailed certified, with tracking
  • Delivery date filed to your evidence vault
  • You approve the wording before it goes
Send a cease & desist — $30

One-time, no subscription. Logging calls is free — you only pay when a letter goes out.

Where to write to Midland Credit Management

Midland Credit Management

P.O. Box 939069

San Diego, CA, 92193

www.midlandcredit.com

A cease & desist only counts once they receive it, which is why these go by certified mail with tracking.

Is 800-296-2657 a scam?

Midland Credit Management is a real collection agency, so a call from this number is most likely genuine. That doesn't mean the debt is yours, or that the amount is right. Either way, a legitimate collector must identify itself, and must send written validation of the debt within five days of first contacting you (§ 1692g(a)). If they won't put it in writing, treat that as the answer.

Never pay to make calls stop before you've seen validation in writing. Paying can restart the statute of limitations on a debt that was already too old to enforce.

This is general information, not advice

Collector Audit is not a law firm and this page is not legal advice. Directory details can go out of date — confirm before relying on an address. See our full disclaimer.