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FAQs
Answers to Your Frequently Asked Questions
Visit MidlandCredit.com

Atlantic Credit & Finance has partnered with Midland Credit Management to service its accounts. If there are any questions about your Atlantic Credit & Finance account, Midland Credit Management can help.

Payment Questions

How do I make a payment to Atlantic Credit & Finance?arrow

Midland Credit Management, Inc. (“MCM”) services accounts for Atlantic Credit & Finance and offers a variety of different payment options.

Make a Payment to MCM
Can I talk to someone before I make a payment?arrow

Absolutely. Midland Credit Management has representatives available Monday through Friday, 8am – Midnight ET, and Saturday & Sunday 8am – 7:30pm ET. Call MCM at (800) 296-2657 and we will answer all of your questions and discuss payment options.

Assistance & Verification Questions

I’m not sure this debt belongs to me. What should I do?arrow

To request verification, please follow the instructions that MCM included in its initial communication to you. You may also call Midland Credit Management at (800) 296-2657 if you have questions. If you have received a letter from Midland Credit Management that you believe is in error, please call MCM.

Can I get more information about this debt online?arrow

You can log in to your account online to view your current balance and review payment options. Please call MCM at (800) 296-2657 with any other questions.

My credit report says my account was “Charged-Off”. Do I still need to pay the debt?arrow

Yes, a “charged-off” account is an accounting designation from the original creditor. You are still responsible for the account balance.

Does Atlantic Credit & Finance Special Finance Unit, LLC or Special Finance Unit III, LLC own your Account?

Midland Credit Management is servicing your account. Log in to the MCM website to get your account history and details, plus flexible payment options – no account number needed.

Look Up Your Account

Accreditations

Atlantic Credit & Finance ensures the highest quality standards of quality and service.

R M A I Certified
Consumer Bill of Rights Revision 0 2 2 0 2 0 2 5

Midland Credit Management adheres to a strict Consumer Bill of Rights. Learn more about how Midland Credit Management’s commitment to consumers impacts you.

Read about MCM’s Privacy Policies

Call MCM Toll Free: (800) 296-2657

Or Write MCM at: P.O. Box 939069
San Diego, California 92193

© 2026 Atlantic Credit & Finance Special Finance Unit, LLC and Atlantic Credit & Finance Special Finance Unit III, LLC. All rights reserved.

Please understand that this is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.