Serviced By MCM at (800) 296-2657


Answers to Your Frequently
Asked Questions

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?

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

Can I talk to someone before I make a payment?

Assistance & Verification Questions

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

Can I get more information about this debt online?

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

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.


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

RMAI Certified