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Midland Funding is a debt purchasing company that specializes in buying and collecting delinquent or charged-off consumer debt. They purchase accounts from original creditors and then attempt to collect on the debts from the consumers. The company is a subsidiary of Encore Capital Group, one of the largest debt buying companies in the United States. Midland Funding operates with the goal of helping consumers resolve their outstanding debts through a variety of payment options and settlement arrangements. They often work with consumers who have defaulted on credit cards, personal loans, and other types of unsecured debt. The company is known for its aggressive debt collection tactics and has faced legal scrutiny for its practices in the past.