Midland Recovery Services is a collection agency based in Shawnee Mission, Kansas. They specialize in collecting past-due and defaulted consumer debts. Debt collection involves attempting to collect money owed to a creditor or business. Collectors like Midland Recovery Services work on behalf of companies to try to recover funds that are in default or arrears.
Midland Recovery Services collects debts for a variety of industries and companies including telecom companies, utilities, banks and lenders, retailers, healthcare providers, government agencies, student loans, and auto lenders. In this article, we will provide an overview of the types of companies and industries that Midland Recovery Services collects for.
Telecom Companies
Midland Recovery Services collects for major telecom companies like AT&T, Verizon, T-Mobile, Sprint, and Comcast (source). As one of the largest collection agencies in the country, Midland has contracts with most of the major wireless carriers and internet/cable providers to recover unpaid bills and equipment charges from customers.
When a customer fails to pay their phone, internet, or cable bill, the telecom company will often turn the account over to Midland after 30-90 days of nonpayment. Midland then contacts the customer to collect on the past due amount. This allows the telecom companies to outsource payment collection and focus on their core business.
In addition to unpaid bills, Midland also collects for unreturned equipment fees when customers fail to return routers, cable boxes, or mobile phones at the end of a contract. The large telecom providers depend on companies like Midland to recover these assets and minimize write-offs from non-paying customers.
Utilities
Midland Recovery Services collects past due bills for major utility companies including electric, gas, and water utilities. According to MRS or Midland Recovery Services Reports & Reviews, Midland Recovery Services collects unpaid utility bills on behalf of providers across the United States. They work with regional and local utility companies to recover owed balances from residential and commercial customers.
Specifically, Midland Recovery Services collects for electric utilities, gas utilities, and water utilities. This includes major electricity providers that supply power to homes and businesses. It also includes natural gas companies that provide gas for heating, cooking, and other uses. Additionally, they collect unpaid water bills from public and private water utility companies.
In summary, Midland Recovery Services works with utilities across multiple sectors – electricity, gas, and water. They attempt to collect on behalf of utility companies when customers fail to pay their bills for these essential services.
Banks and Lenders
Midland Recovery Services collects on delinquent debts for major banks and lenders across a range of lending products including credit cards, personal loans, and mortgages. When borrowers fall behind on payments or default on these types of loans, the original lender will often sell the debt to Midland Recovery Services to attempt to collect what is owed.
For credit cards, Midland frequently purchases defaulted accounts from major issuers like Capital One, Citi, and Chase when customers fail to make minimum payments over an extended period. They will then attempt to recover the outstanding balance through collection calls and letters.
On personal loans, Midland may collect on installment loans, payday loans, and other unsecured personal debts that have gone into default. These debts are acquired from banks, credit unions, and online lenders when borrowers stop making payments.
For mortgages, Midland purchases delinquent home loans from lenders when homeowners fall significantly behind on payments. They work to get borrowers current on payments or pursue alternatives like short sales or deed-in-lieu arrangements.
Overall, Midland Recovery Services collects on a wide range of defaulted lending products on behalf of many of the largest banks and financial institutions. Their focus is recovering on delinquent credit card, personal loan, and mortgage debts purchased from original lenders.
Retailers
Midland Recovery Services collects on debt from a wide range of retailers, including major department stores, discount chains, and online retailers. According to their website, Midland works with creditors across many retail segments to help recover unpaid balances (https://midlandrs.com).
Some of the most common types of retail debt collected by Midland Recovery Services come from department stores like Macy’s, Kohl’s, and JCPenney. Customers who fall behind on credit card bills or miss payments on store financing plans may have their accounts sent to Midland for collections. The same goes for discount retailers like Walmart and Target if shoppers fail to pay off store credit cards or loans (https://www.reddit.com/r/debtfree/comments/15mwq6v/midland_recovery_services_is_this_a_scam/).
Online retailers are another major source of accounts for Midland. With the rise of e-commerce, more and more shoppers are taking out financing plans or store credit cards with companies like Amazon, Overstock, Wayfair, and others. Unpaid balances from these retailers often get sold to collection agencies like Midland to recover the bad debt (https://www.bbb.org/us/ks/shawnee-msn/profile/payday-loans/qc-holdings-inc-0714-10051504/complaints).
Healthcare Providers
Midland Recovery Services frequently collects past-due medical debt from healthcare providers like hospitals, clinics, doctor’s offices, and dentists. Many people struggle to pay high medical bills especially if they are uninsured or underinsured. According to complaints on the Better Business Bureau, Midland Recovery has pursued collections for a variety of medical debts including emergency room visits, surgical procedures, hospital stays, ambulance transportation, and more.
A report on Scampulse highlights that Midland Recovery Services regularly buys bundled medical debts from healthcare providers and then contacts patients to collect payment. The debts are often several years old. Patients claim they have received calls demanding payment for medical bills they were previously unaware of or thought had been paid off through insurance. There are concerns about errors and lack of itemization on medical bills collected by Midland Recovery Services.
Medical providers likely turn to companies like Midland Recovery because they are owed large amounts of money from unpaid patient bills. While the hospital or clinic received payment at the time of service, they sell the debt later when patients fail to pay the full amount due. Midland Recovery specializes in collecting these delinquent accounts even if patients struggle to afford the bills or dispute the validity of the debt.
Government
Midland Recovery Services collects for various government debts including unpaid taxes, fines, fees, and penalties at the federal, state, and local levels. According to complaints on the Better Business Bureau, Midland Recovery Services collects for government agencies like the IRS for unpaid income taxes and the Department of Education for defaulted student loans.
At the state level, Midland Recovery Services may attempt to collect for unpaid state income taxes, licensing fees, traffic tickets, tolls, and other fines and penalties. For example, in some states they collect unpaid tolls and fees for toll roads and bridges.
For local governments, Midland Recovery Services collects unpaid parking tickets, traffic camera tickets, library fines, garbage collection fees, and other municipal fines and fees. There are complaints indicating they collect for cities, towns, counties, and other local entities.
Student Loans
Midland Recovery Services collects on both federal and private student loans that have gone into default. According to customers on Reddit, Midland Recovery specifically collects on defaulted Federal Perkins Loans and Federal Family Education Loans (FFEL) [1]. For private student loans, Midland Recovery collects for lenders like Sallie Mae, Wells Fargo, Discover, and Citibank.
When federal student loans go into default, they are transferred to debt collectors like Midland to get the borrower to repay the loan or make payment arrangements. Midland will attempt to collect through phone calls, letters, reporting to credit bureaus, garnishing wages, etc. Borrowers have options like rehabilitation, consolidation, and repayment plans to get out of default.
For private student loans in default, Midland will use similar collection tactics to recover the debt. However, private student loans do not offer the same protections and flexible repayment options as federal loans. The lender can sue borrowers in default to try to collect the full amount owed.
Auto Lenders
Midland Recovery Services collects on behalf of various auto lenders for delinquent car loans, leases, and insurance payments. Many people have reported getting calls from Midland claiming they owe money for an old car loan or lease (Source). In some cases, the auto debt being collected on is many years old and the person no longer owns the vehicle or doesn’t recognize the lender. According to complaints, Midland will claim the full balance is due on a car loan even if the vehicle was repossessed years ago (Source). They are known to collect for subprime auto lenders who cater to borrowers with poor credit and charge high interest rates. If you receive a call from Midland about an old car loan or lease you don’t recognize, be sure to verify the debt before making any payments.
Conclusion
To summarize, Midland Recovery Services collects for many types of debt across various industries. Based on the research, their main areas of focus appear to be telecom, utility, bank and lending, retail, healthcare, government, student loans, and auto lending debts. They work on behalf of large companies and agencies to recover unpaid debts from individuals and businesses across these industries.