Atlantic Credit and Finance

Who is Atlantic Credit and Finance?

If you are one of our consumers, you probably know us as Atlantic Credit & Finance (or ACF). Atlantic Credit & Finance, a subsidiary of Encore Capital Group, works with consumers to resolve past due obligations. Atlantic Credit & Finance is committed to treating each person with integrity and honesty as they work to understand the consumer’s problem and find a workable solution.

Have you heard from ACF?

If you have heard from ACF, your obligation to a lender is now your obligation to Midland Funding LLC. Please visit us online or give us a call at (866) 397-4100 and we will be happy to assist you with any questions or concerns.

We strive to treat all of our consumers with the utmost respect and to comply with all applicable local, state, and federal laws. If you are not satisfied with the way we have treated you, the Chief Compliance Officer, Doris Hektor (RMA Certified Receivables Compliance Professional, number P1509-1140, September 2015), oversees a team to investigate these issues. You may contact this team through any of the options below:

-Send an Email Message

-Call: 866-397-4100

-Write to:
Attention: Chief Compliance Officer
P.O. Box 939069
San Diego, CA 92193

See Consumer Resources from RMA International.

Encore Capital Group is a Certified Professional Receivables Company (C1312-1009 (1)) and includes a family of companies: Atlantic Credit and Finance, Midland Funding, and Midland Credit Management.

Please understand that Atlantic Credit and Finance is a debt collector. Atlantic Credit and Finance’s communications with consumers are an attempt to collect a debt. Any information we obtain will be used for that purpose.

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