Pepper v. Midland Credit Management Settlement
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Welcome to the Pepper v. Midland Credit Management Settlement Website

10/13/2014 UPDATE: All disputes have now been resolved and we anticipate all approved checks will be issued on or before October 24, 2014. Class Members eligible for a credit to their account have already received their credit.


If you received a telephone call from Midland Credit Management, Inc. ("MCM") during the period from July 13, 2006 through February 18, 2011 while you were in California, Florida, Maryland, Nevada, New Hampshire, Pennsylvania, or Washington, and were not told that the call may be monitored or recorded, your rights could be affected by a class action settlement A settlement has been proposed in a lawsuit called Daniel Pepper v. Midland Credit Management, Inc., et al., Case Number 37-2011-00088752-CU-BT-CTL, which is pending in the California Superior Court, County of San Diego

Who is Included? You are a Class Member if during the period from July 13, 2006 through February 18, 2011, you were in California, Florida, Maryland, Nevada, New Hampshire, Pennsylvania or Washington (the "Covered States"), received one or more telephone calls from and spoke with a representative of MCM, and were not informed at the beginning of each call that the call may be monitored or recorded.

What Is The Case About? This class action arose out of allegations that MCM monitored and/or recorded telephone calls that MCM made in an effort to collect debt without always giving notification at the beginning of the call that the call may be monitored or recorded. Defendants have denied and continue to deny any liability, and there has been no finding that Defendants have violated any laws.

Summary Of The Settlement: Under the Settlement, Class Members who submit valid and timely Claim Forms and are identified in MCM's records as owing money to MCM will receive debt forgiveness of up to one thousand dollars ($1,000) of the money owed by any such Class Member to MCM, with such debt forgiveness being applied first to any older obligations before being applied to any newer obligations. Defendants will also pay Four Million Five Hundred Thousand Dollars ($4,500,000) as cash consideration (together with the debt forgiveness, the "Common Fund"). After paying incentive award to the class representative (which will not be more than $50,000), certain administrative expenses (which will not be more than $1 million), and attorneys' fees and costs that the Court will be asked to approve (which will not be more than $3 million), the remainder of the cash consideration will be distributed pro-rata to the Class Members, up to a maximum of one thousand dollars ($1,000) each, who submit valid and timely Claim Forms and are not identified in MCM's records as owing money to MCM. Class Members who are identified in MCM's records as owing money to MCM will not receive any of the cash. Defendants may oppose Class Counsel's attorneys' fees request.

How Do I Make a Claim? Please click here to file a claim.

You may read the Class Notice here. You may also find other information by visiting the Frequently Asked Questions page and the Case Documents page located on this website.

Case Relevant Events Date
Filing Deadline May 28, 2013
Exclusion Deadline May 28, 2013
Intent to Object Deadline May 28, 2013
Objection Deadline July 25, 2013
Final Fairness and Approval Hearing August 23, 2013