Dispute Encore Capital Group in Aurora, CO
Aurora residents being contacted by Encore Capital Group can fight back using FDCPA Section 1692g and Colorado consumer protection laws. Known violations include collecting debts past statute of limitations, threatening litigation they won't pursue, inaccurate credit reporting. Colorado's Consumer Protection Act allows the AG to seek restitution and civil penalties up to $20,000 per violation.
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Encore owns Midland Credit — same playbook applies2
CFPB fined Encore $42M in 20153
Demand chain-of-title documentation