Dispute Encore Capital Group in Billings, MT
Billings residents being contacted by Encore Capital Group can fight back using FDCPA Section 1692g and Montana consumer protection laws. Known violations include collecting debts past statute of limitations, threatening litigation they won't pursue, inaccurate credit reporting. Montana's Unfair Trade Practices Act (§ 30-14-103) provides broad consumer protections — file with AG at dojmt.gov.
1
Encore owns Midland Credit — same playbook applies2
CFPB fined Encore $42M in 20153
Demand chain-of-title documentation