Dispute Encore Capital Group in Boston, MA
Boston residents being contacted by Encore Capital Group can fight back using FDCPA Section 1692g and Massachusetts consumer protection laws. Known violations include collecting debts past statute of limitations, threatening litigation they won't pursue, inaccurate credit reporting. Massachusetts Chapter 93A allows treble damages for willful/knowing violations — one of the strongest consumer protection laws.
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Encore owns Midland Credit — same playbook applies2
CFPB fined Encore $42M in 20153
Demand chain-of-title documentation