Dispute Encore Capital Group in Denver, CO
Denver 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 has a strong auto-renewal consumer protection law (C.R.S. § 6-1-732) with treble damages.
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Encore owns Midland Credit — same playbook applies2
CFPB fined Encore $42M in 20153
Demand chain-of-title documentation