Dispute Encore Capital Group in New York, NY
New York residents being contacted by Encore Capital Group can fight back using FDCPA Section 1692g and New York consumer protection laws. Known violations include collecting debts past statute of limitations, threatening litigation they won't pursue, inaccurate credit reporting. NYC has its own Department of Consumer and Worker Protection (DCWP) — file complaints at nyc.gov/consumers.
1
Encore owns Midland Credit — same playbook applies2
CFPB fined Encore $42M in 20153
Demand chain-of-title documentation