Dispute Encore Capital Group in San Diego, CA
San Diego residents being contacted by Encore Capital Group can fight back using FDCPA Section 1692g and California consumer protection laws. Known violations include collecting debts past statute of limitations, threatening litigation they won't pursue, inaccurate credit reporting. California's auto-renewal law (Cal. Bus. & Prof. Code § 17600) is one of the strongest in the nation.
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Encore owns Midland Credit — same playbook applies2
CFPB fined Encore $42M in 20153
Demand chain-of-title documentation