Dispute Encore Capital Group in Wilmington, DE
Wilmington residents being contacted by Encore Capital Group can fight back using FDCPA Section 1692g and Delaware consumer protection laws. Known violations include collecting debts past statute of limitations, threatening litigation they won't pursue, inaccurate credit reporting. Many credit card companies are based in Delaware — the state's Consumer Fraud Act (6 Del. C. § 2513) applies to their practices.
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Encore owns Midland Credit — same playbook applies2
CFPB fined Encore $42M in 20153
Demand chain-of-title documentation