Harassed By Encore Capital Group, Inc (Midland Credit Management)? Learn How To Make It Stop.

by Benjamin Tarshish on September 17, 2018

Who is Encore Capital/Midland? Is This A Scam?

Encore Capital Group, Inc, also known as Midland Credit Management or Midland Funding, is the largest publicly traded debt buyer in the United States. The company does business in fifteen countries worldwide. Midland Credit Management (which is now a subsidiary of Encore Capital Group) was founded over sixty years ago, in 1953. Though originally founded in Kansas, the collections agency is now based in San Diego, California. Additionally, they have offices in several states throughout the US, including one location in St. Cloud, Minnesota. In 2013, Encore Capital Group purchased another debt buying company which was known as Asset Acceptance.

Encore Capital/Midland has received many consumer complaints claiming Fair Debt Collection Practices Act (FDCPA) violations. Some consumer reviews have accused Encore/Midland of making false statements or representations in pursuit of debt collection. Other examples of alleged violations include attempting to collect a debt not owed, threatening to contact an employer and sharing information improperly, and improper communication tactics.

Nonetheless, Encore Capital/Midland is not a scam and they are in fact an authorized debt collection agency. Major banks, retailer businesses, and telecom companies all use Encore/Midland as a debt collector. Encore Capital/Midland purchases packages of debt from these companies, and then tries to collect the debt from customers. If Encore Capital/Midland Credit Management has contacted you, it is important that you learn your rights and how best to protect yourself before offering any response.

What Are Common Complaints Against Encore Capital/Midland?

As of August 2018, the Consumer Financial Protection Bureau (CFPB) has received over 10,000 complaints related to the debt collection practices of Encore Capital/Midland. Examples of common complaints against Encore/Midland include trying to collect a debt not owed and improper communication tactics.

The following two real-world examples of complaints against Encore Capital/Midland illustrate these types of alleged violations.

Consumer alleges Encore Capital/Midland uses improper communication tactics
“On XX/XX/2018 they contacted my former employer where I have not worked in over a year and they keep calling them even after they tell them I no longer work there…”
 
Consumer alleges attempts to collect a debt not owed
“Midland Funding is reporting an account settled with creditor and the creditor removed from my credit report. The last payment is over the 7 year required for removal on my credit reports.”

What Actions Can Encore Capital/Midland Legally Take Against Me? Can They Sue Me Or Garnish My Wages?

As a debt collector, Encore Capital/Midland is not legally allowed to threaten to sue you, or threaten to garnish your wages. They are allowed to contact you via phone, text, or mail. However Encore/Midland cannot call you at inappropriate times including before 8 a.m. and after 9 p.m.

Though they are not allowed to threaten lawsuit or wage garnishment, if you do not pay a valid debt owed to them, Encore Capital/Midland may legally sue you in a court. If they get a default judgement against you in court, the judgement will state the amount you owe and allow them to garnish your wages for that amount. If you owe a debt to Encore/Midland Credit Management and are concerned with the possibility that they might garnish your wages, it would be wise to speak to an attorney before it gets to this point. Our attorneys have assisted countless consumers in fighting back against debt collector harassment and protecting themselves against wage garnishment. Contact us now to see if we can help you as well!

Please call 952-361-5556 now or fill out our Free Case Evaluation Form and one of our attorneys handling Debt Collector Harassment can evaluate your case. If we agree to handle your case, our attorney fees will be FREE to you and will be paid for by Encore Capital Group, Inc.

What Should I Do If Encore Capital/Midland Contacts Me? How Do I Stop Encore/Midland From Harassing Me?

The first step is to determine if Encore Capital/Midland is in violation of your rights. Please refer to the following list:
  • Encore Capital Group, Inc/Midland Credit Management is contacting you about about a debt which is not yours, or a debt amount which is more than you owe
  • Encore Capital/Midland is unable to prove that the debt is owed by you
  • Encore Capital/Midland is not authorized by the original creditor to collect the debt
  • Encore Capital/Midland is making automated robocalls to your phone in order to collect
  • Encore Capital/Midland is using inappropriate language, or trying to intimidate you.
  • Encore Capital/Midland is accusing you of criminal behavior, or threatening to arrest you.
  • Encore Capital/Midland is threatening you with negative credit reporting, lawsuit, or violence
  • Encore Capital/Midland is calling you at work, or calling your friends, coworkers, and neighbors
  • Encore Capital/Midland is calling you before 8 a.m. or after 9 p.m.
  • Encore Capital/Midland is calling you many times per week

If any of the above applies to your situation, our attorneys can help! Tarshish Cody PLC represents consumers experiencing harassment from debt collectors like Encore Capital Group, Inc, and our attorneys are experienced in protecting your legal rights. If Encore/Midland is in violation of the FDCPA, we can not only make the debt collection calls stop, but our attorneys can sue Encore Capital and recover up to $1,000 in statutory damages for your FDCPA claim. Furthermore, Encore/Midland would be required to pay your attorney fees and court costs.

Please call 952-361-5556 now or fill out our Free Case Evaluation Form and one of our attorneys handling Debt Collector Harassment can evaluate your case at no charge to you.

Is Your Law Firm Able To Assist Me In Filing A No Fee Lawsuit Against Encore Capital/Midland?

If you are being harassed by Encore/Midland, we can help! The attorneys at Tarshish Cody PLC have filed many lawsuits against debt collectors like Encore Capital who are in violation of the FDCPA. In total, our clients have been awarded hundreds of thousands of dollars via these lawsuits.

What Do Our Clients Say?

“[Tarshish Cody PLC] helped us win a settlement from an aggressive debt collection company. [The law firm] was very professional and explained the process and the plan of action. We really didn’t have to do anything. Settlement was reached in a short amount of time. We recommend [Tarshish Cody PLC] to anyone seeking settlement from a debt collection company.”

“[Tarshish Cody PLC] won my case for me against the collection agency that was garnishing my wages. I was really stressed out & embarrassed about my situation, but [Tarshish Cody PLC] successfully sued [the collection agency] & they backed down; we settled out of court, they paid me my damage reward & stopped all garnishments. [Tarshish Cody PLC] went above & beyond for me & when I needed a competent professional who could deliver & be trusted, [Tarshish Cody PLC] was the law firm I needed.”

Can You Help Me Remove An Encore Capital/Midland Account from My Credit Report?

Yes we are able to assist with this. Contact us now to learn more.

Encore Capital Group, Inc Contact Info

Encore Capital Group, Inc.

P.O. Box 939069
San Diego, CA 92193
Phone: (877) 445-4581

Encore Capital/Midland Telephone Numbers

In trying to reach customers, Encore/Midland calls from a multitude of phone numbers. Here is list of phone numbers from which consumers have reported getting calls from Encore/Midland, pertaining to debt collection:

8009014461
8009014506
8665445501
8668026985
8887147202
8008258131
8008246191
8008372458
8778229054
8885817441
8882756399
6053393310
8007483513
8668979080
8002202018
8669419695
8883270001
8002658825
8669277380
8668026986
8669023451
8006686163
8452462654
9054743535

How We Can Help

  • Stop The Harassment: All debt collection calls stop once you’ve retained Tarshish Cody, PLC.
  • Get up to $1,000: We can Sue and Recover up to $1,000 in statutory damages for your FDCPA claim
  • 100% Free Legal Assistance: Harassing Debt Collectors must pay our fees in FDCPA claims.

Tarshish Cody PLC represents consumers experiencing harassment from debt collectors like Encore Capital/Midland Funding and our attorneys are experienced in protecting your legal rights. Our law firm understands how difficult it is for consumers who fall behind on bills, when pressured by harassment that is illegal and needs to cease. Dealing with harassment is a positive step in the process of managing your late payments or debt. Our attorneys can discuss remedies such as debt consolidation, short sales, bankruptcy, and more, but most importantly, we can get the harassment to stop.

Please call 952-361-5556 now or fill out our Free Case Evaluation Form and one of our attorneys handling Debt Collector Harassment can evaluate your case.

Lawyer Adam Strauss | Featured Attorney Consumer Protection

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