Sued by Encore Capital Group? Learn the Next Steps and Get a Free Review
Encore Capital Group is the parent company of both LVNV Funding and Midland Credit Management, making it the largest debt buyer in the United States. Encore purchases billions of dollars of defaulted consumer debts annually and collects through its subsidiaries. The CFPB has taken enforcement action against Encore subsidiaries, and the company has been involved in class action lawsuits related to robo-signing, suing on time-barred debts, and other illegal practices.
Type
Debt Buyer
Common Debt Types
credit card, medical, personal loan, auto deficiency
Common FDCPA Violations by Encore Capital Group
Systematically suing on debts past the statute of limitations through subsidiaries
Using robo-signed affidavits to support lawsuits across multiple subsidiaries
Failing to properly verify debt ownership through the chain of title
Inflating debt amounts with unauthorized interest and fees after purchase
Violating consent orders entered with the CFPB regarding collection practices
Your Situation With Encore Capital Group
If Encore Capital Group Has Not Sued You Yet
You have more leverage. Act now — this is the best time to negotiate.
- Pre-suit negotiations typically get better settlements
- A timely written validation request may be available
- Statute of limitations may bar the debt entirely
If Encore Capital Group Has Already Filed a Lawsuit
Do not wait. The collector expects 70-80%, but we still push for less.
- You typically have a 30-day response deadline
- Missing the deadline can result in a default judgment
- Attorney negotiation still reduces the amount significantly
What the Free Review Covers
- Location and court status. Tell us your state, whether you have been sued, and every deadline shown on the papers.
- Account and document check. We identify the collector, account, current balance support, and communications you can provide.
- Scope decision. Eligible California matters may qualify for limited written creditor outreach through Lion Legal, P.C.
- Court boundary. StopCollectors does not prepare or file an Answer, appear in court, monitor a docket, or protect a deadline.
- Nationwide routing. An out-of-state or court matter may need self-help, legal aid, or an independent local lawyer. Any referral requires your permission and is not guaranteed.
Your Rights When Sued by Encore Capital Group
Right to demand proof they own the debt
Right to dispute the amount claimed
Right to raise statute of limitations defense
Right to damages for FDCPA violations
Sued by Encore Capital Group in Your State?
Frequently Asked Questions About Encore Capital Group
What is Encore Capital Group?
Encore Capital Group is the largest publicly traded debt buyer in the U.S. They own LVNV Funding LLC and Midland Credit Management. If you are sued by either, Encore is the parent company.
Has the CFPB taken action against Encore?
Yes. The CFPB has ordered Encore subsidiaries to pay millions in fines and restitution for illegal debt collection practices including suing without proper documentation and collecting on time-barred debts.
Can I sue Encore Capital Group?
You would typically sue the subsidiary that contacted you (LVNV Funding or Midland Credit Management), but in some cases the parent company may also be liable for directing illegal collection practices.
How does Encore get my debt?
Encore purchases portfolios of thousands of defaulted accounts from banks and credit card companies, usually for 3-5 cents per dollar. They then attempt to collect the full original balance plus interest and fees.
Reviewed by Ariella, Esq. This information is for educational purposes and does not constitute legal advice.
Get Your Free Encore Capital Group Case Review
We accept inquiries nationwide. Eligible California matters may qualify for limited creditor outreach; court work and out-of-state matters may need independent local counsel.