Rapid City, SD residents: know your rights against Encore Capital Group. South Dakota residents: check your state's statute of limitations and wage garnishment protections before paying any debt collector.
Common Encore Capital Group Violations
Pursuing collection on disputed debts without pausing
Threatening legal action they don't intend to take
Failing to mark accounts as disputed on credit reports
Dispute Tips for Rapid City Residents
Encore owns Midland Credit — same tactics, same defenses apply
Send all disputes via certified mail with return receipt
File complaints with both CFPB and your state AG simultaneously