Average auto loan debt: $23,792. Auto loans are secured debt — the lender can repossess. However, deficiency balances after repossession can be disputed, especially if the sale wasn't commercially reasonable.
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
Auto Loan Debt Dispute Strategies
1
Challenge deficiency balance after repossession
2
Verify the sale was commercially reasonable (UCC requirement)
3
Dispute if proper repossession notice wasn't given
4
Check for state-specific redemption rights
5
Validate any collection attempts under FDCPA
Tips Against Encore Capital Group
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