DebtShield
PricingPro PlatformBlogCompare
Log inGet Started

Product

PricingPro PlatformBlog

Suite

DebtShieldDisputeAISubScrub

Features

Credit Card DisputesSubscription RecoveryZombie SubscriptionsBank Fee DisputesMedical Bill Disputes

Resources

How-To GuidesState LawsFAQCompare

Legal

Terms of ServicePrivacy PolicyBlog

From the Pointify Travel Technologies suite:

DisputeAI — Billing DisputesSubScrub — Cancel Subscriptions
DebtShield

© 2026 Pointify Travel Technologies LLC. All rights reserved.

The flagship debt recovery platform.

Florida/Encore Capital Group/Credit Card Debt

Dispute Encore Capital Group Credit Card Debt in Florida

Encore Capital Group is collecting credit card debt in Florida where the statute of limitations is 5 years. Average credit card debt: $5,221. Garnishment limit: Head of household exempt.

5 years

Statute of Limitations

$5,221

Average Credit Card Debt

Head of household ex

Garnishment Limit

Known 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 Strategies

  • Request debt validation under FDCPA § 1692g
  • Dispute billing errors under FCBA within 60 days
  • Check if debt exceeds statute of limitations
  • Negotiate settlement at 40-60% of balance
  • File CFPB complaint if collector violates FDCPA

Florida Protections

Florida Consumer Collection Practices Act. File complaints with: AG Consumer Protection.

  • • Head of household wages FULLY exempt from garnishment
  • • Unlimited homestead exemption
  • • State debt collection act applies to original creditors
Florida LawsEncore Capital GroupCredit Card Debt
Dispute Now — $9.99/mo