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New York
NYEncore Capital Group

Dispute Encore Capital Group in New York

Your New York rights against Encore Capital Group: SOL is 6 years for credit card debt. Garnishment capped at 10% of gross income or 25% of disposable.

6 years

New York credit card SOL

NY General Business Law § 601 + NYC Consumer Protection Law

State collection law

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

New York Dispute Tips vs 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

New York Protections

90% of wages exempt from garnishment
Strong city + state consumer protection
Debt collectors must be licensed

New York Debt Laws

All protections in New York

Encore Capital Group Overview

All violations & tips

Dispute Encore Capital Group in New York — $9.99/mo