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.

Utah
UTEncore Capital Group

Dispute Encore Capital Group in Utah

Your Utah rights against Encore Capital Group: SOL is 6 years for credit card debt. Garnishment capped at 25% of disposable earnings.

6 years

Utah credit card SOL

Utah Consumer Sales Practices Act

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

Utah 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

Utah Protections

$42,500 homestead exemption
Strong consumer protection enforcement

Utah Debt Laws

All protections in Utah

Encore Capital Group Overview

All violations & tips

Dispute Encore Capital Group in Utah — $9.99/mo