If you’ve been getting constant calls or messages from Encore Capital Group about a debt, you probably know how stressful that can feel. The ringing never seems to stop, and each call leaves you feeling pressured or confused. But you’re not powerless. You have rights that protect you from unfair or repeated collection calls.
At The Wood Law LLC, we help people who believe debt collectors have gone too far. Our team listens, reviews your situation, and guides you on how to stop the harassment, verify the debt, and understand your options for possible compensation. If you think Encore Capital Group is harassing you, call +1 844-638-1122 for free advice today.
Who Is Encore Capital Group
Encore Capital Group is one of the largest debt collection and debt-buying companies in the country. They often purchase charged-off debts from banks, lenders, and credit card companies. Once they buy the debt, they or their subsidiaries try to collect on it.
While not every call from Encore Capital Group is harassment, many consumers report being contacted repeatedly or treated unfairly. Some people even receive calls about debts they’ve already paid, or that don’t belong to them. If you’re in that position, you have every right to ask questions and seek help.
How Encore Capital Group Might Be Harassing You
Debt collection harassment can show up in many ways. Some collectors call several times a day, even after you’ve asked them to stop. Others use threatening language, exaggerate what will happen if you don’t pay, or call your workplace and family members.
If Encore Capital Group keeps calling you after you’ve requested that they stop, that may be a sign of harassment. You might also notice that they call at strange hours, send confusing letters, or fail to verify your debt when you ask. If any of this sounds familiar, it’s important to act fast and protect yourself.
For more information about unfair debt collection practices and how to handle them, visit our page on the Fair Debt Collection Practices Act (FDCPA).
What You Can Do to Stop the Calls
If Encore Capital Group won’t stop calling, you have a few strong options. First, ask them to send you written proof of the debt. They’re supposed to show who the original creditor was, how much you owe, and that they have the right to collect it. If they don’t or can’t, you may not have to pay.
Next, if the calls are overwhelming, you can send a written notice asking them to stop contacting you. Once they receive your letter, they may only contact you again to confirm they’ll stop or to notify you of specific legal action. Sending this letter puts you in control and creates a record of your request.
If they keep calling even after that, talk to a lawyer right away. At The Wood Law LLC, we can handle communication for you so you don’t have to pick up another stressful call.
How Laws Protect You from Debt Harassment
Federal laws like the FDCPA and the Telephone Consumer Protection Act (TCPA) exist to protect people from unfair collection practices. Under these laws, collectors may not call you at unreasonable hours, lie to you about what will happen if you don’t pay, or discuss your debt with other people.
The TCPA also protects you from robocalls and pre-recorded messages sent without your consent. If Encore Capital Group uses automated dialers or voicemail drops to reach you, that might violate your privacy rights. You can read more about how these laws work by visiting our pages on the FDCPA and TCPA.
You may also want to learn about the Fair Credit Reporting Act (FCRA), which ensures collectors report accurate information to credit bureaus.
Why Debt Validation Matters
One of the biggest mistakes people make is paying a debt before confirming it’s legitimate. If Encore Capital Group contacts you, always ask them to validate the debt. This process helps you confirm whether the debt is really yours, whether the amount is correct, and whether it’s too old to collect.
Sometimes collectors buy debts that are already “time-barred,” meaning they’re past the legal limit for collection. If that’s the case, you may not have to pay at all, and you can stop the harassment with help from an attorney.
When to Report Encore Capital Group
If you believe Encore Capital Group has crossed the line, you can report them to the Consumer Financial Protection Bureau (CFPB). The CFPB allows you to file complaints online and review others’ experiences with the same company. This helps regulators track patterns of abuse and take action when needed.
You can also file a complaint with your state attorney general’s office or the Federal Trade Commission (FTC). However, reporting the company doesn’t always stop the calls or get you compensated. That’s where working with The Wood Law LLC comes in — we can take it further by building a strong case for you.
What The Wood Law LLC Can Do for You
At The Wood Law LLC, we’ve helped many people stand up to debt collectors like Encore Capital Group. We start by listening to your story, reviewing your call logs or letters, and identifying any signs of harassment or violations.
If you contact us at +1 844-638-1122, we’ll walk you through exactly what to do next. Depending on your case, we may send a formal cease-and-desist letter, report Encore Capital Group to federal regulators, or file a compensation claim. Our goal is simple: to stop the calls, protect your rights, and restore your peace of mind.
You can also learn more about our consumer protection services on our Practice Areas page or see Why Clients Choose Us.
How Fast Legal Action Can Help
The longer you wait, the harder it becomes to gather evidence and prove harassment. Acting quickly helps you preserve records and strengthen your case. Many clients tell us they waited months hoping the calls would stop, only to see them increase.
Once you involve an attorney, most collectors take the situation seriously. As soon as they know you’re represented by a lawyer, they’re required to communicate through us, not you. That means fewer interruptions, less stress, and more protection from future contact.
If you’ve also been contacted by other collectors, you might find our guides useful:
Each one explains how our firm handles different debt collection companies using a proven process to stop the harassment and fight for your rights.
Frequently Asked Questions
What counts as harassment by Encore Capital Group?
Harassment may include repeated calls, rude or threatening language, or calls made at unreasonable hours. If you feel scared or pressured, that may qualify as harassment.
Can I sue Encore Capital Group for harassment?
Yes, if their actions go beyond what the law allows. You may be entitled to compensation for emotional distress, phone call violations, or inaccurate reporting.
How can I make Encore Capital Group stop calling me?
You can send a written cease-and-desist letter or let your attorney handle communications for you. Once represented, they must contact your lawyer instead.
What if Encore Capital Group calls about someone else’s debt?
You should not have to deal with calls about debts that aren’t yours. Ask them to remove your number and document every call.
Can I report Encore Capital Group to the CFPB?
Yes, you can report them directly through the CFPB website. If you’d like help filing or need advice before reporting, our team can assist.
Will this affect my credit report?
Debt collection activity can appear on your credit report. However, if information is inaccurate or outdated, we can help correct it using your rights under the FCRA.
What compensation might I receive?
Depending on your case, you may recover money for stress, privacy invasion, or repeated unwanted calls. We’ll review your details to estimate what’s possible.
Can I still settle the debt?
Yes. Even if you want to pay or settle, a lawyer can help you do it safely and fairly—without giving up your rights.
What if they’ve already filed a lawsuit against me?
Don’t ignore it. Contact us immediately so we can review your papers and protect you from a possible default judgment.
Do I have to go to court?
Not always. Many cases settle through negotiations, but we’re always ready to go to court if that’s what’s best for you.
Take Control Today
You don’t have to put up with constant calls or threats from Encore Capital Group. If you believe their behavior has become harassment, reach out to The Wood Law LLC for help. We’ll review your case, explain your rights, and help you decide the next step.
Call our team now at +1 844-638-1122 or visit our Practice Areas page to learn more about how we protect consumers from collection abuse.
You deserve peace of mind. Let’s help you get it back.
