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  1. Coffee_before_tea
    More information can be found here: http://www.consumerfinance.gov/newsroom/cfpb-takes-action-against-the-two-largest-debt-buyers-for-using-deceptive-tactics-to-collect-bad-debts/ Consent Orders can be downloaded here: http://www.consumerfinance.gov/administrativeadjudication/ Encore Capital, and their cohorts Midland Funding, Midland Credit Management, asset acceptance, and in a separate action Portfolio Recovery Associates (PRA) have been reprimanded by the CFPB. This includes paying restitution to some debtors which have been sued, or have paid on accounts to Encore, Midland et. al.