Consumer complaint received 2015-10-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
REF : Case No. XXXXMidland Funding lawsuitI believe that the garnishment on my wages for a money Judgment by Midland Funding a junk debt buyer has no legal jurisdiction for their claim. Prior to a judgment granted to Midland Funding from the judicial system in the State of XXXX, Midland never supplied documented proof of evidence supporting their right to file a lawsuit as requested. My requested information to them was : ( 1 ) Signed Copy of the agreement between me and the original creditor in XXXX. ( 2 ) Last recorded payment date or Default date record from the original creditor. ( 3 ) Chain of Title of ownership verifying and proving that I owe Midland Funding the third party debt buyer as opposed to the original creditor giving Midland Funding the right to sue and collect on this debt outside the state of XXXX to determine whether or not the statute of limitations had expired. Filed in the XXXX Justice Courts, State of XXXX, XXXX County Consolidated Justice Courts XXXX XXXX XXXX, XXXX XXXX, by XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. This debt was initiated prior to my getting married and thereby acquiring a new married last name rather than as recorded. 
The Statute of limitation in XXXX for perusing a debtor for a defaulted credit card account is ( 4 ) years. Since this debt was executed by a written contract in the State of XXXX, XXXX credit card law establishes the legal default time period and date for a statue of limitation rights of the lawsuit initiated in XXXX whereby having jurisdiction over such matters, not XXXX 's statute of limitations. The State of XXXX law as it relates to perusing a debtor for a defaulted credit card account in XXXX is ( 6 ) years. This contractual obligation was not executed in the state of XXXX and therefore Midland Funding did not legally have a valid or enforceable lawsuit as granted. 
If there is a conflict between another state 's jurisdiction and this state relating to the statute of limitations for a debt action clarification is described in XXXX Revised Statutes ( A.R.S. ) 12-548 subsection A is found here. Whether intentional or unintentional the last payout default date which Midland Funding never supplied as request to my knowledge was more than 4 years when their first lawsuit was filed and was actually an unenforceable and/or a fraudulent claim filed by Midland Funding through /in the State of XXXX legal system illegally avoiding and/or negating the originating contractual state of XXXX Statue of limitation laws that should have been used setting precedence of this existing lawsuit, judgment and claim. 
Additionally NOTE : This Lawsuit judgment granted initially for the original principal of {$880.00} from its origin has escalated to now due and owing of {$2900.00}. This amount as claimed for garnishment is also from XX/XX/XXXX to XX/XX/XXXX. My estimated interest on the total judgment of $ XXXX@4.25 % per annum from the last filing should be in the vicinity of {$130.00}. What adjustments and/or how was the additional outstanding judgment balance now due and owing of {$2900.00} calculated and derived at in the current Writ as submitted by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX?

Company response to consumer: Closed with non-monetary relief