Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Approximately XX/XX/XXXX, I received a notice from Midland Credit asking about my assets. I called and spoke with a rep who informed me they had secured a default judgement against me in XXXX. I was never served, and it is my stance that no one attempted to serve me, despite the claims included with the request for substitute service, which I picked up from the XXXX XXXX today, XXXX, XXXX. Back in XXXX, I showed in court as instructed only for the Plaintiff to not even bother, and therefore the judge dismissed the case, without prejudice. The judge stated it was the second time the Plaintiff had not shown when multiple cases were on the docket. But nonetheless, here 's my issue : I dispute their claims of attempting to serve me because I filed for divorce from my husband XX/XX/XXXX. We went back and forth in court until our divorce was settled in XXXX. His lawyers had no issue getting me served, so I don't see why Midland 's server had such an issue. When the other process servers left a notice, I replied. I never received a notice about this case. I wouldn't have ignored a notice because I was a licensed XXXX XXXX and process server ( My company was XXXX Investigations and my license was XXXX ). I have a degree in XXXX XXXX, and I've worked with attorneys. I know the consequences of attempting to evade service. I, too, have gone to judges to get substitute service ( XXXX, XXXX, and XXXX XXXX ), so I was well aware of the process. Currently, I am an XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I don't evade service nor ignore orders to appear in court. I have asked Midland Funding several times to send proof of this debt, always told it would take up to 45 days. What they send is not proof of debt, but screenshots of what's in their system. I call again and again, get the same thing. I appeared in court for other debts, settled them. I was on a year-long payment plan after answering a lawsuit for XXXX XXXX. For the record, my ex-husband had developed a drinking problem which was causing a lot of financial strain ( DWI, court monitoring, etc. ) and that is the main thing that led up to the divorce. Once that was settled and the judge made an order on the debt, I took steps to clean things up. I paid off several credit cards, so I wanted to make sure this debt, whatever it is, is not XXXX of the debts I already took care of. I believe Midland had the server to lie about attempts at service ( and let 's not pretend that doesn't happen, as I know of XXXX verified cases where a server was sanctioned and XXXX XXXX for doing this very thing on behalf of attorneys ). Now, I may not have proof against this server, but once again, I was going through a divorce, which can be easily proven, and I find it strange no other server had an issue locating me, only Midland 's. I think they may have been approaching the XXXX deadline ( I'm speculating since I don't know what debt this is nor when it original occurred ), but if the deadline were not approaching, they wouldn't have taken such unethical tactics. They had the process server to lie about attempts to get a rush for substitute service. If you look at when she was supposed to have served me, it was always during the day when I would be at work, except for her claims to have come on a Saturday morning at XXXX : XXXX If she did come, she did not attempt to make contact. They got this default judgement unfairly, by lying, and it should be set aside. Even after the judgement, which according to the documents I picked up today, I never heard anything about it until XXXX! Why wait XXXX years? And then the judge dismissed that case XXXX and here they come again in XX/XX/XXXX. They are dragging this out because they have no proof of the debt or because it is past the statute of limitation. I can prove I was regularly attending court in XXXX XXXX from XXXX XXXX XXXX. My neighbor they claim to have asked about me are both cops ( well XXXX has moved now but our daughters are friends ) and he has never mentioned that anyone came looking for me, and XXXX would have. As a former XXXX XXXXXXXX, I know people can look up your info to find out who owns property, and most process servers are XXXX XXXX just as I was. I know she could've easily driven by my house and gotten my license plate without ever knocking on my door. So, her claims to having attempted to serve me are lies. Why would I reply to the other process servers who served me motions during my divorce proceedings, but somehow always evade this one? How would I have known on whose behalf she was serving me? I plan to file a complaint against this process server, and I hope I can find video on the cloud for these dates she CLAIM she was here. All lies. If you research Midland Funding, you will see they have a bad habit of unethical practices. This is no different. Also, when I spoke with someone back in XXXX, it was a male with an accent- I think I may still have the recording as I have a tendency to record my phone conversations ( habit when I was a XXXX XXXXXXXX ). He tried to tell me that they didn't have to serve me nor arrange for a server because the court would handle it. Yes, you can pay the court who will pass it to the constable, but you have to request that and pay. At least that was the case with all my clients, so I don't see why it would be different for Midland.

Company response to consumer: Closed with explanation