San Diego Debt Collector, Encore Capital Group Owes $42M In Refunds Posted on September 16, 2015 “These are exactly the types of illegal practices we have been successfully fighting since 2005” -Adam C. Fullman, Founder, The Fullman Firm, P.C. You can read more here: http://www.sandiegouniontribune.com/news/2015/sep/09/encore-capital-debt-buyer-must-pay-millions-refund/