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"encumber with" is correct and usable in written English.
It is used to describe something that has been burdened or impeded with a task or obstacle. Example: The high cost of medical bills encumbered with insurance premiums can be difficult to manage.
Exact(2)
A fiction is often used to get around the provisions of constitutions and legal codes that legislators are hesitant to change or to encumber with specific limitations.
Upon inspection, it appears that the Lender who prepared the mortgage made a typographical error in the legal description of the property that they meant to encumber with the mortgage.
Similar(58)
And many assets are encumbered with legal issues.
The press is encumbered with a growing battery of rules.
They may decline properties encumbered with debt or environmental problems.
He refuses to add objects to a society that he says is overly encumbered with them.
It's not encumbered with significance, but richly affectionate and very entertaining.
"That's largely because the hemp supply chain is encumbered with setbacks.
They are determined, professional and, as usual, encumbered with screwy personal lives.
And yet, in some ways, Ukraine is still encumbered with its Soviet inheritance.
"I don't want to be encumbered with the value of a house," he said.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com