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The phrase "encumbered with" is correct and can be used in written English.
It means burdened or weighed down with something. Example: The company was encumbered with a large amount of debt, making it difficult for them to invest in new projects.
Exact(59)
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.
It's not encumbered with significance, but richly affectionate and very entertaining.
He refuses to add objects to a society that he says is overly encumbered with them.
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.
"That's largely because the hemp supply chain is encumbered with setbacks.
One longs for something cooler and less encumbered with arty significance from him.
This is partly because they are starting work later; it is also because many are now encumbered with student debts.
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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