Enhanced Recovery Company or ERC, which also does business as Enhanced Resource Centers and ERC, was set up in 1999. The debt collection agency is based in Jacksonville, Florida, and employs over 1,000 people. Even though the company doesn’t purchase debt, debt buyers contract with ERC to accumulate.
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Enhanced Recovery Company is a legitimate third party debt collection agency that collects many unique kinds of debt, such as student loan, telecommunication, cable, utility, and bankcard debt. Their collection tactics include demand letters, telephone calls, credit bureau reporting, and suits.
If you’ve suffered from ERC harassment, you do have options. Under the law you can recover up to $1,000 for violations of the FDCPA, and $500 to $1,500 for each cell phone robocall.
As of April 2017, the Better Business Bureau reported 1176 closed Enhanced Recovery Company complaints over the previous few decades, including 366 closed complaints over the past 12 months. The BBB gives ERC a B evaluation. Additionally, Justia lists two ERC complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, and one alleging violations of the Fair Credit Reporting Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 962 closed ERC complaints for 2016.
Enhanced Recovery Company
8014 Bayberry Road
Jacksonville, FL 32256
Phone Number: 800-942-0015
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely ERC would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here is a Sample Case Filed in Federal Court.
In 2016, a judge in U.S. District Court, Eastern District of Pennsylvania, refused ERC’s motion to dismiss Velez v. Enhanced Recovery Company for alleged violations of the Fair Debt Collection Practices Act. According to the judge’s conclusion, ERC delivered the customer a letter offering to settle a $692 debt for $554. The letter also stated, “In addition, any indebtedness of $600.00 or more, which can be discharged as a result of a settlement, may be reported to the IRS as taxable income pursuant to the Internal Revenue Code 6050 (P) and related federal law.” The user claimed that the statement was false, deceptive, and misleading, and as such in violation of the FDCPA. The IRS regulation applies only to a forgiven debt in excess of $600, so the announcement that the discharged debt “could be reported” is misleading and deceptive. The customer also argued that whether or not the total constituted “taxable income” was not something determined by ERC and the customer, but instead by the IRS. Consequently, the “least sophisticated consumer” (the standard required by the FDCPA) could consider that he may need to pay to be able to avoid IRS reporting. The judge refused ERC’s motion for dismissal, stating that the consumer had said a facially plausible claim.
Actual Complaints Listed on the BBB website
“ERC is a ripoff company, I pay $106 2 years ago, for ATT bill and they never reported that bill was pay. now the send me the same bill again 2 years later. After I clear my credit, they reports me again and damaged my credit again. Why i don’t understand why BBB accredited business like ERC. I was reading most of ERC reviews and they have very bad reputation. Plus I check other websites on google and this company “ERC” had scam and ripoff reports. I will reports this company and File a Complaint Against a Company At https://www.usa.gov/consumer-complaints#item-35997. I advised if you read this to do the same.”
“These people call my business phone every day! I do not owe anything on my credit report and have stellar credit. This must stop ASAP.”
“Different people from ERC Collection call me through out the day for the last three weeks and will never tell me what they’re calling about. When I ask they refuse to tell me except that it is personal and need an address. This company seems to be trying to get peoples money under false pretenses. They need to be taken out of business so they do not scam more people out of their hard earned money”
“These people have called my cell 36 times (which they know they aren’t supposed to do at all). They’ve been blocked since the first time they called. Even though they are blocked they can still leave a VM. Which they have never done before calling today (for the 36th time). They number they called from (1-800-875-5143) is different from their requested call back number (1-800-459-0766). The only thing on the VM was them saying they were calling from ERC and gave a reference number. I never call these numbers back as 99% of the time they are scammers. I go fed up and decided to call as said they are a debt collector. The lady who answered had a serious attitude. I knew I didn’t have any debt with any phone company and it seems that’s who they are collecting for. Turns out they were calling for someone else. Mind you I’ve had this number for more than 5 years. Clearly, they don’t care that they call the wrong person dozens of times, on a cell phone at that. They are out of control”
Here are some Press Releases of Lawsuits Brought On By Lemberg Law
June 15, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Middle District of Florida. The case, against Enhanced Recovery Company, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages under the Fair Debt Collection Practices Act and other relief.
The FDCPA was written to prevent debt collectors from harassing consumers. One of the provisions of the FDCPA is that debt collection agencies are not allowed to call folks at times and places that are inconvenient to them. Our client says that ERC called her between 8:00 a.m. and 5:00 p.m. When our client answered the phone call, she told the debt collector from ERC to only contact her after 6:00 p.m. She also said that she was unable to take any calls before 6:00 p.m. because she was at work. Nevertheless, ERC continued to call her before 6:00 p.m.
This lawsuit charges that Enhanced Recovery Company violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by contacting our client at a place and time known to be inconvenient; and by using unfair and unconscionable means to collect a debt.
May 24, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Middle District of Florida. The case, against Enhanced Recovery Company, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages under the Fair Debt Collection Practices Act and other relief.
No one likes getting debt collection calls. It is arguably even more annoying to receive debt collection calls targeting someone else. Our client says that ERC called him in an attempt to collect his sister’s debt. Our client spoke with an Enhanced Recovery debt collector and told them that he did not know her phone number or her whereabouts. Nevertheless, ERC continued calling our client in an attempt to collect the debt.
It’s important to note that all consumers are covered by the Fair Debt Collection Practices Act (FDCPA) – not just the individuals who owe a debt. This lawsuit charges that Enhanced Recovery Company violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior and by using unfair and unconscionable means to collect a debt.
April 17, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Middle District of Florida. The case, against Enhanced Co, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages under the Fair Debt Collection Practices Act, plus other relief.
Debt collection calls can be worrying. We can be even more troubling when you are not feeling your best. Our client says that, on many occasions, Enhanced Recovery’s debt collectors called her home phone number just after 8:00 a.m. She told them that she was disabled and confined to bed, and requested that ERC call her after 11:00 a.m. Despite her request, the debt collection agency continued calling our client between 8:00 a.m. and 11:00 a.m. In addition, our client disputed the debt and requested a letter validating the debt, but ERC never responded to her request for a validation letter. Moreover, she says that the debt collection agency threatened to file a lawsuit against her.
This lawsuit charges that Enhanced Recovery Company violated the Fair Debt Collection Practices Act (FDCPA) by contacting our client at a place and time known to be inconvenient; by engaging in harassing behavior; by using false, deceptive, or misleading representation in connection with the collection of a debt; and by failing to send a validation notice.
The Fair Debt Collection Practices Act (FDCPA) is extremely clear about what debt collection agencies can and can’t do so as to collect a debt. By way of instance, an agency can speak to a third party, like a friend, relative, or employer, so as to ascertain your contact information. However, once they understand how to contact you, they’re not permitted to contact third parties another time. Additionally, they’re not permitted to tell the people that you know that they’re collecting a debt.
In contrast, when a debt collector contacts you, he should identify himself as a debt collector. It is illegal for a debt collector to pretend to be somebody else. He can not claim to be an attorney, by way of instance, and threaten to sue you. More generally, he can not demean or threaten you with an action that the debt collection agency doesn’t have any intention of doing.
If you are being hounded by a debt collection agency, you should contact Lemberg Law. You have rights, and a judge could grant you up to $1,000 in damages from a debt collection agency that violated the FDCPA.
Consumers have reported this agency harassing them from the following numbers:
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW
What Our Clients are Saying
“Just a quick note to inform you that I got my check now and say thank you again. I will be discussing about you with “my friends!”
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.
“Thank you and your staff at Lemberg Law for the exceptional work you did on my behalf in managing the debt collection agency. I’ve not experienced the level of professionalism, care, timeliness in follow-through, and financial compensation obtained through your firm.”
The brief answer is yes. Contact us now and we’ll explain how we can help.
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