![]() Next, inform the ERC debt collection agent that you insist that all communications be made in writing and that they must not call you or contact your family or employer at any time. Whether the case has been reported to one of the three major credit rating agencies, which are:.The total amount of the debt broken down into:.The date the debt was sent into collections.The name and identifying information of the person allegedly responsible for the debt (hint: It may not be you). ![]() The name and contact information of both the debt collector and the original creditor.The very first thing you should do when ERC debt collection agents contact you is to ask them to send you a letter that includes the following: How to Respond to ERC Debt Collection Attempts How Do I Reach ERC Debt Collection? Company’s Legal Name Lending institutions (student loan debt is a specialty).Other violations of the Fair Debt Collection Practices Act (FDCPA)įor What Kind of Companies Does ERC Collect a Debt?ĮRC manages collections for several industries, including:.Harassing phone calls to the alleged debtor, their family members, and their employers.Failure to work with families settling debt belonging to deceased or incapacitated relatives.Failure to demonstrate they've properly investigated debt, including not giving any information to alleged debtors about the account.Failure to acknowledge debt validation letters.Refusal to remove resolved debts from credit reporting agencies.Attempts to collect on retired or non-existent debts.Many negative reviews report the following ERC conduct: Nearly 1,100 complaints registered against ERC with BBB over the past three years, with only about half of them resolved. Are They a Legitimate Company?ĮRC is accredited by many industry organizations and should be considered a legitimate company, but it has a poor reputation on consumer review sites. For example, ERC has been registered with the Better Business Bureau since 2007, where it has a "B" rating and a customer rating average of just over one out of five stars by 40 reviewers. ERC handles debt collection on behalf of its clients and works differently from many other debt collectors who purchase debt and pursue collections on their behalf. Who Is ERC Debt Collection?Įnhanced Recovery Company is a business process outsourcing company (BPO), which means that other companies contract with them to manage a portion of their operations. DoNotPay can help you deal with debt collectors, from forcing them to stop breaking laws designed to protect you to negotiating settlements on your behalf. The good news? You don't have to confront them alone. The bad news is that ignoring ERC debt collection calls and notices won't make them go away. After all, if you could afford to pay off your debt, you would, right? Stop Debt Collectors How to Negotiate Settlements from ERC Debt Collection How to Negotiate Settlements from ERC Debt CollectionĪre you being hounded by calls and letters from ERC debt collection? If you are, you likely feel anxious every time you go to the mailbox or your phone rings.
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