Skip to content

Encore Receivable Management

Michael Agruss

Written and Reviewed by Michael Agruss

  • Managing Partner and Personal Injury Lawyer at Mike Agruss Law.
  • Over 20 years of experience in Personal Injury.
  • Over 8000+ consumer rights cases settled.
  • Graduated from the University of Illinois Chicago School of Law: Juris Doctor, 2004.

Debt collectors like cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.THE BEST PART IS…If violated the law, you will get money damages and will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose!Call us today at 888-572-0176 for a free consultation.

Who is ?

is a debt collection agency based in Olathe, Kansas. Founded in 1999, ERM’s parent company is “Convergys Customer Management Group, Inc.,” which is based in Cincinnati, Ohio. ERM is not accredited by the Better Business Bureau and has received numerous consumer complaints for billing/collection problems and FDCPA violations.

’s Address, Phone Number, and Contact Information

is located at 400 N. Rogers Road, Olathe, KS 66062. As of March 2018, the company does not have an available website or other contact information.

Phone Numbers Used by

Like many debt collection agencies, may use many different phone numbers to contact debtors. For an advanced search, visit www.agrussconsumerlaw.com/ and click “Number Search” in the “Lookup” dropdown menu. Here are some phone numbers may be calling you from:

  • 800-474-6138
  • 800-737-8423
  • 800-901-4479
  • 866-472-8762
  • 866-652-3137
  • 866-652-3145
  • 866-842-6284
  • 866-843-5013
  • 888-710-9983
  • 888-881-4980

Lawsuits

If you want to know just how unhappy consumers are with , take a look at the lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for the agency will display over 330 lawsuits filed across the U.S., most of which involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).

Complaints

The Fair Debt Collection Practices Act (FDCPA) is a federal law which applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If is harassing you over a debt, you have rights under the FDCPA.The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if violates the TCPA.Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. , like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 – $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and potential case under the EFTA.The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it;this is commonly known as “pay for delete.”If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above.  North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 – $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop ’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.THAT’S NOT ALL…We have helped thousands of consumers stop phone calls and we know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.

What if is on my Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.THE GOOD NEWS IS…If is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.REMEMBER…If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

Complaints against

If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by . Here are some of theBBB reviews and complaints against :

  1. I have been receiving calls from this company. I feel like they are harassing me. I have never heard of this company. I asked what this is all about and all they say is it is a personal matter. That sounds shady to me. If you are a collector, why would the recording say, “Thank you for calling, I will be transferring you to a representative.” Is that legal? Who are they collecting for? In this day of identity theft I am not going to give out my personal information to someone who does not have command of the English language.”
  1. I am receiving numerous calls on three different phone lines, including my work line, numerous times a day. I have traced the number to , and I understand that they are a debt collector. I am unable to resolve whatever debt they are collecting because EVERY call is a hang up. I have received hundreds of calls over the last month, and they have gone so far as to breathe into the phone for a few seconds before hanging up. I attempted to resolve the issue by calling , but I was unable to reach a representative.”
  2. is a collection agency. I have filed for bankruptcy and I am working with an attorney to conclude my business. This collection agency keeps calling me. They have been calling me for more than a month. They start their calls at 8:30 in the morning, and they call every hour on the hour until bedtime. Then they start up the next day. They call on Saturdays and Sundays, and never stop.”

Cases We’ve Handled against

I think you’ll agree when we say that threats and harassment from collection agencies can be pretty intimidating. However, we can stop the harassment and get you money damages under the law, and the collection agency will pay your attorneys’ fees and costs. Here are some cases we’ve handled against :

  1. Dawn S. v. – In February 2018, Dawn of Marion County, South Carolina, filed a claim against for violations of the Fair Debt Collection Practices Act (FDCPA). Complaints consisted of harassing phone calls, including after receiving an attorney-representation letter, calls to the plaintiff’s workplace, and continuing to place calls after receiving multiple verbal written cease-and-desist requests. The case was resolved in March 2018.

 

  1. Jennifer D. v. – In May 2016, Jennifer of Olmsted County, Minnesota, filed a claim against for violations of the Fair Debt Collection Practices Act (FDCPA) and Telephone Consumer Protection Act (TCPA). Complaints consisted of harassing phone calls, including calls made without disclosing the company’s identity, robocalls, and ongoing calls after repeated requests from the plaintiff to stop doing so. The case was resolved in July 2016.

 

  1. Melissa C. v. – In March 2016, Melissa of San Diego County, California, filed a claim against for violations of the Fair Debt Collection Practices Act (FDCPA) and Rosenthal Fair Debt Collection Practices Act (RFDCPA). Complaints consisted of harassing phone calls, including after the plaintiff requested in writing that the calls stop. The case was resolved in April 2016.

What Our Clients Say about Us

Mike Agruss Law has over 795 outstanding client reviews through Yotpo, an A+ BBB rating, and over 105 five-star reviews on Google. Here’s what some of our clients have to say about us:“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.” “Mike Agruss Law was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!“Mike Agruss Law was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! Even settled it so I was paid back for the problems they caused!”

Can Sue Me?

Although anyone can sue anyone for any reason, we have not seen sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If has threatened to sue you, contact Mike Agruss Law as soon as possible.

Can Garnish my Wages?

No, unless they have a judgment. If has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If has threatened to garnish your wages, contact our office right away.

Settlement

If you want to settle a debt with , ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will remove it from my credit report?
  5. If I pay this debt, will the original creditor remove it from my credit report?
  6. If I pay this debt, will I receive confirmation in writing from for the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with , we at Mike Agruss Law are here to help you.

Share your Complaints against Below

We encourage you to post your complaints about . Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!HERE’S THE DEAL!If you are being harassed by over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 – $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Mike Agruss Law at 888-572-0176 to stop the harassment once and for all.

Submitted Comments

robert morrison
9 years ago
they call 4 plus times a day. no message, when answered they refuse to state what they want.they have left several voice mails saying I need to contact n.ga. medical center about a balance owed. I called an the hospital has no record of me. I have told them to stop the calls and they keep calling.
L. Scott
8 years ago
They call several times a day and when I answer no one speaks and then I get hung up on. No voicemail's are left stating why they are calling and I am now going to block the number. Really terrible debt collection agency. You can't even say hello when the person you are harassing picks up the phone.
Mike Agruss
8 years ago
Hello L. Scott, I am sorry to hear about these constant calls. If the harassment continues without a resolution, we can help determine if you have a case and stop the calls for good. Thanks, Mike.
Robert
8 years ago
I believe it is over a credit card bill.
Glenn
8 years ago
Hello, I. Harassed daily by this company,meet call from 9am to 10pm daily including Sunday's, I've told a representative there many times my situation, yet the continue to harrass me, what can I do?
Susan l Regan
6 years ago
has been included in debt consolidation.
Mary
6 years ago
I am harassed several tomes a day till late at night and on weekends by Encore receivables How can I stop these calls!
Mary
5 years ago
I am harassed several times a day till late at night and on weekends by Encore receivables. How can I stop these calls?!
Janice
4 years ago
I just discovered that company has made 3 pending withdrawals from my account. I did not know what the charge for what they call "Bowl Sparkle" until I googled the number listed on transactions and was led to your law firm. They have gone beyond robo calling me by robo debiting. I am senior handi-cap living on a fixed income and this is really causing me serious issues with the charges and all the overdraft fees. Please help.

We are listening

We will respond to you at lightning speed. All of your information will be kept confidential.

Form successfully submitted!