Debt collectors like Enhanced Recovery Company, LLC cannot harass you over a debt. You have rights under the law. We will stop the harassment once and for all.
THE BEST PART IS…
If Enhanced Recovery Company, LLC violated the law, you will get money damages and Enhanced Recovery Company, LLC will pay our fees and costs. You will not pay us a penny for our time. 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 Enhanced Recovery Company, LLC?
Enhanced Recovery Company, LLC, also known as ERC, is a large third party collection agency, headquartered in Jacksonville, Florida. The company was founded in 1999 and is a Limited Liability Company, according to their website. The company has been the subject of many consumer complaints and has been known to mislead consumers when collecting on debt, call repeatedly, and illegally threaten legal action. ERC collects on various types of debts including, bank cards, cell phone bills, bank overdrafts, utility accounts, cable television accounts, and much more.
Enhanced Recovery Company, LLC Address, Phone Number, and Contact Information
Enhanced Recovery Company, LLC is located at 8014 Bayberry Road, Jacksonville, FL 32256. The main telephone number for ERC is 904-680-2591. This is just one of many ERC contact numbers. Enhanced Recovery Company, LLC website is ercbpo.com ERC’s fax number is 904-645-3009.
Phone Numbers Used By ERC
ERC likely has dozens, if not over 100, phone numbers it calls from. Here are a few phone numbers ERC may be calling you from:
425-271-6266
605-242-1600
866-577-2461
918-493-2200
912-283-3595
877-868-2586
800-278-2420
800-278-1755
800-305-5553
678-430-3676
800-875-5164
Enhanced Recovery Company, LLC Lawsuits
If you want to know just how unhappy consumers are with ERC, take a look at the number of lawsuits filed against Enhanced Recovery Company, LLC on the Public Access to Court Electronic Records (“PACER”). PACER is the federal docket throughout the country that lists federal complaints filed against ERC. When you do a search for ERC, there are over 900 lawsuits filed against ERC. Most of these lawsuits involve consumer rights’ violations.
Enhanced Recovery Company, LLC Harassment
The Fair Debt Collection Practices Act (“FDCPA”) is a federal law that applies to everyone in the United States. In other words, everyone is protected under the FDCPA. The FDCPA is a laundry list of what ERC can and cannot do while collecting a debt, as well as things debt collectors must do while collecting a debt. If ERC is harassing you over a debt, you have rights under the Fair Debt Collection Practices Act.
The Electronic Fund Transfer Act (“EFTA”) protects electronic payments that are deducted from bank accounts. If Enhanced Recovery Company, LLC took unauthorized deductions from your bank account, you may have an EFTA claim. ERC, like most collection agencies, wants to set up reoccurring payments from consumers. Imagine how much money ERC gets if hundreds, if not thousands, of consumers electronically pay them $50-$100, or more, per month. If you agreed to this type of reoccurring payment, ERC must follow certain steps to comply with the EFTA. Did ERC continue to take electronic payments after you said stop? Did ERC take more money from your checking account than you agreed to? If so, let’s talk about your rights 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 handled a lot of cases recently where Enhanced Recovery Company, LLC reported debt on a consumer’s credit report. ERC likely reports on credit reports to obtain greater leverage over the consumer. If ERC is on your credit report, they may tell you if you pay the debt, they’ll remove it from your credit report. This is commonly known as pay for delete. You pay ERC, and they delete the debt from your credit report. Even if ERC is not on your credit report, maybe the original creditor is. If you pay off the debt to ERC, then the original creditor, and ERC, should accurately report this on your credit report.
Several states also have laws that provide its citizens an additional layer of protection. For example, if you live in California, Texas, Florida, North Carolina, Wisconsin, Michigan, Montana, or Pennsylvania you may be able to tack on a state-law claim with 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 you’re harassed over a debt, you may get $500.00 – $4,000.00 in damages per violation. We work with a local counsel in NC. Our NC clients have received some great results in debt collection harassment cases. If you live in NC, and EnhancedRecovery Company, LLC is harassing you, you have tons of leverage to get a great settlement.
HOW CAN WE USE THE LAW TO HELP YOU?
We will use state and federal laws to immediately stop Enhanced Recovery Company, LLC debt collection. We will send a cease and desist letter to get the harassment to stop the same day. If ERC violates the FDCPA, EFTA, FCRA, or any state laws, you may be entitled to money damages. For example, under the FDCPA, you can get up $1,000.00 in damages plus actual damages. The FDCPA has a fee-shift provision. This means, ERC pays our attorney’s fees and costs.
THAT’S NOT ALL…
We have helped hundreds of consumers stop phone calls from ERC. We know how to stop the harassment and get you money damages. ONCE AGAIN, you will not pay us a penny for our time. We will help you based on a fee-shift provision and/or based on a contingency fee. That means, ERC pays our attorney’s fees and costs.
What If Enhanced Recovery Company, LLC Is On My Credit Report?
Based on our experience, ERC does credit report. That means, ERC will mark your credit report with the debt they are trying to collect on. In addition to ERC, the original creditor may be on your credit report. For example, if you owe Chase Bank on a credit card, and ERC is collecting on it, both Chase and ERC may have separate entries on your credit report. This is important because you will want both parties to update your credit report if you pay off the debt.
THE GOOD NEWS IS…
If ERC 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 maybe you were a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull 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 $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision. This means, the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. We have helped dozens of consumers fix inaccurate information on their credit reports.
Complaints against ERC
If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by ERC. The complaints on the Better Business Bureau (“BBB”), various consumer websites, including on Yelp, and even the complaints on this page (below) are endless. ERC is accredited by the BBB. Despite 30 negative reviews and 1,356 total customer complaints, ERC has a B rating on the BBB.Here are some of the many BBB complaints regarding ERC:
- “I keep receiving harassing calls from this company. I’ve asked several times to be removed from their call list but the calls continue. I do have debt, as do most Americans, however all of my payments to my creditors are on time & all of my accounts are in good standing”
- “This company continues to call me. Left a message once saying that I needed to call them regarding a debt. I have no debts. How can I get them to quit calling me? I consider it harassment.”
- “How can the BBB give these guys a B rating when they cold call at all hours of the day using multiple phone numbers? And we have NO DEBTS!”
Reviews and complaints on Yelp do not get any better for ERC. ERC has an average of one star on ConsumerAffairs.com. Here’s what people on ConsumerAffairs.com have to say about ERC:
- “My father received a collection letter from ERC for a debt to CenturyLink. The account # was not his nor was the spelling of his name correct. We called CenturyLink verifying his account was current and that that he only had one account. (We thought someone may have set up a fraudulent account with CL). We called ERC and were hung up on 3 times”
- “They said that the only way that they would take it off my credit history (within 45 days mind you) was IF I paid it AGAIN!!! Really — Pay same bill TWICE!!! “
- It is unfortunate that a company will purposely lie to customers about what they owe and how old the debts are. These are accounts over ten years old and this company is still trying to collect full balances on accounts that really should be removed out of statute.”
Cases We Have Handled Against ERC
I THINK YOU’LL AGREE WITH ME WHEN I SAY…
Threats and harassment by collection agencies can be pretty intimidating. Well, it turns out we can stop the harassment, attempt to get you money damages under the law, and the collection agency will have to pay us our fees and costs. Here are some of the cases we’ve handled against DCI:
- Julie O. v. ERC: In this case, our client lives in California. ERC started contacting our client sometime in or around March of 2017. The calls were regarding a debt that our client did not owe. ERC called from 800-875-5143, among other numbers. Our client told ERC to stop calling on multiple occasions. ERC did not cease communications which prompted Mike Agruss Law to send a cease and desist letter on her behalf. Despite receiving the letter, the calls continued. Since our client is a resident of California, we alleged both the Fair Debt Collection Practices Act and the Rosenthal Fair Debt Collection Practices Act.
- Bruce K. v. ERC: In 2017, our client began receiving collection calls for a debt originally owed to AT&T. The calls were from 800-875-5164, which is a number belonging to ERC. Our client received over 150 calls from ERC within a few months. In this case we alleged ERC’s excessive call volume was a violation of the Fair Debt Collection Practices Act.
- Josh P. v. ERC: In December of 2014, our client pulled his credit report and noticed ERC was reporting as a charge off or collection account. Shortly thereafter, on or around December 31, 2014, our client mailed a dispute letter to ERC, who received it on January 5th, 2015. Despite receiving our client’s dispute letter, as of February 17, 2015, ERC continued to report the debt to our client’s credit report and failed to include proper notations indicating that the debt was being disputed. In this case we alleged ERC violated the Fair Debt Collection Practices Act.
Here’s What Our Clients Say About Us
Mike Agruss Law, has over 900 outstanding client reviews through Yotpo, an A+ BBB rating, and over 125 five-star reviews on Google. Here’s what some of our clients have to say about us.
“I cannot thank or say enough about the professionalism displayed by Mike Agruss Law! They coordinated their efforts very quickly to stop the harassing phone calls from a bill collector.”
“I’m happy to have found Agruss. I was getting collection calls for the previous owner of my phone number. No matter what I pressed or said the calls kept coming.”
“The employees always made me feel like I mattered and that means a lot, because believe me, I know I was a pain in the butt. They always returned my phone calls and emails immediately, despite all the caseloads they had. I am very happy”
Can Enhanced Recovery Company, LLC Sue You?
Although anyone can sue anyone for any reason, we have never seen ERC sue consumers. It’s likely ERC does not sue because they do not always own the debt they are collecting on. Also, ERC would have to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s likely ERC collects debts through the entire country. Therefore, it would be very difficult to have lawyers, or a law firm, licensed in every state. There are collection agencies that do sue consumers. For example, Midland Credit Management is one of the largest junk-debt buyers. Midland Credit Management collects on debt and also sues on debt. The opposite is true with ERC. Therefore, it would be very unusual if ERC sued you. The original creditor, on the other hand, may hire a collection firm, or lawyer, to sue you. If ERC has threatened to sue you, call us. We can help.
Can Enhanced Recovery Company, LLC Garnish Your Wages?
No, not unless they have a judgment. If ERC has not sued you, then ERC cannot get a judgment. If ERC does not have a judgment, then ERC cannot garnish your wages. Minus limited situations (usually dealing with debts owed to the government for student loans, taxes, etc.), in order to garnish someone’s wages, you need a judgment first. In short, we have not seen ERC file a lawsuit against a consumer. So, ERC cannot garnish your wages, minus the exceptions listed above. If ERC has threatened to garnish your wages, contact our office right away.
Enhanced Recovery Company, LLC Settlement
If you want to settle a debt with ERC Management, ask yourself these questions first:
- Do I really owe this debt?
- Is this debt within the statute of limitations?
- Is this debt on my credit report?
- If I pay this debt, will ERC remove it from my credit report?
- If I pay this debt, will the original creditor remove it from my credit report?
- If I pay this debt, will I get something in writing from ERC confirming 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 its harassment, settlement, pay for delete, or any other legal issue with ERC Management, the folks at Mike Agruss Law are here to help you.
Share Your Complaints About Enhanced Recovery Company, LLC Below
Post your complaints about ERC Sharing your complaints about ERC will help other consumers know what to do when ERC starts calling. Sharing your experience may help someone else.
HERE’S THE DEAL!
If you are being harassed by Enhanced Recovery Company, LLC over a debt, you may be entitled to money damages. Get up to $1,000 for harassment, and $500-$1,500 for illegal robocalls. Under various state and federal laws, we will help you based on a fee-shift provision and/or based on a contingency fee. That means, the collector pays your attorney’s fees and costs.You won’t pay us a penny. We have settled thousands of debt collection harassment cases. Let us help you today. Contact Mike Agruss Law at 888-572- 0176 to stop the harassment once and for all.