Who is enhanced recovery

Many or all of the companies featured here provide compensation to us. These commissions are how we maintain our free service for consumers. Learn more. They are a recognized participant in the credit and collections industry and is widely used by many organizations. That means you may be contacted by ERC attempting to collect a debt from just about any type of organization you can imagine. ERC is a legitimate company. In fact, if you are contacted by Enhanced Recovery Company, the only thing you should do is listen or read the correspondence.

Never argue with the representative, and never answer any questions asked. With that reality in mind, never provide collection companies with any information. That includes not answering any questions they may ask. Instead, you should ask all the questions! Find out who they are, what their contact information is, the amount of the claim, and the name of the original creditor.

After the initial contact or discovery of the credit report entry , your communications with Enhanced Recovery Company should all be in writing. Any letters you send should be by certified mail. You must accept from the very beginning that your communications with the company may turn into a legal matter, and begin taking steps immediately to protect yourself. You can make sure your letters say only what you need them to say, and no more. For example, collection agencies are particularly skilled at getting consumers to commit to paying money toward debt.

If you agree to do so in a moment of weakness, but fail to send the payment, the company can use that as evidence of bad faith should they decide to pursue legal remedies. Never promise to make any payments to Enhanced Recovery Company or any other collection agency unless you plan to honor your commitment.

As a debt collector, ERC Collections is not legally allowed to threaten to sue you, or threaten to garnish your wages. They are allowed to contact you via phone, text, or mail. However ERC cannot call you at inappropriate times including before 8 a. Though they are not allowed to threaten lawsuit or wage garnishment, if you do not pay a valid debt owed to them, ERC may legally sue you in a court.

If they get a default judgement against you in court, the judgement will state the amount you owe and allow them to garnish your wages for that amount. If you owe a debt to ERC and are concerned with the possibility that they might garnish your wages, it would be wise to speak to an attorney before it gets to this point. Our attorneys have assisted countless consumers in fighting back against debt collector harassment and protecting themselves against wage garnishment.

Contact us now to see if we can help you as well! Please call now or fill out our Free Case Evaluation Form and one of our attorneys handling Debt Collector Harassment can evaluate your case. If any of the above applies to your situation, our attorneys can help! Tarshish Cody PLC represents consumers experiencing harassment from debt collectors like Enhanced Recovery Company, and our attorneys are experienced in protecting your legal rights. Furthermore, ERC would be required to pay your attorney fees and court costs.

Please call now or fill out our Free Case Evaluation Form and one of our attorneys handling Debt Collector Harassment can evaluate your case at no charge to you.

If you are being harassed by ERC Collections, we can help! In total, our clients have been awarded hundreds of thousands of dollars via these lawsuits. Settlement was reached in a short amount of time. After you send in the agreed payment, you should monitor your credit report to ensure that it is updated accordingly. Since their team is dedicated to solving your credit problems, you can expect them to work quickly and efficiently, leaving little time for the account to do damage to your score.

Whether you choose to write to the agency yourself or work with a company to improve your score, getting ERC removed from your credit report is simple. This mode of communication is recommended as it documents your case and holds the agency accountable for any agreements you make.

Your email address will not be published. Read More. Learn More About Our Team. Skip to content Content on BetterCreditBlog. What Is ERC? ERC is one of the largest and most successful third-party debt collectors in the country, collecting for original lenders like: telecommunications cellphones credit card companies financial services student loans utility companies …and more.

They are also interested in business processing outsourcing and market research. You can expect ERC to contact you by way of persistent phone calls, emails, texts, and letters. Steps to Remove ERC from Your Credit Report Getting the dreaded phone call from a debt collection agency or finding a big drop on your credit report can be disheartening.