Start My Answer
loading...

Enhanced Recovery Collections: How to Respond

Dena Standley | July 25, 2024

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Enhanced Recovery Company was a debt collection agency that closed in 2023. The following is SoloSuit's old guide on the company and its old debt collection practices.

Are you tired of receiving calls from Enhanced Recovery Company and trying to figure out how to stop them? Many consumers find themselves in this situation, and they feel helpless since they do not know what to do. To beat Enhanced Recovery Company (ERC), you need to know:

  • Who they are and the work they do
  • The rights you have under the Fair Debt Collection Practises Acts (FDCPA)
  • Who to contact to report fraud and illegal business practices
  • What to do in case they enter a debt in your credit report
  • Steps to take if they sue you

By the end of this article, you will have the above information. You will also be on your way to stopping ERC calls and recovering from the damage they may have caused to your credit report and life. Let's get right into it.

Who is Enhanced Recovery Company?

ERC is a legitimate third-party collection agency based in Jacksonville, Florida. It is a limited liability company that emerged in 1999. ERC is not a debt buyer, meaning that it does not own the debt it tries to collect but only represents the original creditor.

Enhanced Recovery Company is Better Business Bureau (BBB) accredited with a B rating (from a scale of A+ to F). Their BBB profile records over 1,500 complaints in the last three years with a star rating of 1.1 out of 5. The Consumer Financial Protection Bureau (CFPB) also records over 7000 consumer complaints. Their contact information is:

Address:
Enhanced Recovery Company
8014 Bayberry Rd
Jacksonville, FL 32256

Phone Number:
1-800-942-0015

The rights you have under the Fair Debt Collection Practices Act

It is essential to know your rights to avoid feeling helpless when ERC contacts you. Inform them that you have the right to be treated in the following ways:

  • ERC should not lie to you or pretend to be lawyers
  • They should not threaten you with arrest or lawsuit if it is not true
  • They should not harass or mistreat you
  • They should give you more information when you ask for it
  • They should stop calling you once tell them to stop or after you send a cease and desist letter
  • They should validate the debt within 30 days after you send a Debt Validation Letter
  • They should not call you before 8 am and after 9 pm
  • They should not share your debt information with third parties such as your co-workers, friends, or family

If Enhanced Recovery Company violates any of these laws, report the company to your attorney general's office or the Fair Trade Commission and CFPB Website. You can also take ERC to court because you have an excellent winning chance since they violated the law.

How to eliminate Enhanced Recovery Company from your credit report

ERC has a right to enter your debt in your credit report if it genuinely belongs to you. Instances occur where the debt entered is not yours or the debt amount is inaccurate. These mistakes cause a significant drop in your credit score, reducing your chances of getting a loan or credit card. Whether you have a debt or not, the following are the actions to take to remove ERC from your credit report:

  • Request for copies of your credit report: Get a copy of each report from TransUnion, Equifax, and Experian. It is ideal to address ERC while having all the information from the credit bureaus so that they do not catch you by surprise.

  • Send a Debt Validation Letter: Ask ERC to verify that the debt belongs to you and the amount they have quoted is accurate. The validation document they send should include a breakdown of the debt, details of the original creditor, and statements allowing you to dispute the debt.

  • Dispute the debt: Before sending a debt dispute letter, highlight the errors on your credit report and the validation notice from ERC. Next, attach these documents and send them together with the letter. The credit bureaus will investigate and either remove or correct the debt.

  • Pay the debt: Plan to make payments if ERC sends a debt validation notice that accurately shows the debt is yours and is familiar to you. You can also negotiate a pay-for-delete agreement whereby they agree to remove the debt after you pay.

Debt collection agencies' primary purpose is to see the money owed paid to their clients, they are open to negotiations, and you can get a reasonable deal with them.

Steps to take when Enhanced Recovery Company files suit against you

It is rare for ERC to sue consumers, but they may take you to court if you ignore their attempts to collect a genuine debt. Sometimes errors occur, and they may sue you for a debt you do not owe; either way, these are the steps you can take to beat them in court:

  1. Respond to the lawsuit: Once you receive the debt collection lawsuit, you need to send an Answer within 14–30 days of the date indicated. The courts will declare a default judgment if you fail to respond, and ERC can garnish your wages or gain access to your bank account. Filing your Answer is the first step to beating ERC in court.

  2. Challenge the lawsuit: Consumers can challenge the lawsuit if the debt is not theirs, they already paid it, it passed the statute of limitation time, or the debt is incorrect. Send ERC a Debt Validation Letter to verify the debt and carry these documents to the court.

  3. Send a Motion to Compel Arbitration: You can force a lawsuit out of court by sending a Motion to Compel Arbitration. This approach works if your loan or credit card agreement includes an arbitration clause. The clause makes it more challenging and expensive for ERC to come after you in court, and the company would rather settle outside the court.

  4. Offer to settle the debt: Send a Debt Lawsuit Settlement Letter if you want to settle the debt out of court. It is a safer option if you know you have a slim chance of winning in court. Negotiate and agree to pay less than the original figure.

You do not need a lawyer to deal with ERC after they sue you. SoloSuit can help you with all the documents you need to send to ERC and the courts. These documents include the debt lawsuit Answer, the Debt Validation Letter, a Motion to Compel Arbitration, and Debt Lawsuit Settlement Letter. SoloSuit's Lawsuit Documents are acceptable in all 50 states.

>>Read the NPR story on SoloSuit

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

Get Started

We have answers.
Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.

Ask a Question.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.


"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather



Get Started


Contents