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How to Settle Debt With ER Solutions

George Simons | January 13, 2025

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

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: To settle debt with ER Solutions, first validate the debt, then negotiate a settlement for less. Get the agreement in writing, and be sure to make your payments on time. Most debt collectors will work with you to resolve a debt matter, and Solo can help you with the process.

Receiving a call or email from a debt collector can be nerve-wracking if you are already going through a challenging financial period. Debt collectors like ER Solutions understand that contacting you for a debt may be stressful, and that is why they often want to help you develop a payment plan if you cannot resume making payments due to financial constraints.

So, do not panic when you receive a call or email from them. Remain calm and engage them in helping you find a solution for the outstanding debt. However, if it is a case of mistaken identity or other inaccurate information, you can clear your name by disputing the debt with them and the three major credit bureaus.

Settle debt with ER Solutions

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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What is ER Solutions?

ER Solutions, Inc. is a legitimate debt collection company with multiple locations. It is a subsidiary of Convergent Outsourcing, Inc., headquartered in Renton, Washington. It has over 1800 employees in its five main call centers to follow up on its clients' outstanding accounts. If you see an entry from ER Solutions or Convergent Outsourcing, you likely have a debt with one of their clients. The following is their contact information:

  • Physical Address: 800 SW 39th St, Renton, WA 98057-4975
  • Visit Website: TSI | Home - TSI
  • Phone Number: (425) 643-3111

Who does ER Solutions collect for?

ER Solutions collects for various companies with challenges getting clients to make payments 3–6 months after failing to update their accounts. After clients transfer your debt information to them, ER Solutions takes over and begins contacting you to make payments. The sectors they provide debt collection services include:

  • Communications
  • Financial Services
  • Government
  • Healthcare
  • Insurance
  • Property Management
  • Retail
  • Travel/Hospitality
  • Utilities

Read ER Solutions reviews online

Consumers have had differing experiences when interacting with ER Solutions representatives. It’s important to approach their calls, letters and emails with the understanding that they are attempting to protect the financial interest of their clients and are not trying to complicate your life.

Additionally, they want to help you find a way to clear your debt without having to take drastic measures such as entering your debt in your credit report or suing you. Drastic actions like that are costly and time-consuming for both consumers and debt collectors, so ER Solutions would prefer to work out an amicable solution.

Here are four platforms to check out what consumers say about them:

How Solo can help

If you receive multiple phone calls and letters from ER Solutions or have had a lawsuit filed against you, don’t give up hope. Rather, we recommend that you take action and discover Solo's resources. We have a simple mission: We want to help consumers and creditors reach solutions that benefit both parties.

To achieve this, we have placed a lot of time and resources to gather critical information that will help you deal with debt collector lawsuits. With this powerful information available, you'll know what you can do and how to protect your rights as you engage debt collectors such as ER Solutions.

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What to know about your rights when contacted by ER Solutions

All debt collection agencies, including ER Solutions, are governed by the Fair Debt Collection Practices Act. This law has several regulations that say what debt collectors may and may not do to collect a debt. Some of the rules include:

  • Debt collectors cannot ever contact you at work.
  • Debt collectors cannot use rude and vulgar language when they talk to you on the phone or in letters.
  • Debt collectors are not allowed to threaten you with lawsuits.
  • Debt collectors cannot call you in your house before 8 am or after 9 pm.

How you can protect yourself if ER Solutions sues you for debts

If you are sued by ER Solutions, it is smart to respond to the lawsuit as soon as you can. Ignoring the lawsuit and hoping it goes away is not a good idea. The lawsuit will still exist, and the debt collection company will win by default if you ignore it. There are things you can do to protect yourself from a default judgment against you.

Below are some smart things to do when you write your Answer:

  • Never admit that you owe the debt. The debt collection company must prove that you owe the debt.
  • File an Answer with the Clerk of Court within the alloted timeframe, which is usually 14-30 days, depending on the state where the lawsuit was filed.
  • Mail your Answer copy to ERSolutions and make sure it is stamped by the Clerk of Court.

Watch the following video for further guidance on how to draft your Answer.

Try these effective affirmative defenses in your Answer

By filing an Answer, you can point out any problems in the allegations listed in the Complaint. Remember that the debt collector has to prove that you owe them the money they allege. This means ER Solutions has to show these things before they can say you owe the debt:

  • The debt collection agency has the right to sue you.
  • You are the one who owes the debt.
  • You owe the money that is stated by ER Solutions in the complaint.

If the debt collection agency does not meet these requirements, you may be able to get the lawsuit dismissed.

Depending on your case circumstances, you could argue that the company did not file the suit before the statute of limitations expired. This is the amount of time someone has to file a lawsuit against another party.

If the statute of limitations has lapsed, you may file a motion to have the case dismissed with prejudice.

What to do if you are sued by ER Solutions

We've covered a lot here, but here's a fast rundown of what to do if you get sued by ER Solutions:

  • Take careful notes when you receive phone calls before 8 am or after 9 pm. Debt collectors are prohibited from calling you before or after regular business hours. They also cannot call you at work or use foul language.
  • Be sure to file an Answer within the proper time frame.
  • In the Answer, you should raise any applicable affirmative defenses, such as the company violating the FDCPA. Also, demand that ER Solutions prove that you owe the amount they say. They also need to prove you are the person who owes the debt.

These are effective methods you can use to win against ER Solutions, especially when the debt is not yours.

How to settle debt with ER Solutions

Debt settlement can help you solve your debt problems with ER Solutions. When exploring debt settlement, take the following steps to ensure a successful resolution.

Step 1: Verify the debt

The first step is verifying that the debt belongs to you and that the other information listed is correct. Send a Debt Validation Letter asking ER Solutions to provide:

  • The name of the original creditor
  • The amount owed
  • The account information that links you to the debt
  • The amount owed and the date of the last activity on the account

Step 2: Make a settlement offer

Calculate what you can pay. Assess your finances to determine a realistic amount that you can afford to pay. Consider offering at least 30-50% of the original debt as your starting offer. Draft the debt settlement offer and contact ER Solutions with the offer. Be willing to negotiate if they respond with a counter offer. Use SoloSettle to make your first offer and streamline the negotiating process.

Step 3: Get a signed copy of a the agreement

Get everything in writing. Once you’ve reached an agreement, make sure you get a written and signed debt settlement agreement that details the agreed settlement amount, confirms that the rest of the debt will be forgiven, and clarifies how the payment will be processed.

To summarize, here are five steps to take to settle debt with collectors like ER Solutions:

  1. Calculate what you can pay. Assess your finances to determine a realistic amount you can afford to pay. Consider offering 30–50% of the original debt as a starting point for negotiations.
  2. Make an offer. Contact ER Solutions with a settlement offer. Be polite but firm. Offer less than your maximum budget to leave room for counteroffers.
  3. Get the agreement in writing. Once you agree on a settlement amount, request a written agreement. Ensure it specifies the payment will resolve the debt in full and that no further collection efforts will be made.
  4. Make the payment. Pay the agreed amount promptly, as per the terms of the agreement. Use a secure payment method and keep records of the transaction.
  5. Monitor your credit report. After payment, confirm that ER Solutions updates your account as “settled” or “paid” on your credit report. If it’s not updated within 30–60 days, follow up.

Negotiating debt settlement requires patience and preparation, but it can provide financial relief and help you move forward. To learn more about these tips and other advice on negotiating with ERSolutions, watch the following video:

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