How to Remove Enhanced Recovery Company (ERC) from Your Credit Report

Is Enhanced Recovery Company (ERC) hurting your credit score?

Lexington Law has helped millions of customers remove collections and other negative items from their credit reports. Let them help you too!

Who is Enhanced Recovery Company (ERC)?

Enhanced Recovery Company, LLC (ERC), aka Enhanced Resource Centers, is a debt collection agency located in Jacksonville, Florida. They also have US locations in Orange Park, Florida and Waycross, Georgia, and several international locations.

ERC buys debt from major telecommunication companies such as AT&T and Sprint.

Enhanced Recovery Company may appear on your credit report as any of the following entries:

  • enhanced rec co
  • enhance recovery services
  • enhanced recovery
  • enhanced recovery co
  • enhanced recovery corp
  • enhanced recovery group
  • erc collection agency
  • erc collections
  • erc company
  • payerc com
  • www.payerc.com

How can I remove Enhanced Recovery Company (ERC) from my credit report?

ERC collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)

Lexington Law Firm is a professional credit repair company that helps people fix their credit.

In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, judgments, tax liens, and bankruptcies.

Call Lexington Law now to learn more: (800) 220-0084

Enhanced Recovery Company, LLC Contact Information

Address:

Enhanced Recovery Company, LLC
8014 Bayberry Rd
Jacksonville, FL 32256-7412

Website: https://www.ercbpo.com

Phone number: (904) 807-5200 or (800) 383-5979

Should I contact or pay Enhanced Recovery Company (ERC)?

Nothing good can come from contacting a collection agency like ERC. And making payments on the collection account will reset the clock. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the collection account, especially if it’s new and you’re sure that it’s legit.

The best way to deal with ERC is to work with a professional credit repair service. They have deleted millions of negative items from companies like Enhanced Recovery Company (ERC) for millions of clients nationwide.

And they can help you too.

Will Enhanced Recovery Company (ERC) sue me or garnish my wages?

It’s possible, but you have nothing to worry about if you work with a law firm like Lexington Law. They will help you dispute the collection account with the credit bureaus and possibly get it removed from your credit report. It’s also quite possible that you will never hear from or have to deal with Enhanced Recovery Company (ERC) again.

Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.

Wage Garnishment

Some states allow wage garnishment, while others do not. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.

It is also illegal for Enhanced Recovery Company (ERC) to make any claims they cannot or will not follow through on – this includes threatening to sue you or foreclose on your home.

Enhanced Recovery Company (ERC) Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, repeated debt collection calls, or failure to verify a debt. If you find yourself facing any of these situations with Enhanced Recovery Company, you should also consider filing a complaint.

Despite hundreds of complaints, Enhanced Recovery Company, LLC currently has a ‘B’ rating with the BBB.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and Enhanced Recovery Company (ERC) does too.

How Collections Affect Your Credit

Missed payments over several months will cause a hit to your credit score. With a collection account on your credit report, it will reduce your ability to qualify for new credit even more.

Debt purchasers often buy and sell delinquent debt from one another, so this can lead to multiple collections showing on your credit reports for the same account.

When this happens, if you don’t dispute the accounts with the credit bureaus and get them all removed, they will harm your credit score.

Your Rights When Dealing with Enhanced Recovery Company (ERC)

There are strict regulations about what a debt collector can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. In addition, the FDCPA and other federal laws provide you with many rights to ensure that a debt collection agency doesn’t take advantage of you. In particular:

  • It is a violation of federal law for Enhanced Recovery Company, LLC to report inaccurate or incomplete information on your credit report.
  • Request debt validation. Under the FDCPA, you have the right to validate the alleged debt. Send Enhanced Recovery Company a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Enhanced Recovery Company (ERC) may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Enhanced Recovery Company (ERC) must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Enhanced Recovery Company (ERC) cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.

More Tips on Dealing with Enhanced Recovery Company (ERC)

Avoid the phone. NEVER talk to a debt collector on the phone. The less they know about you, the better.

Politely tell them it’s your policy to deal with everything in writing. Request a letter with the original debt information and then hang up. If they continue with the harassing phone calls, send them a cease & desist letter.

Record their phone calls. If you must deal with a debt collection agency on the phone, record them. Thirty-five states and the District of Columbia allow you to record your phone conversations secretly.

In the other 15 states, you can record with the other party’s permission. If you tell the debt collector you are going to record, and they keep talking, that’s considered giving permission. They will usually hang up.

Don’t believe what they say. Collection agencies are known to make false threats, lie, and tell you whatever they need to tell you to get you to pay the debt.

Don’t attempt to hide money. Hiding money or assets from a legitimate debt collector is illegal if you owe them. However, it’s also best to avoid giving access to your bank account or credit card information.

Don’t apply for new lines of credit. It’s also considered fraudulent to apply for new lines of credit if you are unable to pay your current creditors.

Don’t ignore them. You can do things on your terms, but ignoring the situation will not make ERC go away. Ignoring them sets you up for a possible lawsuit.

Know Your State’s Statute of Limitations. Each state has a statute of limitations on debt. Once your debt reaches a certain age, it is considered “zombie debt,” and you are no longer legally obligated to pay it. The age limit varies from state to state, but it’s typically around 4-6 years.

A debt collection company is still allowed to contact you about these debts, but they can no longer sue you for them, and you are not required to pay them.

Remove Enhanced Recovery Company (ERC) from Your Credit Report Today!

Lexington Law Firm specializes in disputing Enhanced Recovery Company collections. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.

If you’re looking for a reputable company to help you with collection accounts and repair your credit, we highly recommend Lexington Law.

Call them at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.