Enhanced Recovery Company (ERC)

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

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Enhanced Recovery Company?

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.

Is Enhanced Recovery Company on my credit report?

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

Who does Enhanced Recovery Company collect for?

ERC buys debt from banks, lenders, credit card companies, major telecommunication companies such as AT&T and Sprint, and others.

Is Enhanced Recovery Company legit or a scam?

Enhanced Recovery Company is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Enhanced Recovery Company 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.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

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

In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Enhanced Recovery Company, LLC Contact Information


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

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

Should I contact or pay Enhanced Recovery Company?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with Enhanced Recovery Company is to work with a credit repair professional. They help remove millions of negative items every year from companies like Enhanced Recovery Company (ERC) on behalf of their clients.

Will Enhanced Recovery Company 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 Enhanced Recovery Company debt 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.

Wage Garnishment

Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a third-party debt collector to threaten to garnish your wages.

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

Is Enhanced Recovery Company hurting my credit score?

Any derogatory item on your credit report, including a collections account, may harm your credit score.

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

To get an account removed, you must file a separate dispute with each credit bureau; Equifax, Experian, and TransUnion, or it can negatively impact your credit score.

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 phone 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). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Enhanced Recovery Company (ERC)

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. 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 about you.
  • 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 may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Enhanced Recovery Company 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 cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Enhanced Recovery Company From Your Credit Report Today!

Lexington Law Firm can assist you in disputing Enhanced Recovery Company collections. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.