Enterprise Collections

Who is Enterprise Collections?

Enterprise Recovery Systems, Inc. (ERS) was a debt collection agency located in Woodridge, Illinois. They have officially changed their name to Alltran and have locations in Houston and Bryan, Texas and also in Tulsa, Oklahoma.

You may see Enterprise Collections listed on your credit report as a collections account. This can happen if you didn’t pay a bill.

Who does Enterprise Collections collect for?

Enterprise Collections collects debts for various financial institutions including banks and credit unions, credit card companies, auto and mortgage lenders, online lenders, student loan lenders. They also collect debts such as court fees, parking, taxes, and tolls.

Is Enterprise Collections legit or a scam?

Enterprise Collections 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 Enterprise Collections from my credit report?

Enterprise 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.)

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help 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.

Alltran / Enterprise Collections Contact Information

Address:

Enterprise Collections
5800 N Course Drive
Houston, TX 77072-1613

Phone number: (713) 977-1234 or (800) 568-0399

Should I contact or pay Enterprise Collections?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with Enterprise Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Enterprise Collections on behalf of their clients.

Will Enterprise Collections sue me or garnish my wages?

Enterprise Collections, like any other debt collection agency, is legally entitled to sue you for an unpaid debt. If a court judgment is obtained against you, they might then be able to garnish your wages, levy your bank account, or take other actions to recover the debt, subject to the laws in your state.

However, lawsuits and wage garnishment are typically a last resort for most debt collection agencies due to the costs and time involved. The decision often depends on the amount of the debt, the likelihood of collection, and the specific policies of the collection agency.

Enterprise Collections 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, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.

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 Enterprise Collections

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

• It is a violation of federal law for Enterprise Collections to report inaccurate or incomplete information about you.
• You have a legal right to request debt validation on an alleged debt. Send the collection agency 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.
• Enterprise Collections may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• Enterprise Collections 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.
• Enterprise Collections cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Enterprise Collections From Your Credit Report Today!

Credit Saint can assist you in disputing Enterprise collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

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 or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.