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?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
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. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
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
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Enterprise Collections
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Enterprise Collections cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Enterprise Collections must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Enterprise Collections cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Enterprise Collections From Your Credit Report Today!
Credit Saint offers assistance with disputing Enterprise collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
