ER Solutions


Is ER Solutions hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is ER Solutions, Inc.?

ER Solutions, Inc. is a debt collection agency located in Wixom, Michigan. It’s a subsidiary of Convergent Outsourcing, Inc. located in Renton, Washington.

You may see ER Solutions or Convergent Outsourcing on your credit report if you have defaulted on a financial obligation, such as a credit card, utility bill, or a healthcare invoice.

Who does ER Solutions collect for?

ER Solutions provides a broad range of collection services across multiple industries. Their client list includes banking institutions where they handle delinquent loans or overdrafts, cable and satellite companies for unpaid services, and healthcare providers for unpaid medical bills. In addition, they work with telecommunications, utility, and wireless providers,

Is ER Solutions legit or a scam?

ER Solutions 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 ER Solutions from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

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

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

Ready to Raise Your Credit Score?

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Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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.

ER Solutions, Inc. Contact Information


ER Solutions, Inc.
800 SW 39th St Suite #100
Renton, WA 98057

Phone number: (800) 444-8485

Should I contact or pay ER Solutions?

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 Credit reports can contain errors or list debts that are no longer valid.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 ER Solutions is to work with a credit repair professional. They help remove millions of negative items every year from companies like ER Solutions on behalf of their clients.

Will ER Solutions sue me or garnish my wages?

ER Solutions, Inc. does have the ability to sue you in court to collect the debt if it remains unpaid. If the court rules in their favor, they may receive a judgment allowing them to garnish your wages, levy your bank account, or seize other assets, depending on the laws in your state.

However, keep in mind that lawsuits and wage garnishments are typically last resorts for debt collectors and not the initial steps taken. They often prefer to work out a payment plan or settlement directly with you, as legal action can be time-consuming and costly.

ER Solutions, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassing phone calls, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with ER Solutions, Inc.

ER Solutions must abide by state and federal laws in the United States. 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 ER Solutions 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.
  • ER Solutions cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • ER Solutions 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.
  • ER Solutions cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove ER Solutions From Your Credit Report Today!

Credit Saint can help you dispute ER Solutions accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.