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 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.)
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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?
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 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
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, 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 the ability to dispute credit reporting errors and to be 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. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- ER Solutions may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- ER Solutions 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.
- ER Solutions cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove ER Solutions From Your Credit Report Today!
Credit Saint can assist you in disputing ER Solutions 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.
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