Who is Express Recovery Services?
Express Recovery Services, Inc. (ERS) aka Clear Management Solutions is a debt collection agency located in Salt Lake City, Utah. They specialize in recovering past-due payments on behalf of their clients.
If you find Express Recovery Services listed on your credit report as a collections account, it typically signifies an unpaid bill that has been transferred to them for collection.
Who does Express Recovery Services collect for?
Express Recovery Services primarily serves clients within the healthcare and utility sectors. These industries often deal with consumers who might delay or default on payments for services rendered. When internal recovery efforts are unsuccessful, these companies enlist agencies like Express Recovery Services to help recover the owed funds.
Is Express Recovery Services legit or a scam?
Express Recovery Services is a legitimate debt collection 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 Express Recovery 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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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.
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Express Recovery Services, Inc. Contact Information
Express Recovery Services, Inc.
2790 Decker Lake Dr.
West Valley City, UT 84119
Express Recovery Services, Inc.
PO Box 26415
Salt Lake City, UT 84126
Phone number: (800) 238-5888 or (801) 486-4182
Should I contact or pay Express Recovery Services, Inc.?
It’s best to avoid speaking to a debt 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 Express Recovery is to work with a credit repair professional. They help remove millions of negative items every year from companies like Express Recovery on behalf of their clients.
Will Express Recovery Services, Inc. sue me or garnish my wages?
Express Recovery Services, Inc., like other debt collection agencies, has the legal authority to file a lawsuit against individuals who owe an unpaid debt. If they win the lawsuit and obtain a judgment against you, they might be able to garnish your wages or levy your bank account, depending on the laws in your state.
However, it’s important to remember that the decision to pursue legal action usually depends on factors such as the size of the debt, the likelihood of collecting the debt, and the specific policies of the collection agency. Legal action and wage garnishment are often last-resort measures due to the cost and time involved.
Express Recovery Services, 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, 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 Express Recovery Services, Inc.
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 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 Express Recovery Services, Inc. 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.
- Express Recovery Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Express Recovery Services 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.
- Express Recovery Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Express Recovery From Your Credit Report Today!
Credit Saint can assist you in disputing Express Recovery collections. 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.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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