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?
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.
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Express Recovery Services, Inc. Contact Information
Address:
Express Recovery Services, Inc.
2790 Decker Lake Dr.
West Valley City, UT 84119
Mailing address:
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.
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
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 Express Recovery Services, Inc.
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 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Express Recovery Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Express Recovery Services 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.
- Express Recovery Services cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Express Recovery From Your Credit Report Today!
Credit Saint offers assistance with disputing Express Recovery collections. 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.
