Enhanced Recovery Company or ERC is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is ERC Collections?
ERC Collections, also known as Enhanced Recovery Company or Enhanced Resource Centers, works on behalf of other companies or banks to collect on debts people have defaulted on.
You may have seen ERC Collections listed on an account that went to collections after your original account got charged-off. In some cases, you won’t see ERC Collections on your credit reports even if the company has contacted you about an account.
There are a number of possible reasons — legit and not — for getting a collections call that you don’t recognize from your credit reports. So whatever the situation, the first thing you should do after you’re contacted by a debt collector is make sure that the debt is yours — and that the debt collector is entitled to collect on that debt.
Dealing with a debt collector can be stressful and intimidating, and the extra layer of confusion about whether a debt collection agency is legit or not just can add to the stress. But don’t let that stop you from standing up for your rights when it comes to debt collection, as laid out by the Fair Debt Collection Practices Act.
To determine whether the debt is legitimate, ask the debt collector to provide written proof. This must include: the debt collector’s information, the amount you owe plus any additional fees, what the debt covers, and the name of the original creditor.
How Enhanced Recovery Company Works
When a company gives up on their attempts to collect unpaid bills, they often sell ownership of the debts to a collection agency, like ERC.
ERC is able to profit off these debts by purchasing them for pennies to the dollar. They then attempt to collect the full amount due from the debtor.
You can expect ERC to contact you by way of persistent phone calls, emails, texts, and letters.
If ERC makes it onto your credit report, it could potentially damage your score for up to 7 years.
As I mentioned above, your credit score helps lenders gauge your trustworthiness, so if you have a low score or no credit history, you’re less likely to either get a loan or one with lower interest rates.
We’ll give you pointers on getting the account removed from your credit report below, helping your score and overall financial portfolio.
Who Does ERC Collect For?
Before we get into how to deal with ERC, it’s important to know who you’re working with.
For starters, ERC may show up on your phone, in your mailbox, and on your credit report under several names, including:
- Enhanced Recovery
- ERC Company
- Enhanced Recovery Co
- Enhanced Recovery Company
- ERC Collections
- ERC Collection Agency
- Enhanced Recovery Corp
- Enhanced Recovery Group
Steps to Remove ERC from Your Credit Report
Getting the dreaded phone call from a debt collection agency or finding a big drop on your credit report can be disheartening.
While it’s important to act quickly to resolve the situation, there’s no need to panic.
With the tips below, you can settle your debts, protect your credit report, and part ways with ERC.
1. Ask ERC for Validation of Your Debt
The Fair Debt Collection Practices Act has another benefit, allowing you to demand evidence that a debt collection agency’s claim is a well-supported one.
Even if you do owe the amount they are requesting, ERC may not have the documentation it needs to validate that the debt and amount are accurate, since it isn’t the original creditor.
This is especially important as identity theft is on the rise. The debt could very likely be fraudulent, leaving you on the hook for someone else’s choices.
You can use this sample debt validation letter to request proof, as long as you do it within 30 days of first hearing from ERC.
Sending in a validation letter could result in the company dropping its charge and removing the account from your credit report altogether.
If ERC has been in contact with you for more than 30 days, you might fare better with a different approach.
2. Consider Making a Partial Payment to ERC
If the company is able to verify your debt or you’ve been in contact with ERC for more than a month, consider paying your debt, at least partially.
ERC may request $100 from you for an unpaid phone bill, but that doesn’t mean they won’t accept less.
Because collection agencies are able to buy debts at such a great rate, they’ll profit even if you negotiate a lower price in exchange for removing the collection account from your credit report.
A good starting point for negotiations is half the total amount you owe ERC. As always, the best practice is to negotiate with the agency by letter so your agreement is documented.
After you send in the agreed payment, you should monitor your credit report to ensure that it is updated accordingly.
If you don’t see a change within 30 days of making your payment, you should check with ERC to make sure they uphold their end of the deal.
3. Get Professional Help Dealing with ERC Collections
Getting ERC removed from your credit report can be a time-consuming and frustrating ordeal.
If you feel in over your head with your credit recovery or you’re simply over the hassle of dealing with ERC, seeking professional help might be a good idea.
Lexington Law has experts who can take on the burden of calling and writing to ERC so you don’t have to.
Since their team is dedicated to solving your credit problems, you can expect them to work quickly and efficiently, leaving little time for the account to do damage to your score.
There’s no reason a forgotten phone bill from years ago should have any effect on your future financial goals.
Whether you choose to write to the agency yourself or work with a company to improve your score, getting ERC removed from your credit report is simple.
Enhanced Recovery Company Ratings
The Better Business Bureau (BBB.org) rated ERC a B and has 944 consumer complaints lodged against them.
The Consumer Financial Protection Bureau (CFPB) records over 7,000 consumer complaints against them.
Both companies recorded complaints in regard to violating the FDCPA (Fair Debt Collection Practices Act)
Enhanced Recovery Company Contact Information
Enhanced Recovery Company
8014 Bayberry Road
Jacksonville, FL 32256
Phone Number: 800-942-0015
Website: http://www.ercbpo.com/help/
ERC FAQs
Can You Remove Enhanced Recovery Company (ERC) Collection Accounts?
We specialize in disputing ERC accounts and have removed them and companies like them for thousands of clients nation-wide. We can help you too.
Does ERC Handle Retail Finance Accounts?
Currently, ERC does not collect on retail finance accounts.
Enhanced Recovery Company (ERC) Payment Online
ERC accepts online payments. Customers can pay online using credit or debit cards. They also accept payments by money order and over the phone.
Enhanced Recovery Company Address
Enhanced Recovery Company’s address is 8014 Bayberry Rd Jacksonville, FL 32256.
Enhanced Recovery Company At&T & T-Mobile
ERC collects debt for a wide range of industries. They’re also one of the largest phone bill debt collectors buying debt from major providers like AT&T and T-Mobile.
ERC Calling Me
If you’re getting calls from ERC, it might be due to outstanding debt. It could also be due to inaccurate reporting. The BBB has closed 923 complaints on ERC in the last three years, 853 related to billing/collections issues.
How Do I Contact Enhanced Recovery Company?
ERC can be contacted by phone at 1-800-383-5979 and requests can be submitted on their website.
Is ERC Located In Jacksonville, Fl?
ERC is headquartered at 8014 Bayberry Rd Jacksonville, FL 32256-7412.
Remove Enhanced Recovery Company (ERC) From Your Report, Today!
In some cases, we recommend speaking with a Credit Repair professional to analyze your credit report. It’s so much less stress, hassle, and time to let professionals identify the reasons for your score drop.
If you’re looking for a reputable company to increase your credit score, we recommend Credit Glory. Call them on ((855) 577-2276) or setup a consultation with them. They also happen to have incredible customer service.
Credit Glory is a credit repair company that helps everyday Americans remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from their credit report. Their primary goal is empowering consumers with the opportunity and knowledge to reach their financial dreams in 2020 and beyond.
Enhanced Recovery Company (ERC) Customer Service (& Debt Collections) Phone Number
800-383-5979
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