Are you being called by Enhanced Acquisition LLC?* Here’s what you need to know.
People fall into major debt for reasons that have nothing to do with financial irresponsibility. They are laid off, become disabled, or experience an expensive setback like a divorce. Once an account goes into arrears, creditors will assign them to third-party debt collectors who will go to great lengths to settle the account, even if it does cross the line into abuse.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, gives consumers the right to dispute a debt and tell a collector to stop contacting them. It also prohibits the use of methods like the following to collect a debt.
- Using profane and obscene language
- Calling you at work after you’ve told them that your workplace doesn’t allow such calls
- Pretending to be police officers or federal agents
- Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
- Telling your friends, neighbors and co-workers that you owe money and they are trying to collect it from you
- Attempting to collect a debt that is in dispute
Company Profile: Enhanced Acquisition LLC
If you are being called by Enhanced Acquisition LLC, information about the company is below.
Enhanced Acquisition LLC is a debt collection office located in Amherst, New York. It was established in 2014, has less than 19 employees, and is managed by Douglas MacKinnon and Mark Gray. It has an F rating with the Better Business Bureau because, according to the website, the owners allegedly “ a network of dozens of fly-by-night collection shops that harass, threaten, and deceive millions of consumers across the nation into paying inflated debts or amounts they may not owe.” Records archived at the PACER (Public Access to Court Electronic Records) website confirm that consumers who believed they were being harassed by Enhanced Acquisition LLC not only refused to pay, they also filed lawsuits.
Alleged Violations against Enhanced Acquisition LLC
According to PACER, in or about December of 2014, Enhanced Acquisitions, LLC reported to the credit bureaus that an Illinois resident owed a purported payday loan debt. She disputed the debt, so the credit bureaus contacted the company in the course of investigating her dispute. Enhanced Acquisitions, LLC verified the debt, expressly representing it as valid. The debt in question was for a payday loan with a rate of interest in excess of 9%, originally from a company that never had a license of any sort from the Illinois Department of Financial and Professional Regulation allowing it to make loans at more than 9%, technically making the debt unenforceable.
Feeling harassed by Enhanced Acquisition LLC, she hired a consumer attorney and filed a class action lawsuit against the company for allegedly violating the FDCPA in the following ways:
The matter was later dismissed.
Hire an Attorney
The phone numbers for this collection agency are:
If you see either one on your caller ID in response to an incoming call, be aware that you are being called by Enhanced Acquisition LLC. If they make damaging and legally unfounded trade lines on your credit report, hire a consumer attorney. If you decide to file a claim against Enhanced Acquisition LLC and ultimately win your case, you may potentially receive $1,000 per FDCPA violation plus court costs and attorney fees. The company’s decision to harass you could turn out to be an expensive mistake for them.
*Case taken from PACER (www.pacer.gov). File number is Case: 1:15-cv-02126 from the United States District Court for the Northern District of Illinois, Eastern Division.
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Enhanced Acquisition LLC, or any other third-party collection agency, you may not be entitled to any compensation.