When collection agencies are calling every day, it can be so stressful that you might be tempted to file for personal bankruptcy. Before taking that step, however, see a consumer lawyer, as debtor harassment is illegal and you have recourse to fight back.
Your Rights Under the FDCPA
In 1977 Congress passed the Fair Debt Collection Practices Act, or FDCPA to protect people from unethical debt collection practices. Today, tactics like those below are illegal and can incur serious consequences.
● Calling at inconvenient times
● Telling you that you will be arrested if you don’t pay
● Cursing at you
● Ignoring your written dispute
● Making threats they cannot legally carry out
● Refusing to validate the debt
Company Profile: Enhanced Recovery Company
If you are being called by Enhanced Recovery Company, here is some more information on the agency and its background.
Enhanced Recovery Company, which is a subsidiary of Laurus International, is a collection agency in Jacksonville, Florida. The company opened for business in 1999, has approximately 4,000 employees, and is managed by Mark Thompson. It has a B rating with the Better Business Bureau. The PACER website records confirm that those who felt that they were being harassed by Enhanced Recovery Company took their case to court.
Alleged Violations against Enhanced Recovery Company*
According to PACER, in or around November 2008, Enhanced Recovery Company allegedly contacted a Colorado consumer about a debt owed by her daughter. She said that the debt was hers and to not call back, but the company allegedly continued to call her. The daughter finally told Enhanced Recovery Company that she was not going to pay the debt and to stop calling, but her mother continued to get calls.
Feeling harassed by Enhanced Recovery Company, the consumer sued the agency for harassing her by phone.
The case was later dismissed.
Hire a Consumer Lawyer
The phone numbers for Enhanced Recovery Company are:
If they appear on your caller ID at any time, it means that Enhanced Recovery Company is trying to call, possibly about a relative’s debt. If they keep calling after you tell them that the debt is not yours, hire a consumer lawyer and file a claim against Enhanced Recovery Company. You could receive compensation of $1,000 per FDCPA violation. When a collection agency refuses to believe that you are the wrong person, going to court can prove them wrong.
*Case taken from PACER (www.pacer.gov). File number is Case 1:11-cv-00509-MSK-MJW from the United States District Court for the District of Colorado.
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 Recovery Company or any other third-party collection agency, you may not be entitled to any compensation.