Is Enhanced Recovery Company Calling You?

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.

Is Enhanced Recovery Company legit?

Enhanced Recovery Company is legit. Therefore, if they are contacting you regarding an alleged debt it should be taken seriously. The BBB notes that Enhanced Recovery Company was established in 1999 and has been accredited by the BBB since 2007. The BBB has awarded them with a B rating notes that Enhanced Recovery Company is an industry that may require professional licensing, bonding or registration, and adds that Enhanced Recovery Company has a license number of CCA090017, issued by Florida Department of Financial Services.

Additionally, Zoominfo notes that Enhanced Recovery Company generates approximately $2 billion in annual revenue. According to its website, Enhanced Recovery Company “is an international business processing (BPO) and full service, end-to-end provider for every aspect of the customer lifecycle, including debt collection.” The company adds that they have been a longtime member of the Association for Credit and Collection Professionals (ACAInternational.org) and are “fully committed to excellence and customer service in all aspects of [their] business.”

Who does Enhanced Recovery Company collect for?

Enhanced Recovery Company explains on their website that they “work on behalf of a number of different creditors and work with clients from many industries including Telecommunications, Utilities, Banks, Cable Companies, Financial Service Providers, Student Loans, etc.”

Enhanced Recovery “is contracted by creditors and in some instances debt purchasers. ERC does not own any of the debts in which [they] service and [they] are not classified as a ‘Debt Buyer’”. The company provides a tab on their website for debtors who want Enhanced Recovery Company to “Stop Calling”. The section of the website explains that “ERC is a debt collection agency. This is an attempt to collect a debt by a debt collector, and any information obtained will be used for that purpose.” It adds that the company is here to help consumers and offer “easy solutions” to resolve the case.

Enhanced Recovery Company also lists its professional affiliations on its website. The company is in good standing with the BBB, TRMA, HIPPA, ACA International, Compliance Professional Forum, QMS Global, PCI, Jax Chamber, and AICPA.

How many complaints are there against Enhanced Recovery Company?

As of June 2023, there are currently 1,090 complaints posted in the last 3 years on ERC’s BBB page, 239 of which were posted in the last 12 months. The complaints deal majorly with using “illegal software to track personal information”, reporting credit that is not owed by the debtor, and sending personal information to third parties. Additionally, Enhanced Recovery Company has received 214 Google Reviews, awarding the company a 2.1 star review overall.

Enhanced Recovery Company Contact information

• Address: 8014 Bayberry Rd Jacksonville, FL 32256-7412

• Telephone: 800-942-0015

• Website: https://ercbpo.com/help/

Can Enhanced Recovery Company sue me or garnish my wages?

Enhanced Recovery Company can sue you or garnish your wages, but only with legitimate reason to do so. The collections company cannot simply make empty threats to sue or garnish your wages, as this would be a violation of federal law. While it is illegal for a debt collection company to take this action, some collections companies will still take advantage of alleged debtors, proceeding to summon them to court and garnish their wages, even if the consumer does not owe the alleged debt. Given this risk, the wisest decision as a consumer or alleged debtor would be to acquire legal help to assist with resolving your case.

Can I sue Enhanced Recovery Company for harassment?

You can sue Enhanced Recovery Company for harassment and you should if you wish to enforce your rights and recover money for the collection company’s violation. In fact, the Fair Debt Collections Practices Act (FDCPA) protects consumers like you, awarding damages of up to $1,000, plus attorney fees and court costs to victims of wrongful collections practices. Take advantage of the federal laws that are meant to protect consumers like you, and contact an attorney if you are at risk.

How often can Enhanced Recovery Company call?

Enhanced Recovery Company can call, but only within the regulations set by the federal government. The current enacted laws are meant to protect consumers from repetitive phone calls from debt collectors.
Most recently, in November 2021, the CFPB’s Debt Collection Rule clarified that a debt collector is presumed to have violated the law if they place a telephone call to you about a particular debt

• More than seven times within a seven-day period, or
• Within seven days after engaging in a telephone conversation with you about the particular debt.

Importantly, if Enhanced Recovery Company’s violation does not fall within the aforementioned violation, you can still sue if the collector’s phone calls are intended to harass, oppress, or abuse you.

How to stop Enhanced Recovery Company calls?

Yes, you can stop ERC from making calls by filing a complaint, and obtaining assistance from an attorney. By utilizing the Fair Debt Collections Practices Act (FDCPA), consumers can protect themselves from improper collections practices by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. Consumers also receive additional protection under both the FCRA, the Telephone Consumer Protection Act (TCPA), and the Consumer Financial Protection Act (CFPA). You may have a case if…

• You are receiving multiple calls per week from third party collection agencies.
• You are receiving early morning or late night calls from debt collectors
• You are receiving calls at work from a debt collection agency
• Debt collectors are calling your family, friends, neighbors, or coworkers
• Collectors are threatening you with violence, lawsuit, or arrest
• A debt collector attempts to collect more than you owe
• You are being threatened with negative credit reporting
• A debt collector attempts to intimidate you
• Criminal accusations are being made towards you
• Use of obscene language during an attempt to collect
• Automated robocalls are being made to your phone in an attempt to collect

Does Enhanced Recovery Company hurt my credit score?

Enhanced Recovery Company can hurt your credit score if they have reported your alleged debt to a credit reporting agency. If they have already reported the alleged debt, or you fear that they might, you can remedy the harm by contacting an attorney for assistance.

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.