When loans are defaulted or creditors fear they won’t see their money again, companies often sell their unpaid debts to collectors. Collectors are much more aggressive and will take further action to get you to pay them. However, many debt collection agencies have been known to harass consumers and use unfair or deceitful practices.
In defense of consumers, the Fair Debt Collection Practices Act (FDCPA) was enacted in 1978 by the Federal Trade Commission to stop the harassment and unfair practices. It is a violation of a debt collection agency to do many things that impose on your rights, including:
- Call you before 8:00 a.m. or after 9:00 p.m. without your permission
- Call you at work without your permission or if your boss doesn’t allow it
- Call you at any other time you told them was inconvenient for you
- Give anyone else (including family members) your personal information or even tell them you owe a debt
- Threaten legal action they can’t take or don’t intend to take
- Lie about who they are or the amount you owe
Enhanced Recovery Services headquarters is located in Jacksonville, Florida with satellite offices in Orange Park, Florida, Waycross Georgia, Spearfish and Dakota Dunes, South Dakota, and West Des Moines and Iowa City, Iowa. With over a thousand employees, the company manages millions of accounts all over the country in cable, internet, cell phones, utilities, banks, home equity and automobile loans.
What to Do if Enhanced Recovery Services is Trying to Collect a Debt from You
If you don’t want to be called or receive mail from Enhanced Recovery Services, you have the right to stop contact. The request needs to be submitted in writing. They are only allowed to contact you for two reasons after a stop contact request. They can tell you they won’t contact you again or they can take an action against you, like file a lawsuit. Make sure to record the date and time of every call or letter you receive.
If Enhanced Recovery Services every summons you to court, never ignore your summons. If you don't show up for your trial, the judge will be forced to automatically default the case and punish you financially. A judge can order your bank account to be frozen, your bank to pay collection services without your approval, your wages garnished, and more.
You should contact a qualified FDCPA lawyer as soon as you think you’ve been violated or treated unfairly. An attorney will:
- Take all calls from Enhanced Recovery going forward
- Examine your evidence to determine if you have a lawsuit
- Try to get you the money you deserve, which is up to $1,000 per violation, plus damages and lawyers’ fees
Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Enhanced Recovery Services or any other third-party collection agency, you may not be entitled to any compensation.