Are you being called By ER Solutions, Inc.?* Here's what you need to know.
If you miss a certain number of debt payments, your creditor will eventually turn the account over to a collection agency. Debt collectors will use different types of scare tactics to get you to pay, hoping you will never realize that their actions are giving them grounds to sue them.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to prevent third-party debt collectors from using threats, intimidation and other means to coerce money from consumers. Under the FDCPA, tactics like the following are illegal:
- Demanding outrageous amounts that exceed the amount of the original debt
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Discussing the debt with anyone except you, your spouse, or your attorney
- Using profane or obscene language
- Pretending to be police officers or federal agents to frighten debtors into paying
- Reporting false information to the credit bureaus
Company Profile: ER Solutions, Inc.
If you are being called by ER Solutions, Inc. information about the company is below.
ER Solutions, Inc., which also does business as Convergent Outsourcing, is a collection agency located in Renton, Washington. It was established in 1999, has over 1,000 employees in five different call centers, and is managed by its President, Stephen Hunter. According to records retained at the PACER (Public Access to Court Electronic Records) website, several consumers who believed they were being harassed by ER Solutions, Inc. ended up taking the agency to court.
Alleged Violations against ER Solutions, Inc.
According to PACER, in late 2011, ER Solutions, Inc. started calling a Florida resident on her cell phone to try and collect a T-Mobile debt. During a conversation on August 22, 2011, she demanded verification of the debt and told the company to stop calling her. Despite this request, the calls allegedly continued, sometimes more than once on any given day. On October 17, she sent ER Solutions, Inc. a letter disputing the debt and repeating her demand for no more contact, but the communications persisted.
Feeling harassed by ER Solutions, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA by causing her phone to ring constantly and to an extent intended to cause annoyance.
The matter was later settled.
Hire an Attorney
The phone numbers for this collection agency are:
If either one shows up on your caller ID when the phone rings, it means that you are being called by ER Solutions, Inc.. If they keep calling you after you have sent a cease communications request, hire a consumer attorney. If you decide to file a claim against ER Solutions, Inc. and win, you could be awarded $1,000 per violation as well as attorney's fees, court costs, and any actual damages. Standing up for yourself when a debt collector goes too far can literally pay off.
*Case taken from PACER (www.pacer.gov). File number is Case 9:12-cv-80047-DMM from the United States District Court for the Southern District of Florida, West Palm Beach 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 ER Solutions, Inc., or any other third-party collection agency, you may not be entitled to any compensation.