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Posted: Mon Jul 25, 2005 4:57 pm Subject: ERSolutions - Anyone know??

Good evening all,
Recieved a letter today, from an ERSolutions.
Claiming that I owe an Asset Acceptance compay a bit under 2 thousand dollars.

Problem is, I've NEVER dealt with either company, so I know I do NOT owe money to either one. Interestin though, in that the individual the letter is addressed to is NOT me. If it was, then they never bothered to learn how to spell, because the last name is NOT mine.

I'm intent on sending a letter back, letting them know of several errors made, as well as requesting that they prove what is a fraudulent claim on their part. And can prove it with information I've seen, and printed out from online.

Information is appreciated.
Thanks,

Keith

Posted: Wed Jul 27, 2005 3:31 pm Subject:

Hi Keith,

Welcome to the forums.

Two possibilities are there, behind the letter.
First is that, you really have the loan and you are forgetting it and secondly some one is trying to impose it over you. Whatever be the reason, you have full right to know the source of your debt. You have the Fair Debt Collection Practices Act and debt validation rules beside you.

As you have mentioned that you never dealt with the companies and the last name letter is addressed to, is not also yours you can surely ask the reason of such a letter. And if you can prove their fault, they will remain legally bound to compensate you.

The right procedure will be sending them a letter first, as you have decided. You can also post some complaints to some sites including the letter you got.

Hope the information will help you,

Regards,
Bryan

TPM1047@aol.com · Posted: Fri Aug 05, 2005 8:04 pm Subject: ersolutions-Pablos

My brother received a number of calls from this very rude person, he lives in another state in another state from where I live. I received a message and called back and talked to this extremely large A-Hole.who threated me and other such things about a debt that is seven years old and was my exe"s. That was two days ago. My brother in another state, today received 13 calls from someone that is too rude to leave a message each time he called! Gee I wonder who!!

Posted: Sat Aug 06, 2005 4:11 pm Subject:

HI TPM1047

Welcome on the debt consolidation Care board. You and your brother have the federal rights to stop all the collection calls coming at your end. As per The Fair Debt Collection Practices Act, the bill collectors are restricted from imposing harassments on any consumer. As it is a federal law, so it is put into effect in all the 50 states in US. Under the Section 806, the debt collector is restricted from involving in any kind of repeated personal contacts with a consumer with such frequency to harass him.

You and your brother should notify the debt collector in writing to stop all the communications and they are required to follow it after receiving your letter. This will include both the phone and mail contacts. It will be a wise move if you can send your written notice through certified mail and requesting return receipt.

There are some bill collectors who are persistent despite the law. The Federal Trade Commission will be a true help for those helpless consumer and hope for some soothing help at their toll free number FTC (1-877-FTC-HELP).

Regards
Roxette

Posted: Wed Aug 10, 2005 6:16 pm Subject:

Sent back the letter I recieved.
I also included a second letter, stating the person named didn't exist at the address shown, that I never dealt with either company listed and requesting they validate their claims first.

Waiting to see what, if anything happens.

Learning more every time I check in, as to what I need to do, and how to proceed with fighting back!

Posted: Thu Aug 11, 2005 3:58 pm Subject:

Kchahn - let's wait for the reply. It's nice that you learn something new in this forum. This forum is a LIFE SAVER

Posted: Thu Aug 11, 2005 4:49 pm Subject:

Only wish I would have discovered this MUCH earier!!
Like about a year or so! Had major problems with what I still firmly believe was an illegal garnishment.

Knew absolutely nothing about it until I got to work one day. Stole about $1500, that I'd like to attempt to recover, plus additional damages, from BOTH parties involved.

If I'd have known about this site then, I could have taken necessary actions by fighting back!! Have an idea, that I was thingiong about during work last night. Just don't know if what I'm thinking would be possible for me to do. Maybe another thread for a different time.

Posted: Thu Aug 11, 2005 5:30 pm Subject:

I just prey that everything works nicely at your end. Please do keep me updated about this matter. Very Happy

Posted: Thu Aug 11, 2005 5:54 pm Subject:

They could not do much after I walked off the job, for other reasons!! Now, I'm just interested in finding a way to get my money back. Am thinking of filing a lien against all parties involved, in a possible attempt to recover the money stolen from me. Need to locate information on the subject though.

Keith

Posted: Sat Aug 13, 2005 8:02 pm Subject:

Ok, Got another "settlement" letter from ERS.
Almost fell outta my chair when I glanced at it!
Said they will accept 60% of the account. Of course, they want $1,187.50 in 14 days.

It'll take me 8 MONTHS to attempt to save that much!
I'm lucky, after paying truck payment, insurance, phone and DirecTV service, if I have $200 left over, and I gotta start paying part of that bvack to my folks!!

Interesting in that absolutely NOTHING has been mentioned about the incorrect name etc......on the letter recieved. Still states the wrong last name and/or the incorrectly spelled last name.

The letter recieved shows asset acceptance llc as the creditor, and a balance owed of $1,979.16, which is NOT the case. I do not owe either company the money stated. Will send one last letter, requesting validation, etc........from the various letters suggested here.

What would I do next, if requested information is not recieved, which I'm doubting it will be??
Thanks againn for the information!!!
Folks have been MOST helpful!!

Keith

Posted: Mon Aug 15, 2005 1:42 pm Subject:

Hi Keith

I believe this letter from ERS is incorrect. You definitely need to ask for debt validation and see if it is shown legitimately.

If they do not reply to your validation letter and still keep calling you, you have the right to take legal action and sue them up to $1000 as per the Consumer protection afforded by the fdcpa Section 809 (b).

Regards
Roxette

crparker · Posted: Tue Aug 16, 2005 3:30 pm Subject: ERS letter

I received a letter today correctly addressed to me from ERS indicating I owed them $262.33 on a Cingular Wireless account. I have never had a Cingular phone, it is not even available in my area. They are willing to settle in 14 days for $209. What is this?

Posted: Tue Aug 16, 2005 3:49 pm Subject:

Hi crparker

Welcome to the forums. You should pull your latest credit report and check if the said account is shown in your credit report. As you say that you never used a Cingular phone, this will not appear in your credit report.

You can ask your creditors to validate the said debt providing complete details of the accounts. As per the fdcpa law, they are required to prove this debt with all the necessary information.

http://www.debtconsolidationcare.com/validation.html

If the said debt is not legitimate and the creditors report it inaccurately to the bureaus, it is defamation and will result in financial injury. You can fine them up to the extent of the damages incurred by the wrong party as deemed by the court.

Regards
Roxette

Posted: Fri Aug 26, 2005 3:35 pm Subject:

Was finally able to draft a validation request letter.
Work and daily life kinda got in the way!! Anyway....I ended up sending out 2 validation requests to two seperate companies, stating I owed them money.
Also sent a request for information on an account that was canceled by the collection agency dealing with it.
And they sent notice within 2 weeks of recieving my validation request!
Now, the wait begins to see what becomes of the letters mailedout today, Aug 26.