Enhanced Recovery Corporation - Is it a good collection agency?

Jilly1

I'm just curious. How old is the debt, exactly, and when was the last payment you made on it. I'm just curious about the statute of limitations on it.

As I understand it, the CA is violating the fdcpa by still attempting to collect on the debt while you are awaiting validation. If I'm incorrect on this, someone please correct me. Did you send it certified mail return receipt requested? Do you still have the signature cared? How long ago did you send it?

Operating under this assumption (requesting debt validation), I would not have paid anything until the debt was properly validated. The only question would be is if you did actually send the DV letter CMRRR, otherwise the CA could claim they never received it. If that's the case, you could certainly try sending another one CMRRR.

I most certainly would not have made any kind of payment on the second offer until I had received it in writing. It just seems strange he is authorized to make the offer over the phone, if you pay immediately, but he cannot send you anything in writing. My "Bull-Poop" alarm would be going off on that one.

I know I didn't tell you whether or not you did the right thing; the decision is ultimately yours. I do hope I did give you some helpful information. I'm sure someone that knows a little more will jump in soon and offer some advice too. Hopefully correct any incorrect information I might have given out also.

Contact info to mail debt validation letter.

Licensee Name: ENHANCED RECOVERY CORPORATION
License Type: CCA
Status: Active
Audit: CCA 0701000
Reg. License ID: LI00000423683
Initial Effective Date: April 18, 2003
Expiration Date: December 31, 2007
Disciplinary Action Indicator: None
Branch Number: 000000

Business Address: 8014 BAYBERRY RD

JACKSONVILLE
32256
Phone Number: (904) 645-0049
E-Mail Address: None
Mailing Address: 8014 BAYBERRY RD

JACKSONVILLE FL
32256-7412

Enhanced Recovery Corporation Fax Number: 904-448-1901

This web address is for the government division that regulates them in Florida.
http://www.flofr.com/Director/complaints.htm
Also you can file with the Florida Attorney Generals office.
www.myfloridalegal.com

this company has called my phone and left me as many as 22 messages which filled up my mailbox and they were unable to leave another message they are borderline harrasement!

this company has called my phone and left me as many as 22 messages which filled up my mailbox and they were unable to leave another message they are borderline harrasement!

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there are only a few states where a VOD letter is required to be sent upon the consumer's request even after letters have been sent before

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Please go to the FTC website for information about Validation What does the debt collector have to tell me about the debt? Every collector must send you a written ???validation notice??? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don???t think you owe the money. http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

Actually it says that the CA has to get the validation from the original creditor and then mail that info to the consumer. Some states (like Texas) give more teeth to requesting validation. Some places will ignore it or try to say you are over your 30 days. Ignore that! It boils down to one simple fact: If this were to be brought before a judge, the CA would HAVE to provide detailed validation if asked for in Discovery.

The best way to deal with all the calls is to speak with them long enough to confirm your mailing address (since they now have 5 days to mail you a dunning letter) and to get thier contact information. If your state allows, you should record that conversation since if they refuse to disclose their contact information that right there is a violation since by law they have to give you that information! Then you send a debt validation letter that includes a statement to cease all phone calls. If they continue to call after that they are violating twice, once for collecting while under a validation demand and second for calling after you instructed them not to.

It's funny about all of the misinformation given on this "bash the collection agency because I owe a debt" site. I know FDCPA like I know my ABCs and you guys are tripping me out thinking you know everything. Ha!
Did you take the advise? What was the outcome? lol...Pay your bills and you won't have to worry about any of this stuff....stop dodging phone calls and you wont have to worry about any of this stuff and lastly, all collection calls are monitored and recorded. If you wanted the settlement then you should have taken advantage of it. You can always reference back to the day and time of the call. I use to work for a CA so I know. I also use to be in debt and working for a CA has helped me pay my bills current. If you want to know, get educated by someone who has been through it and knows what they are talking about. Maybe you spoke wiht someone new and they really didn't know how to handle the call. Think outside the box people. Good luck. and for the lady who said this company has called her 22 times, out of the 22 times, how many times were you avoiding the call. How many days did that number 22 fall under. Learn your laws too.

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I just love people like the unregistered guy above. Obviously he/she/it needs to be the one to educate themselves on debt law. Sheesh. Settlements are all fine and good with a VALIDATED debt. Also, if they are not willing to put it in writing it seems to me they are the ones not showing good faith...really, why would they not put it in writing unless they had no intention of honoring their own settlement offer. This company is a fraud.

i use to work for these guys they are fishy and if i had a attorney i would sue becasue i am sure they are doing something worng but not sure what. The stress they put on workers to make those numbers is unreal. They are walking folks out the door left and right for not making the company enough money. ERC has a few offices they have on in south georiga 2 in north east florida and 1 in the carribeans or something. These people are crooks but they are a legit company. How paper work gets handled and everything is a joke. How they be calling is illegal they just get away because they dont leave messages on your machine when they call but hey if you guys need any help closing them down reply back and i would be glad to help you take them and there 3 multi millionaire 30 and 40 plus owners down. The nerve of them to drive bentleys to the office when they under pay everyone. Alot of folks who work for them cant even afford to eat lunch everyday but keep that job just because the economy sucks and they brain wash there employees.....YOUR SETTELEMENT OFFER WILL CHANGE WITH EVERY COLLECTOR YOU TALK AS I SAID BEFORE THEY ARE TRYING TO GET THERE STATS UP THEY WILL SETTLE AS LOW AS 50% CAN AND WILL BUT THEY GOTTA GET THE OK FROM THE GENERAL MANGER

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Before I started working for ERC i felt the same about all collection agencies....after working there and learning all of the Ins and outs of this job most of the info you hae posted is incorrect...different states has different rules per the FDCPA...if you have any questions about how things can be handled in your state...look up your state laws concerning debt collection acts....

Actually the FDCPA CANT be replaced by any state laws....generally state laws enhance (if there are any) many states simply use the federal laws, though some states (like Texas) have laws that go above and beyond the federal level.

Harrassement is Clearly outlined by the Law. All collection agency's as in all life have good and bad people. This collection agency may have more bad than good. They have taken my Settlement in Full out of my account twice and are having difficulty returning it. I paid the account so it would not end up on my credit report because my husband has been able to delay court again. I have very good credit and work at a collection agency. This company is the bad guy.

Its funny how eveyone gets on here an has such a loud opinion about collection agencies when the only reason that they are in business is because people such as your selves dont take care of there bills....and honestly if the electric company that controls your light told you to pay a certain amount of money to keep them on you guys would do whatever you had to do to do so even if it ment selling crack.....put the responsibiltiy back on your selves...stop using the economy being in a recession as a crutch....man up and own up....regardless on how old the bill is or how many laws that prohibits CA from collecting on it you know you owe the bill simply pay it...the economy is in a recession because of ppl like you....if bills were paid on time and in full there would be no reason for CA...

[QUOTE]Its funny how eveyone gets on here an has such a loud opinion about collection agencies when the only reason that they are in business is because people such as your selves dont take care of there bills....and honestly if the electric company that controls your light told you to pay a certain amount of money to keep them on you guys would do whatever you had to do to do so even if it ment selling crack.....put the responsibiltiy back on your selves...stop using the economy being in a recession as a crutch....man up and own up....regardless on how old the bill is or how many laws that prohibits CA from collecting on it you know you owe the bill simply pay it...the economy is in a recession because of ppl like you....if bills were paid on time and in full there would be no reason for CA... [/QUOTE]Just the fact that you can't spell discredits your opinion, stop wasting your time posting your rants on a public message board just to say "pay your bills!". Who are you to come on here with your uneducated opinion to make such a judgment call? One thing I know about you for sure, you didn't pass English!

I would love the opportunity to speak with you about this company. I am looking to hire an attorney to sue this company and any info. I can get would be great.

That was too funny. "I owe a debt company". Maybe you owe more than one. Debt collectors are like repo guys. They pay pennies on the dollar and buy debts. My suggestion would be to handle these calls as follows.

For every one call you receive, call them ten times using their 800 numbers. 800 numbers cost money and since they initiate the call, returning it, is not a problem. Personally, I take about 30 minutes a day and talk to whomever answers and just shoot the breeze with them with no intention of even finding out the issue. This takes their human equity and 800 charges.

After a week, they usually stop. Just trying to help.:p

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It is always shocking to go to boards like this where people state that ERC buys debt for pennies on the dollar. ERC does not buy debt they only work for clients. Most of the time it is for the original creditors that hired them. Debt collections do get a bad rap and sometimes you do have a few bad apples that do say something stupid. They are handled very quickly and usually they do not work for them anymore. The company tries to make sure that their people are very legal and moral. It is funny how someone said they worked there and that you can settle anything for 50% which is not true. It depends on the client you owe. Some clients may go to 50 some do not go under 80 and some do not settle at all. Collection agencies keep the economy going as they collect money for many big companies that would not be able to lend anymore money if it was not for debt collectors regaining some of the losses for them. If you get calls and it is not you just call talk to someone they will apologize and remove it. They are regular human beings just like anyone else.

please ERC does buy junk debt as well as collect for clients.they do both and violate the FDCPA doing it.so you had your say.back to the phones drone.

ERC is not a debt purchaser. They work for other debt purchasers as well as clients. Also you might want to rethink saying go back to the phone. I am not a collector

The key thing to remember is that they break the law and also try to collect on debt that doesn't exist. I just laugh now at these people who come on the board with the same old tired "pay your bill you owe it". They completely ignore the main point that no one has to pay a debt that doesn't exist.

No one here even suggests to not pay your bills, heck, they get rather loud about it. No, the only thing supported here is TRUTH. Bottom line is these are supposed to be professionals, but they act anything but! If they would simply behave in a professional, law-abiding manner they wouldn't be getting sued left and right and would be getting paid!

It is these horrible collectors that make it bad for all of them, including the ones who actually act ethical and by the law.

No they do not they do not buy any debt. They work for debt purchasers and clients. Funny how all you do is badmouth everyone on here. I did not say anything to you offensive for you to say anything about that. I obviously am not a collector so that would not make sense

The problem is that sometimes you do have bad seeds but they do not collect on debt that does not exist they only collect on what they are given

Then how do you explain them violating peoples rights left and right? What about when they say they have documentation yet never produce it? If they were an ethical company they would immediately acquire documentation upon receipt of a dispute and forward it to the consumer, and if they could not, then they should immediately send the account back to whomever they are collecting for, but they do not do these things!

i'm giving a warning to the unregistered as nothing they have posted has a grain of truth and delibrate posting of misinformation is against the TOS.btw you seem to me to be an employee because nobody who has no affiliation defends this bottomfeeder with the passion you have,so prove me wrong,or get lost as i'm tiring of this.either prove to me you are not a drone for them,or go away as you are lying through your teeth,and i won't have it any longer.

There is a difference between a dispute and a media request. A dispute is just stating you do not owe it. A media request or requesting orginal documentation can be done on any account with a simple request. Some times it can take awhile with debt purchasers but if you ask you should get it if not you are not talking to the right person. The sad part is that a few stupid people can ruin the rep for an entire company. If you had a problem with a collector you can pursue them individually as well. The thing you want to remember is that they are people that work to support their families just like anyone else. I have seen several collection agencies and you should see the stuff even so called law firms do.

Oh my someone might tell the truth and prove you wrong and you get defensive. So your job is to bash companies without knowing anything about them. No I am not a collector as I stated. I have seen some shady collections and ERC tried to be ethical. Actually I have had two bills with them and unlike other companies they cared.

again don't believe you for a second,and talk about defensive geez.go cheerlead for a scummy bottomfeeder elsewhere.two pages of post stating the opposite of your posts gets more crediblity with me than a shill that gets testy as shills often do.

I think this is a fraud. They are probably collecting the money and not paying any debts. They probably find out about these debts by looking at on line credit reports.

That is why they have a higher better business bereau rating than this company. CCCS companies are the ones that are crooks let's pay someone else to pay my bills. That makes no sense

If ERC is soooo flawless why do they have an F rating with the BBB? Hmmmm?

Also a dispute IS basically asking for documentation..you dispute the validity of the debt in question so they HAVE to request this documentation from the OC and forward it to the debtor.

Obviously someone does not know how to look something up. They have a A+ rating with the bbb. I can link it if you are having trouble.

don't bother as your link will only be to a bogus site with the false rating.i too looked up this bottomfeeder on the official BBB site and it is an F rating.stop it with your propaganda please.it's so unbecoming,but i guess that's your MO.

The nerve... litterally go to BBB site and it is an A+ it comes from the same exact site as your A on the top of the screen.

oh really.well we must be talking about a different place then.quit acting like you are on the phones.we are more educated than you think,and more educated than you period.

I will put an end to this ridiculous argument. http://www.bbb.org/eastern-michigan/business-reviews/collection-agencies/enhanced-recovery-corporation-in-southgate-mi-6029831/ is the link to the BBB page.

I can ALWAYS back up ANY statement I make.

Obviously this is a case of two companes with the same name. Enhanced Recovery Corportation now known as Enhanced Recovery Company LLC has been based out of Jacksonville FL since it opened in 1999. The one you posted is an address that I have never heard of. The company I am talking about is backed by RLJ Bob Johnson and based out of Jacksonville. "http://www.bbb.org/north-east-florida/business-reviews/collection-agencies/enhanced-recovery-company-llc-in-jacksonville-fl-16000495/"

That is very different I think we are talking about two different companies and you may think you are talking to someone that is less educated that you but you have no idea. Here is the link to the company Enhanced Recovery Company LLC. Which was Enhanced Recovery Company before that but has always been based out of Jacksonville FL. The company I speak about is backed by RLJ Bob Johnson. I think we had a misunderstanding then because never ever heard of the address listed on the Michagan site as even with ERC they have been posted as the top 50 fastest growing companies in Northeast FL for the last 6 years. They also have a A+ with the BBB.

"http://www.bbb.org/north-east-florida/business-reviews/collection-agencies/enhanced-recovery-company-llc-in-jacksonville-fl-16000495/"

so you resolve all of your complaints.big deal yes ERC does have an A+ rating only for that reason.also if more people file BBB complaints as i'm advising an A+ can become an F real quick.btw the reason they are growing is because this great forum can't reach everybody.if only we could.i'm not backing down from my stance that this is a bottomfeeder that should be reported,not paid.last thing FDRS(federal debt relief system)a complete debt termination scam based out of jacksonville was also rated A as well.before the people really started to file complaints.so BBB ratings can change pal.

If it is based out of Jacksonville(bottom feeder paradise) then give it time it will follow the same path as the rest of them. Jacksonville bottom feeding paradise is just the little brother of Buffalo New York agencies

well i looked at the BBB site and not only do i think they relocated from michigan,but just about every complaint was resolved the same way.most likely"we'll drop the matter if you report to the BBB it was resolved"again a product of people just wanting a bottomfeeder to go away.a pity,but part of the reason i don't put alot of stock in certain BBB ratings.places like collection agencies,debt settlement companies,payday loans.those type of entities.

Well it is possible that they are two separate companies, but I have seen some collection companies that will have one accredited listing and several non and curiously enough, the ONE accredited is the one with the A+ all the others are F or no rating.....yet they are all the same company. Talking about the A+ one however, if you look down further you will see how many complaints were never solved to the satisfaction of the consumer and 119 that the BBB assumes is resolved which likely means not solved at all.

But it boils down to the fact that the company's main business practice is to break the law and collect in unethical ways. Doesn't matter what rating they have at the BBB when they still routinely break the law left and right.

Yeah I don't even use the BBB complaint system anymore...it is a total waste of time. When I used it, I complained about the company breaking the law left and right and I had solid proof. The company just blew smoke and hemmed and hawwed and finally it was solved but consumer failed to acknowledge acceptance. Hello...of COURSE I would refuse to acknowledge it when I had all the proof.

and I went on to win over the scum in court....so there it is there.