Enhanced Recovery Corporation - Is it a good collection agency?

Why do you think all collection agencies are scum of the earth. There are some companies that are honest and do not stand for rude or unprofessional behavior.

Actually I said most. I have posted on occasion that I have dealt with a couple honest CAs. It is just that the majority of them do not act within the law. I consider a company scum when they routinely break the law.

like this one.it's funny how people come on and cheerlead for a bottomfeeder on a thread about said bottomfeeder.btw after really putting the BBB rating to rest that is the best you can come up with?please.i was addressing #52 btw not goldenbast.

I am just posting something based upon my reading of the ERC website and research on the web, but it appears that Enhanced Recovery Corporation became Enhanced Recovery Company after they were acquired by RLJ and other private investors....The ERC website talks about who is behind the company and its history of private ownership, and they operate in multiple states....and have many other companies owned by the same private investors..so I find it of inerest that it is mentioned that they dont buy debt, but that they do collect for companies that do buy debt...if you put it all together it is an interesting grouping of coincidences

ERC is a valid collections agency. However, they use the "good faith" payment to get your money up front. In regards to the settlement offer, they can go even lower than what they are offering you.... The collectors themselves have a percentage they cannot go under, but their manangers can! As far as validation of the debt, you said yourself that you knew you stopped paying the card, so the debt is valid. As far as having a piece of paper in your hand saying that you only have to pay the settlement amount, that won't happen until that whole amount is paid.

You're entire post is incorrect. There was no FDCPA violations at all. They aren't required to offer a settlement in the first place. Any settlements that they do offer are subject to change unless that settlement is secured. You can beat them down to nearly a 30% settlement in most cases, but even a 3rd party collection agency isn't going to write off what you owe until you hold up your end of the bargain.

What all of you people whining about collection agencies don't understand, is that they are REGULATED BY THE FEDERAL GOVERNMENT! There is a copy in every cubicle stating the federal and state regulations for each phone call. People hear someone on TV about what might be illegal in some states, but it perfectly legal in yours. For example, statute of limitations. There are only about 4 states that have a statue of limitations on a debt. So before you go spouting off about everything everyone else is doing wrong, pay your bills and you wouldn't be in this situation in the first place.

Poster #58-Every state has a SOL!! If your so smart go reread the the laws, dumbass. I dont care IF every cubicle has the laws posted 8 out of 10 debt collectors VIOLATE every law there is on the books. So BEFORE YOU go spouting off like YOU know everything reread the states SOL laws, everyone has one on all types of credit. Now dont you feel like a dumbass, Mr Know It All??!!

Also #58-EVERY collector has to follow federal laws and that means ALL THREATS are illegal for every state!!

great posts anon9,but trying to use facts with humanoids is a complete waste of time.that is what makes them humanoids.just obeying their master the almighty dollar.they will get theirs one fine day.that is not a wish,or hope but a fact.the three idiots above you anon9 must be the pride of this bottomfeeder.the reason they are on here is because sites like this and others are cutting into their blood money comissions and bonuses.too bad so sad.:rolleyes::rolleyes::rolleyes:

Maybe you got in good with a "nice" debt collector. And you "like" them because they helped you "get out of debt". But that's the exception to the rule in my experience. Especially with Enhance Recovery Corp. I just finished speaking to "one of you" and then to his manager who sounded like he was going to pee in his pants by the time I was finished. And not 5 minutes later, a THIRD employee from ERC called me. No one even knows what they are doing in that company. ANYONE who calls a number 22 times is guilty of harrassment. They and you know exactly what you're doing when you call BEFORE 8:00 a.m.

As to not answering our phones, or getting into debt in the first place?

When you are perfect and you can read my mind, then you can judge me.

ROFLOL!!! Most Debt collectors think they are above the law. They don't care. Their adrenaline gets pumping and they think they're invincible. I've got news for you.

glass houses #58, glass houses that just "pay your bills" is gonna come back to bite you in the butt ditto #62

is that the same government thats run by obama? you just shot yourself in the foot with that statement

I personally suggest to everyone that it is worth the ?? $20.00 to buy a recorder for your phone. I know when you can barely pay rent and feed your kids when you've been layed-off or downsized, it's hard to come up with 20 bucks, but it is soooo worth it. Check with your state's attorney general's office on recording rules. However, very often times there is no "disclosure" (telling the person on the line that the call is being recorded) required. Then start sending them copies of the recordings along with copies to your state's attorney general's office, the BBB, the FTC, the FCC, etc.... Ever time you can prove they screwed up, it worth $1000.00 in your pocket with a cease order on the debt.

I'm wondering when it debt collectors could call and leave a recording that included the person's same and that they were collecting a debt. I thought that was a violation of the FDCPA? I don't think saying in the recording that "if you are not the person, please do not listen" makes it legal.

Is it legal to leave a message with the debtor's name in it along with the fact that they are calling to collect on a debt? Does it make it legal to say if this isn't the debtor, please don't listen? It's being left on my machine.

I think this is a gray area and it would ultimately be up to the judge when you went to sue the company.

Personally I think it is a violation, as there is no way they can guarantee that no one will listen to the message and actually NOT listen...but as I said, would ultimately be up to the judge.....if you could find a similar case where someone sued and won for just this thing would be golden...then you could cite it in your case as showing that another court upheld that it was in fact a violation.

They are chasing my girlfriend, now 3 moves in as many years.. They even got an unlisted number somehow. They want address verification because the one they currently have is incorrect and they can't googlemap it LOL. All because Sprint locked her into a 2-year contract and she only used the phone 3 months.. She offered to pay them an amount equal to the "cost" of the free phone. Nope , they want the full 2 year amount.. That won't happen. Stay away from Sprint and tell ERC to buzz off!

Running from creditors is no good. It does bite that she only used 3 months of the contract, but unfortunately she did sign it and knew what would happen if she stopped paying.

They use skip-tracing to find you and can even get unlisted numbers this way. If she wants the collectors to leave her alone, then she should send a cease & desist...but I would only do this if the SOL is up...otherwise she may get sued. Other than that, just ignore the letters and hang up when they call..easy peasy.

I found a message on my answering machine from this "company" today. As I was pretty sure I didn't owe anyone money I decided to do a web search. I found your comment and after reading a few others I did another search at the Florida Business License web site. They don't appear to have a license to operate in Florida. Go get your self a lawyer and sue sue sue! Good luck.

Got a call saying they were collecting a debt I owe Time Warner.

I currently subscribe to TW, and know my bill is up to date, but I contacted their billing dept. and asked if they had a collection order out for non-payment of my bill.

She looked up my account by number, name and addresses for the last 10 years, and told me I not only didn't I owe them anything, but I have credit on their books.

I cannot urge people strongly enough to not give these people ANY information, not even the time of day.

Also, since they are based in Jax, Fla, I have to wonder if they are the ones who stole my Amex number about 8 years ago and charged up nearly $20,000. Thankfully, Amex noticed the unusual charges and contacted me before they paid them.