Enhanced recovery corp., did i do something wrong?
Date: Mon, 10/05/2009 - 19:08
Patrick G.
Connecticut.
Hope you haven't shared any important information with them. If
Hope you haven't shared any important information with them. If not, then there isn't much to worry about. Till there is enough time to get things corrected. For any collection effort the CA needs to send a dunning letter, which should then be followed by validation letter from your side.
Hopefully they would call you back when they wouldn't receive payment on the said date. So, when they call tell them that you'd like to have the communication on paper. But don't give out any money to them until you're sure.
First, be advised if you owe a debt...pay it. If a consumer fai
First, be advised if you owe a debt...pay it. If a consumer fails to honor the terms of their contract they will be subject to collections, be it either 1st party or 3rd party. Attempting to use the FDCPA / FCRA to put off paying your debts is folly. If you know you had a mastercard and defaulted, why would you need verification? If you are so inept that you cannot keep track of what you owe, you do not deserve to have credit. If it is your bill ....pay it! If you are unable to pay it...negotiate a payment plan and PAY YOUR BILL. It is strange how consumers will neglect their obligations, then when they want to buy something on credit....use every loop they can find to NOT PAY. I have worked collections for 20 years and I will tell you that when you obtain a debt settlement company and send your cease and desist, you are immediately reviewed for legal action. Be wary of debt settlement companies that will enroll you when your account is still with the original issuer and has not even charged off yet. Next thing you know you will be served a summons and will have to pay court costs and attorney fees. Alot of these so called "credit counselors" are lining their pockets with YOUR money and all they do is call your creditors and establish a PPA or settlement. Do not fear collection agencies. Just remember a couple of things: GET AN AGREEMENT LETTER UPFRONT BEFORE REMITTING PAYMENT, PAY ONLY IN CERTIFIED FUNDS THAT WILL DOCUMENT WHERE THE PAYMENT ORIGINATED AND WHO RECEIVED IT, ENSURE YOUR AGREEMENT LETTER STATES THAT YOU WILL BE PROVIDED A RELEASE OF CLAIM. That's it! Be responsible, pay your bills. If you have a circumstance that prevents you from honoring your obligations....make that known to the creditor, provide documentation, work out a deal. Empower yourself to take care of your own buisness.
BTW.....I have worked with ERC for years and they are an excelle
BTW.....I have worked with ERC for years and they are an excellent agency. There are always going to be "rogue" collectors out there that will not adhere to FDCPA / FCRA regulations.....but they find themselves unemployed when their practices are discovered.
Quote:Originally Posted by AnonymousFirst off my name is Patrick
Quote:
Originally Posted by Anonymous First off my name is Patrick, and I will register once I can get to a computer, but for now all I have is my phone. Anyway, earlier today I recieved a call from 'Enhanced Recovery Corp.' stating that they were collecting a debt from a a credit card that I had not been able to pay off due to my loss of employment. The guy I spoke with, Brian, stated that I owed $250.11, and in order to stop the attempts, he needed to secure the payment today. I asked what credit card he was collecting for, and he answered correctly, American Eagle, and then I asked if I could be put on a payment plan as I don't have the money right now, and he said no, and that he couldn't put my account on hold. He stated the best he could do is secure a date for the debt to be paid, which is the 23rd of this month. I asked him if there would be any charges other than that payment and he assured me there wouldn't be, so I accepted the payment arrangement after getting his name, phone number, reference number, and his extension. After the phone call, I did some research on ERC and found alot of complaints and lawsuits against them, indicating they were scammers. Now I am worried that I messed up and got scammed, so what I want to know is if I did things right, or did i do it wrong. I never asked to get any validation of the debt or anything like that and all I was told was that I would recieve a letter in the mail about a week before the payment was taken from my bank account. What i want to know is, is there anything i could do or should do to make sure this money is actually going to pay off my credit card debt? thank you for all the help in advanced. Patrick G. Connecticut. |
Never agree to anything over the telephone! Always request proper documentation. For all you know, that could have been me that called you demanding a payment today, so now, I have your personal account information and can clean you out and leave the country tomorrow, because I know how to obtain information about the debts you owe by checking the civil courts, etc.
NO, I am not the person who called you, my point is, get it in writing before you commit to a payment arrangement, request a letter of collection with their company letterhead on it. You ARE protected by the FDCPA and FCRA therefore, educate yourself on your rights! Those laws were put in place for "we the people"!! I don't care what ANYone says or how they choose to word it, EVERYone has the RIGHT to use the FDCPA and FCRA for their own protection, even debt collectors!
umm ACH is lying so bad their nose just poked out a bystander's
umm ACH is lying so bad their nose just poked out a bystander's eye.three blocks away.
Quote:Originally Posted by ACHFirst, be advised if you owe a deb
Quote:
Originally Posted by ACH First, be advised if you owe a debt...pay it. If a consumer fails to honor the terms of their contract they will be subject to collections, be it either 1st party or 3rd party. Attempting to use the FDCPA / FCRA to put off paying your debts is folly. If you know you had a mastercard and defaulted, why would you need verification? If you are so inept that you cannot keep track of what you owe, you do not deserve to have credit. If it is your bill ....pay it! If you are unable to pay it...negotiate a payment plan and PAY YOUR BILL. It is strange how consumers will neglect their obligations, then when they want to buy something on credit....use every loop they can find to NOT PAY. I have worked collections for 20 years and I will tell you that when you obtain a debt settlement company and send your cease and desist, you are immediately reviewed for legal action. Be wary of debt settlement companies that will enroll you when your account is still with the original issuer and has not even charged off yet. Next thing you know you will be served a summons and will have to pay court costs and attorney fees. Alot of these so called "credit counselors" are lining their pockets with YOUR money and all they do is call your creditors and establish a PPA or settlement. Do not fear collection agencies. Just remember a couple of things: GET AN AGREEMENT LETTER UPFRONT BEFORE REMITTING PAYMENT, PAY ONLY IN CERTIFIED FUNDS THAT WILL DOCUMENT WHERE THE PAYMENT ORIGINATED AND WHO RECEIVED IT, ENSURE YOUR AGREEMENT LETTER STATES THAT YOU WILL BE PROVIDED A RELEASE OF CLAIM. That's it! Be responsible, pay your bills. If you have a circumstance that prevents you from honoring your obligations....make that known to the creditor, provide documentation, work out a deal. Empower yourself to take care of your own buisness. |
ACH--thanks for posting this info, some good stuff there. But I disagree with you on one point--when you said this:
Quote:
If you know you had a mastercard and defaulted, why would you need verification? If you are so inept that you cannot keep track of what you owe, you do not deserve to have credit. |
You really ought to slow your role a bit....you know perfectly well the reasons for requesting validation of a debt. It isnt only to prove who the obligated party is, it's also to prove that the debt collector has the legal right to collect the debt. Being in collections for 20 years, you certainly should know better than to make this kind of statement. I can appreciate that you have a job to do, but your job isnt done on this forum, so please, lets dispense with the debt collector attitude on here. You should have no problem whatsoever when a consumer requests validation--if youre legitimate, why not simply follow the law and provide it? There have been plenty of cases where people have two and sometimes even three different collection agencies calling at the same time for the same debt.....validation is designed according to law to ensure that the debt collector can prove that they are either the owner or the asignee of the debt, and for good, legitimate reason.
Think of it this way--if it werent for shady debt collectors and the things they have done, there wouldnt be a need for a law to protect consumers from predatory practices, would there? I'm all for advocating that people pay a debt they actually owe, but I am ALSO all for making sure that they pay it to the proper party. We have had people on this very forum that have paid debts, only to find out that they paid a debt collector that didnt have the debt--they find this out when another debt collector comes along looking for the same money. And in these cases, that person's money is most likely gone forever, and the debt is still outstanding.
I know that i owe the debt and i do intend to pay it i just want
I know that i owe the debt and i do intend to pay it i just wanted to know if i could do anything to get a verification that they own the debt. I looked on my credit report and didnt see ERC on there. I will call them, and tell them that I cant pay it on said date, and then ask for an address and send a debt verification letter to make sure..
the fact that you owe isn't the issue my friend.it's if this pla
the fact that you owe isn't the issue my friend.it's if this place is legally entitled to collect on it.if they won't provide an address.then they are not legit,and you shouldn't pay them anything.