Encore Receivable Management is harassing me. How to stop them?

Im an old friend of this website and Ive paid off 75% of my debts and all of my pay day loans! It feels GREAT! But Encore says I owe them this money for an account ive never heard of Entergy. And they arnt even providing service in the area where the collection company is saying. Im so confused. I want to make this right but its not right to pay someone I dont owe! ive called the company Entergy and they have no idea who I am. What to do?

hi Katie--

May I ask what state you live in? Entergy is an electric company that provides service in very specific areas/states.

Encore is notorious for not validating debts. Let me ask you, what contact have you had with them at this point? Are they calling you, or sending letters, or both? I have dealt with these idiots, and they ended up selling the debt to another collector because they couldnt validate it.

here's what you do--you need to send a certified letter to Encore. it's what we call a debt validation letter, or DV letter for short. Federal law allows you to dispute the whole debt, or any portion of the debt....and when you send this letter, the collection agency(encore) must immediately stop all collection efforts until they get the required documentation of the debt and send it to you. Only then, after they have done that, can they legally take further collection effort on this debt. This means they cannot call you to ask for payment, cannot send letters demanding that you pay the bill, cannot file a lawsuit against you, and cannot report on your credit reports. They cannot legally do ANYTHING that would be considered collection activity until they prove that it's really your account, and that the amount theyre trying to collect is accurate and legal.

Send them a letter that looks something like this--copy this whole thing if you like:

Quote:

I am getting constant phone calls from Encore but cannot get a "person" to answer when I do return the calls or answer when they call. The calls are annoying and if they are trying to collect-shouldn't they talk to me?? I need advice on how to handle. Do not know why they are calling as I have not rec'd anything from them. Any advice will be much appreciated!!!

Well, lets start out with the basics.

Here is their contact info:

Encore Receivable Management
Div. of Convergys, Cincinnati, OH

400 N. Rogers Rd.
Olathe, KS 66062
Phone: 913-782-3333

1-800-901-4731

877-213-1152
Fax: 913-393-5163

6863 Spencer Street, Building E-1
Las Vegas, NV 89119
(702) 507-4500 (phone)
(702) 507-4505 (fax)

Lenexa, KS, Edmonton, Alberta CANADA
Woodstock, GA, Westerville, OH
& Somewhere in the Philippines

Web Addresses: www.encorermi.com

& www.convergys.com

Send them a debt validation letter (you can find a good template in my signature) send it certified mail, return receipt requested. (be sure to also print the enclosure to send with the DV letter) This will make it so that they have to cease all collection activity until they can provide you with details in writing about the account. It will also force them (since it's included in the DV letter) for them to contact you via USPS only.

thank you for the template. I will certainly follow your instructions. I did get in touch with them FINALLY on the phone and they were very rude when I requested a validation letter. Saying that they had already sent notification as well as the creditor. I have not rec'd anything from either on this matter. I am a little leery about dealing with ENCORE after all that I have read about them.

Send out the validation letter (they try to blow off validation, you can't request it verbally, you have to send in a written request. Also if they send you computer generated fluff from their company that doesn't cut it. They have to obtain that information from the original creditor.

These "people" call my home everyday for 2 months.After calling them back I find out they are looking for someone else,Yet they are still calling.The lawyer says we might have a good case. So to start I am forwarding this the District attorney.Plus they have left a nice phone record behind.

These "people" call my home everyday for 2 months.After calling them back I find out they are looking for someone else,Yet they are still calling.The lawyer says we might have a good case. So to start I am forwarding this the District attorney.Plus they have left a nice phone record behind.

hello everyone,

*i used to work for a CA, i have read a lot of posts saying that encore keeps calling them and no one answers, you see agencies such as these use automatic dialers, and when the calls get connected usually there is 5-10 secs delay, so most of the time the ones being called thinks no one answers but the sad thing is before the party called hears us say hello they already put down the phone.

*also read about calling you over and over again even when you say the person they are looking for can no longer be reached at that number. here's the thing, it would be very nice and you wouldn't hung up on them and just let them verify the number.

i hope this helps, remember guys to be an effective conversationalist, you need to understand and listen. besides, not all debt collectors are rude and bad people.

:)

Are automatic dialers legal to use in all states? I have no problem with talking with someone when they call my home. I do have a problem if I answer the phone and no one responds after I say hello two or three times. There are even instances when I have wited and I get a messae asking me to push a numer to talk to someone or to call back at a toll free number. It seems like there would be a live person to talk to when you answer the phone.

Some states prohibit it, check your state statutes.

Do you know where I might check in NC?

Here is where to start:
http://www.ncleg.net/

I have been reading all these posts and I know how frustrating Encore can be. I, too, am being harassed for a debt I do not know from who. But, find an attorney to assist you. The attorney rarely charges you... they will bill Encore and Encore not following the legal rules, you've won your case.
I have sent my cease call & demand for validation and Encore received it on the 10th of March 2008. The letter is being ignored... which is greatly in my favor, because now, I have grounds & I have contracted an attorney to begin procecution.
Keep records of all your calls, log your incoming calls (freebies from the internet), record any messages (burn into .wav files and save), keep logs of everything. If you don't have caller id, find out from your phone company about getting it; which is normally pretty cheap... the attorney will want all of this.
Now, the ball is in my court and I'm the one calling the shots. I hope they do keep calling because the more they call me, the stronger my chances are in receiving my harassment settlement.
Hang in there.

i think this company is great i PAID my bill an they leave me alone althugh they r a tad bit rude they r a debt collectors collecting on acct that in my case i opened :D

i receaved a c call from encore rmi on the 17th although they r a tad bit testy they are collecting on past due accts witch in my case i opened i pd my bill in full its the 24th and i have not recieved any opther calls in regards to my acct or any other "false" so what im getting at is pay ya dammm bills :D

OK, shill, you've said your bit. Now shuffle off if you ain't got nothing good to say.

Encore does ignore any and all cease call/validation demand letters. They have ignored my personal letter I have sent and again the demand letter from my attorney I have contracted. This is a + for me every time they call.

In my case, I have no idea as to why they are calling me,... we are in a hardship right now but my creditors have been working with me; at least I think they are. So, until I receive validation, I just keep documenting the calls building up my case.

For such a business to ignore a potential lawsuit from an actual attorney, that is demanding validation, this tells me they have no brains and that their employees collecting must have a pretty bad daily life; they are using any phone number to call to take their frustrations out on whoever answers their auto dialers.

If I owe this debt, then I will arrange to pay... but I need to know what the heck it is and I will not speak with an non-professional person; which is why I've demanded validation through US mail only. I will keep records of these calls and see them in court. (to date, they had 5+ violations by not responding to my letter... not sure what the violations are adding up to by them ignoring letters from a law office).

I have been getting call from 888-821-6611 with no one on the other end. They keep telling me to give a call back and when I do there is no one available and their voicemail boxes are full. If anyone has more information about this annoying situation please enlighten me. :?

THESE PEOPLE FROM ERMI JUST CALL MY HOUSE TODAY.
THE TELEPHONE WAS 703- 656- 9969.
I THINK ERMI IS ANOTHER PARTNER OF CLIENT
portfolio recovery associates.

http://whocalled.us/lookup/7036569969

This company does not care about the collection laws. I sent them a No Contact letter by Priority Mail, Signature Confirmation which was received on 7/28/08 and I received a call tonight from them, 8/4/08. Watch out for this company....they tried to bully you into something you can't do.

Ok... I work for Encore (A CONVERGYS owned company ) Of course Convergys don't want anyone to know that, because convergys might get a bad-rep.
I have been there less then a month and it's down right shady what they do.
But to clear a few thing's up, They can call you ALL DAY if they want because they are NOT a third party debt collector. Cap. One, Dell, GE, Chrysler, WHO-EVER. Hire's Encore directly as their "Finance Dept." thus making it 1st party collections. So most of the fdcpa rules and guide lines DO NOT apply to Encore.
They train us to be rude and demanding.

you work for a scam collector.end of story.

Yea, But it's a job... On another note, if you just paid your bills like you stated you would in your contract you wouldnt be having 'scam collectors" calling you, now would you?
Kthx.

getting phone calls from a scam that buys information is not a bill.so run along troll,you have people to harass who haven't yet visited here.

"Hire's Encore directly as their "Finance Dept." thus making it 1st party"

I'm going to need you to read above... See where it say's "hired directly"? That mean's they were, you guessed it HIRED DIRECTLY!
I'm sure you would like to believe you can run up a credit and not have to pay it back, but YOU DO! If you borrow the money, pay it back! What you are doing is STEALING.

everyone here knows your supposed company is a scam collector.so why don't you make yourself scarce.nobody here is buying what your posting.as i've said before surley there are people who haven't been here yet that you can bully money out of.the rest of us here aren't interested in the usual troll spew,because we have heard this dozens of times before,and here we are still pointing out what a scam you and other CA'S are.i am through giving you anymore time as it is a waste of time.

Encore is a 3rd party debt collector. PERIOD! Fully bound by the fdcpa and the FCRA. To state any differently is a lie!

I used to work for Encore for 5 years. They used to be a great company when A.L. Summerlin owned them. They were bought out by Convergys quite some time ago and since then have just continually rolled downhill. They have (when I was there at least) lost several clients due to their unprofessionalism. Yes if it is 1st party collections they can do more than a 3rd party debt collector but they still have laws they have to abide by. I collected on business loans for Keybank before they pulled their business from Encore and we were a 1st party department and we still had to abide by the fdcpa. Encore no longer cares about the laws and that was starting when I left. They put everyone on auto dialers so the numbers are being dialed and they sit and scream at everyone to hurry up and pick up the lines that are dialing out (sometimes they set the dialer too fast and not enough people are there so it calls 20 people and has them holding on the line while everyone is talking to other customers so that is why several people have got calls and no one is on the line when you pick up- if you really want to speak to someone then you can wait but you probably don't lol). They intentionally tell their employees to NOT leave messages because that is their little way around the law... if you don't leave a message no one can prove they have already called that day therefore they can continually call back. Also, most of the time they say you are speaking to a manager it is not really a manager. They just have you grab the person next to you and put them on the phone to "talk off" the account because they have TONS of people there and if the manager got on the phone for EVERY complaint they would never get off the phone. The only time they actually leave messages or follow the law is when the client is on-site listening in on their calls. The best thing for you to do if they are calling saying they are collecting as first party is to contact the business themselves and let them know of the shady things they are doing and then the company can go audit your account and check the dialer records and see that they have called you ten times in a day and trust me ... it pisses them off. The businesses have no idea because when they come for on-site visits everyone acts completely different and all the rules change. They have lost clients before simply because they learned how shady they truly were. Now if it isn't first party collections that means that you must have got EXTREMELY behind on your bill and they sold the debt to Encore and in that case they won't care if Encore is treating you badly but I can also tell you that if it is third party collections and they have sold your debt to Encore ... just ignore them. They can't sue you unless it is worth their time and money. It costs a lot of money to sue someone (trust me I know ... I ran the litigation team) so number 1 thing they look at is balance of a debt... if you don't owe more than what it will cost to sue you they won't do it. Number 2 - They have to verify where you are at to serve you to sue you so if you have never answered your phone or in any other way confirmed your residence they more than likely will not sue you. Number 3- The only things they can do when they sue you is put a lien on your home if you own one, Garnishment if they have verified your employment, or bank attachment which means if you have given them your checking account information they can TRY to randomly debit your account for the amount that is owed and if they overdraw your account who cares. Soooo.. basically.. don't give them any of your information. NEVER tell them where you work! NEVER use your checking account to pay (either use someone else's because they can't debit someone's account who isn't on the loan or pay with money order). If you own a home you may be in trouble lol. And never confirm your address. If you want to call them back.. call from someone else's phone and say someone gave you a message to call them.. don't tell them who or what phone number and tell them you don't have a phone. Also.. don't piss them off... the more they hate you the more the will try to get you somehow some way.. if they truly believe that you are broke and have no money they aren't going to waste their time... just play them. I'm not saying to let them cuss you out because honestly that is illegal anyway and you should just tape that and turn their butts in but if they are being civil and professional (which most of them aren't because their turn around rate on employees is insane and the people who do stay are there because they're unprofessional and no one else will hire them!) just tell them you have no money, no phone and are staying with friends. Don't give them your address... just give them someone else's address and tell them they can send correspondence there and those people will get it to you. If they call that person's house repeatedly all they have to do is say you don't live there and they have to stop calling. If all else fails.. SUE THEM... they are backed by a huge company so take them for all their worth but just keep in mind.... they treat their employees HORRIBLY so try not to take it out on the person you are talking to. I quit because once Convergys came in they couldn't give 2 sh*ts less about their employees anymore.. before that it was a nice small business with an owner who walked the floor and cared about his employees. I left in 2005 and still know people who work there and they are miserable and don't even get paid as well as we used to when A.L. owned it and get treated 300 times worse. They think everyone is expendable and they can just hire someone new and train them and pay them less than they paid you!

Really, so your are instructing people how to lie in order to avoid paying a debt and people are supposed to believe you are a great person working for a company you have admitted breaks the law? You sound like the person I talked to this morning...

I receive about 6-7 calls from the number 18668026984. After about 15 seconds of me babbling just now about how I will trace the number and call the police the man said the machine was not working and he could not hear my voice. He said his name was Mark from Encore. He said he needs to speak to my father and it is a business matter. I took the number and hell no am I calling back. They are total fakes.

Ok so here goes.

I have an over due account with Dell finacial services for $2700 and some change. I know this debt is mine and intend to pay it off. I received a letter from Encore in May stating that Dell Finacial sent my account to them for collection and that the balace of $2700 was due imediatley.

I am in the process of getting all my bills caught up and my parents are willing to pay off this debt completely for me. So we called encore yesterday and talked to Mark Clein asking if they would honor a $2400 settlement for the entire balance. He put me on hold for a bit and eventually came back on the line and stated that would be acceptable. I asked for a letter stating that "Dell account #***** with a balance of $2700 is being settled in full for $2400. He agreed that was acceptable and it seemed it was going well. I then told him my parents wanted to over night a cashiers check to them and he said that was not possible. He insisted that it had to be a Check over the phone. I have read that in no way should you ever give these creeps any account info. So in the end I told him thats the only way my parents are willing to do it and he said I better get a lawyer and a whole lot more that $2400 to pay for court cost then hung up.

My mother actually got ahold of dell and is in the process of trying to pay them the total ammount due. We are waiting for them to call her back from there account dept.

Any advice on what should be done here? I just find it amazing that I have cash in hand and they won't take it?

THanks in advance.

Get a written agreement on their letterhead before paying them a dime. It appears as if they want your parents banking information to clean out their account. Tell them that you will send them the cashiers check AFTER you receive the settlement letter; if they still refuse, tell them to take you to court, the judge will probably dismiss the case when you tell him they refused a cashiers check for the debt.

Encore call me at my job . Just stating that they were a
collection agent . They wanting me to give them some
personal information . I ask them for what reason . I did not
know what they were talking about they would not give me
the name of the company that say I owe them. I told them that they had no right to call my place of employment . They also call my home .
I call them back trying to find out about this matter . I did not
give them any personal information until they tell me what company they are representing. What can I do about this

Lot.....Encore does have a right to call you at your job until you tell them specifically not to call you at your place of employment.

Do you owe a debt?? Some CA's will not give any information until they verify that you are in fact the person they are looking for....that is to protect privacy. Call them back to find out what they want.....then tell them specifically not to call you at work and to send you a letter.

If the collection agent ask for money I owe to be paid in full
and I don't have it is their away I can pay them back on a
month charge or it has to be pad in full.

I turned to collecting when finding a job started getting hard. Ive been collection for a while and it is the hardest job I have ever done. Sometimes I cant stand hearing the heartbreaking stories I do hear. But right now collecting pays well. But Im going to leave and the things we say on the phone are the only things we are aloud to say. If we say anything else we get in trouble in my oppion thats why we sound fake but thats what DFS wants us to say.

well good for you.you violate the fdcpa and break other laws in collecting and i'm supposed to feel sorry for you?or was this an attempt to shove your occupation in our faces?either way thanks to this forum and others like it the money an illegal piece of compost like yours makes is dwindling.i'm happy for that.i personally would rather deliver pizzas than do what you do,but that's just me.

No I didnt voilate the fdcpa, I followed them. Some of these people didnt and they get fired for it. So dont worry if your called and someone 'volates' those laws, consiquences do face them. I dont need a arrogant person like you to tell me what im doing wrong or even attempt to feel sorry for me. I dont need anyone to feel sorry for me. I was feelin bad for everyone else who wrote on this page with problems from my employer. So when your comin back at me like that, it makes me regret thinking that. I felt like i was the most understanding person there. I got yelled at by my managers because I am so nice. So Please if Im writing in here that I got out of this place, please dont come back at me like im a horrible person when Im not. Im just like everyone else, just doing and job and tryin to get through life like everyone else. But the worst thing that alot of people dont know is, when You dont pay your bills, your just make the demand for collectors even higher.

P.S. I quit yesterday. After reading this page it made me want to quit even more than b4. If you have any questions that you would like to kno about Encore Just ask

By The way, The department I worked in Was Dell Financial Services. I will be more than happy if I can help in any way.

troll spew deleted.personal attacks are not tolerated.i only get trigger happy when the situation calls for it...paulmergel

Remember everyone that we are all down here under this big blue sky. There is not one of us who is not trying to make it in this crazy world. Let us all just calm down and be still.

Well like I said, All I want to do is help out people who are having problems with dell. And 2 days ago I left but I didnt really say "Boss boy im leavin". That was my Intent.. So I could always go back within the next week b4 they figure it out if anyone is having problems with Dell Financial. But Ask quick bc I wont go back if no one asks.

I DO NOT AGREE WITH ANY ACCUSATIONS AGAINST MY FRIEND PAUL HERE.
LUKE IS MY GREAT FRIEND EITHER.YOU ARE ALWAYS RIGHT LUKE.
YOU ARE ALWAYS RIGHT PAUL.
NOBODY WILL TELL HERE LIES ABOUT PAUL.
COLLECTOR IF YOU ARE NOT BAD LIKE YOU SAID HERE...
WHY DO YOU CAME HERE TRYING TO TELL US YOUR EMPLOYEMENT IS GREAT AND YOU ARE THE BEST ANGEL THERE?
MISTER EX COLLECTOR IS FORBID TO SELL DELL HERE.
YOU ARE NOT BUYING YOUR ESTORY HERE.

IT IS NOT A TRUE STORY EX COLLECTOR.
GUEST YOU REALLY DO NOT KNOW PAUL.
PAUL IS A WONDERFUL PERSON AND HE WILL BE ALWAYS A WONDERFUL PERSON.HE IS A GOLDEN DIAMOND MEMBER
HERE.BEFORE YOU SPEAK ABOUT PAUL WASH YOUR MOUTH.
SORRY I GET ANGRY WHEN I SAW IT.

I THINK THE COLLECTOR,THE EX COLLECTOR AND THE GUEST
ARE THE SAME PERSON.

Well duh, I was a collector for dell. I really dont like it when I come here to help and I get yelled at for wanting to help. My employment sucks there thats why I dont plan on returning. And please point out to me where I was bloating about how great my employment was there? Saying I made okay money is not bloating. I dreded going there. And No I will not watch what I say because I am just like everyone else and I do have the right to say whatever I please. He might be a great person, but I just dislike the way I came out of my shell to help and tell my 'story' i guess you would call it, can I was slammed at. It was not right. I guess With the all the Anger about Encore though, I had It coming. But Im gone from there. This website made me realize that i didnt wanna be there. I'd rather 'Deliver Pizza's' like he said.

look,i think encore is the worst.if you left bless ya,i applaud you for that.it's just your original entry smacked of someone talking down.as long as your sincere you are welcome here to me,and will tell others to give you another look.the guest however was deleted because that was troll spew.

What Guest entry... Whats a troll spew?