Debt Defense

Enhanced Recovery Company Complaints

Businessman Taking Money Out of Piggy Bank. Business Concept Cartoon Illustration.

Enhanced Recovery Company is a debt collection agency active in Pennsylvania. It collects delinquent and charged-off debt for many types of companies. ERC can’t harass you, deceive you, or treat you unfairly. If it does, you may have a claim for damages.

If you think Enhanced Recovery Company is violating your rights under the Fair Debt Collection Practices Act or other laws, please contact our debt harassment attorney for help. You can call us at 1-800-997-5561 or complete our contact form.

Why is Enhanced Recovery calling me?

"More than half of consumers contacted about debt 'said these contacts included at least one debt ... in error.'"

CFPB Survey (2017).

ERC is a debt collection agency located in Jacksonville (Florida) and many other cities. Enhanced Recovery collects debts for the retailers, lenders, insurers, and energy and telecom providers.

Enhanced Recovery Company likely is calling you because a company hired ERC to collect a debt from you. Enhanced Recovery does not own your debt. To the contrary, ERC was hired to collect your debt for someone else.

Have consumers filed complaints about ERC?

Consumers have complained about Enhanced Recovery Company. A federal complaint database currently displays over 6,500 complaints filed against ERC. Additionally, over 1,200 complaints have been filed with the Better Business Bureau (BBB) against Enhanced Recovery.

If you have complaints about ERC’s debt collection practices, visit our debt collection harassment page to learn how we can help. You also can complete our contact form or call 1-800-997-5561

What are common complaints about ERC harassment?

Debt collection agencies routinely violate the FDCPA. Here are common complaints of unlawful collection practices:

I. Complaints about calls.

  • Repeated, frequent, or persistent phone calls.
  • Contacting third parties, like family, friends, employers, or co-workers.
  • Phone calls at inconvenient times or places, like early in the morning, late at night, or at work.

II. Complaints about threats.

  • Threatening jail time or arrest.
  • Threatening damage to reputation or disclosure of private information.
  • Threatening wage garnishment, seizure of property, or the filing of lawsuits without authority.

III. Complaints about other conduct.

  • Reporting inaccurate information to credit reporting agencies.
  • Attempting to collect debt that's already paid or not owed at all.
  • Attempting to collect unlawful or unauthorized fees, charges, or costs.

Will Enhanced Recovery sue me if I don't pay money?

Enhanced Recovery Company likely won’t initiate a lawsuit in its own name. That said, it is possible you’ll get sued by a debt buyer for a debt on which ERC is calling, or by a credit card company, finance company, or other lender if the debt at issue is a consumer loan.

If you get sued for a debt, we can help win your case. To learn how we win, read our debt defense page. If you get sued by a debt buyer, read this post: What is a Debt Buyer? 

How should I respond if Enhanced Recovery keeps calling me?

There’s no correct way to respond to calls and letters from Enhanced Recovery Company. That said, if ERC keeps calling you, or if they keep sending letters, here are some tips for dealing with debt collection communications.

I. You can modify how ERC contacts you.

If you don’t want debt collection calls, you can tell Enhanced Recovery to stop calling. You also can tell Enhanced Recovery when and where it can contact you. To learn more, read our posts on how to deal with debt collectors and debt collection robocalls.

II. ERC must disclose your right to verify your debt.

Within 5 days of first contact, Enhanced Recovery Company must disclose: your right to request debt verification; that verifications must be written; and that debts are assumed valid if a verification letter is not received within 30 days. To learn more, read our posts on how to deal with debt collectors and debt collection letters.

III. Keep a call log and any documents ERC sends you.

It’s good practice to document your interactions with any debt collection agency, including Enhanced Recovery Company. For any calls you make or receive, keep a call log with dates, times, and the subject matter of each call. For any letters or emails, retain originals, or at least copies, so you can refer to them or review them with an attorney, if necessary.

What laws apply to Enhanced Recovery?

There are many federal and Pennsylvania laws that give you legal rights when interacting with ERC. Here are some of them:

  • Fair Debt Collection Practices Act (FDCPA): This is a federal law that prohibits harassing, deceptive and unconscionable debt collection practices. It also gives you the right to request debt verification and modify how debt collectors contact you.
  • Fair Credit Extension Uniformity Act (FCEUA): This is a Pennsylvania law that prohibits many of the same practices the FDCPA makes unlawful.
  • Telephone Consumer Protection Act (TCPA): This is a federal law that prohibits debt collectors from making certain calls to cellphones without consent. It provides for $500 to $1500 per unlawful call.
  • Unfair Trade Practices and Consumer Protection Law (UTPCPL): This is a Pennsylvania law that prohibits fraud and deception.
  • Fair Credit Reporting Act (FCRA): This is a federal law that prohibits debt collectors from reporting inaccurate information to credit reporting agencies. The FCRA also limits how debt collectors can access and use your credit report.

If you think Enhanced Recovery Company violated your rights under these laws, learn how we can help by visiting our debt collection harassment page. You also can complete our contact form or call us at 1-800-997-5561.

Enhanced Recovery Company Harassing

If you’re harassed by ERC, please contact us for help. You can get damages, attorneys fees, and costs of suit for unlawful conduct. Contact our debt collection attorney for a free case review today. Please complete our contact form or call 1-800-997-5561.

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