Are you being harassed by ERC?
Enhanced Recovery Company, LLC, commonly known as ERC, is a Florida-based third-party collection agency. Numerous consumer complaints have surfaced against ERC, alleging violations of the Fair Debt Collection Practices Act (FDCPA). These complaints include the use of false or misleading information in debt collection attempts and the pursuit of debts that are not owed. If you have been contacted by ERC regarding overdue financial obligations, it is crucial to understand your rights and take informed action.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), Enhanced Recovery Company, LLC was founded in 2001 and incorporated in 2010.The BBB established a profile page for ERC in 2002, and ERC has been a BBB-accredited business since 2007. The BBB lists Enhanced Recovery Company as a collection agency and market research company that uses the alternate business name, Enhanced Resource Centers. Buzzfile estimates ERC’s annual revenue at $102 million and the size of its headquarters staff at 772 employees, with an estimated total of 2,500 employees across all locations.
According to its website, Enhanced Recovery Company “is an international business process outsourcing (BPO) and full-service, end-to-end provider for every aspect of the customer lifecycle, including debt collection.” ERC “delivers the best customer experience and results possible on behalf of…clients by connecting them to the most unrivaled talent and technology that the world has to offer, domestically and internationally.”
Enhanced Recovery Company’s collections division works on behalf of a number of different creditors, with clients from many industries including telecommunications; utility service providers; banks and credit unions; financial service providers; cable television service providers; and education lenders. In its capacity as a provider of third-party debt collection, Enhanced Recovery Company accepts contracts from both original creditors and debt purchasers. However, ERC does not own any of the debts it collects and is not classified as a debt purchaser.
Enhanced Recovery Company provides pre-charge-off recovery services that feature a “different kind of dialog that…converts casual customers into loyal clients.” Their post-charge-off collections division “specializes in later stage accounts, secondary through warehouse,” using innovations “to recover cash with a combination of analytics, scoring models, and a completely different script…that delivers success across all…industries.”ERC’s BPO services also include divisions focused on Acquisition and Customer Onboarding; Customer Care & Loyalty; and Premium Technical Support. These divisions employ market research; targeted prospect list and data mining lead generation; new acquisition up-sell and cross-sell; win backs; fulfillment; welcome calls; and more.
In addition to 4 U.S. office locations, ERC also hosts call centers in India and South Africa. ERC’s corporate site includes a page with its Social Responsibility Statement. Their Consumer site includes a Frequently Asked Questions Page with information about the FDCPA and links to the Federal Trade Commission and other sites that provide information about consumer debt collection.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
As of November 2021, the BBB has closed 1,047 complaints against Enhanced Recovery Company in the preceding 3 years, with 503 complaints closed in the previous 12 months. Most of those complaints alleged problems with billing and collections, although 44 complaints also cited problems with service. As of July 2013, the Consumer Financial Protection Bureau (CFPB) has closed 10,418 complaints involving ERC. Justia lists at least 50 cases of civil litigation involving ERC.
Enhanced Recovery Company
8014 Bayberry Road
Jacksonville, FL 32256
Phone Number: 800-942-0015
Website: http://www.ercbpo.com/help/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely ERC would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a Sample Case Filed in Federal Court:
In May 2012, in the United States Court of Appeals for the Seventh Circuit, a judge issued a decision in a case alleging Enhanced Recovery Company had violated certain provisions of the Telephone Consumer Protection Act (TCPA). In the original case, the plaintiff had incurred a debt with a cell phone company. The plaintiff ultimately defaulted on the debt, and it was sent to ERC for collection. When ERC assigned the debt for collection it went to a call center that uses an Automated Telephone Dialing System (ATDS) that dials numbers autonomously until a human voice comes on the line, at which point a bill collector takes the call and begins negotiations. In this case, the number assigned to the account that ERC was attempting to collect had been reassigned to a different person by the time they began their efforts to collect. According to the court, if a human being had called the plaintiff’s number, they would have realized that the number had been reassigned. But the ATDS lacked human intelligence and, “like the buckets enchanted by the Sorcerer’s Apprentice, continued until stopped by their true master.” The plaintiffs in this case had never “consented to receive automated or recorded calls from ERC” at the number that had been assigned to them, although they had given permission for AT&T to call them at that number. Almost 3 years had passed between the time the number had been reassigned and the time ERC began calling. After the debt was assigned, ERC placed almost 50 auto-dialed calls to the plaintiff, and the plaintiff sued for a violation of the TCPA, which “authorizes an award of actual damages, or $500 per violation, whichever is greater.These amounts are trebled for willful violations.” The case was also certified as a class action lawsuit.
Enhanced Recovery Company appealed the decision, arguing that the parties who were actually responsible for paying the delinquent debt had given AT&T permission to contact them at the cell number. They also argued that that permission extended not only to ERC in its capacity as a bill collector, but also remained in place after the number was reassigned. As a result, they argued that their misdialed calls did not represent a violation of the TCPA because the number they were calling had already been identified in the agreement with AT&T. The court examined the wording of the TCPA and noted that consumers protected by the law were identified as “called parties.” Furthermore, the TCPA states that businesses are prohibited from placing calls using an ATDS to any number “for which the called party is charged.” Although ERC insisted that the “called party” could apply to the previous owner of the phone number in question, the court found that because the plaintiff in this case received the phone bill, ERC’s argument was not valid. As a result, the court affirmed the trial court’s decision, and the class action lawsuit was set for trial.
Here are some Press Releases of Lawsuits Brought On By Lemberg Law against Enhanced Recovery Company
June 15, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Middle District of Florida. The case, against Enhanced Recovery Company, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages under the Fair Debt Collection Practices Act and other relief.
The FDCPA was written to prevent debt collectors from harassing consumers. One of the provisions of the FDCPA is that debt collection agencies are not allowed to call folks at times and places that are inconvenient to them. Our client says that ERC called her between 8:00 a.m. and 5:00 p.m. When our client answered the phone call, she told the debt collector from ERC to only contact her after 6:00 p.m. She also said that she was unable to take any calls before 6:00 p.m. because she was at work. Nevertheless, ERC continued to call her before 6:00 p.m.
This lawsuit charges that Enhanced Recovery Company violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by contacting our client at a place and time known to be inconvenient; and by using unfair and unconscionable means to collect a debt.
May 24, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Middle District of Florida. The case, against Enhanced Recovery Company, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages under the Fair Debt Collection Practices Act and other relief.
No one likes getting debt collection calls. It is arguably even more annoying to receive debt collection calls targeting someone else. Our client says that ERC called him in an attempt to collect his sister’s debt. Our client spoke with an Enhanced Recovery debt collector and told them that he did not know her phone number or her whereabouts. Nevertheless, Enhanced Recovery Company continued calling our client in an attempt to collect the debt.
It’s important to note that all consumers are covered by the Fair Debt Collection Practices Act (FDCPA) – not just the individuals who owe a debt. This lawsuit charges that Enhanced Recovery Company violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior and by using unfair and unconscionable means to collect a debt.
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Consumers have reported this agency harassing them from the following numbers:
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
“Just a quick note to inform you that I got my check now and say thank you again. I will be discussing about you with “my friends!”
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.
“Thank you and your staff at Lemberg Law for the exceptional work you did on my behalf in managing the debt collection agency. I’ve not experienced the level of professionalism, care, timeliness in follow-through, and financial compensation obtained through your firm.”
The brief answer is yes. Contact us now and we’ll explain how we can help.
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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I am a single mom of 2 who is barely making it with just SSI no job and can’t work cause of health issues. ERC number keep calling me from different numbers about debt. I explained to them over and over that I am sick can’t work and don’t be having any money. Some people are rude to me and tell me good luck in court. Sometimes they will hang up on me. I will block one number but then they will call from a different one. Sometimes for AT&T sometimes for different companies. I need help.
I’m emailed for my mom who is 85 years old she’s been getting calls from a place called portfolio recovery many times a week sometimes they’re late sometimes they’re early Calls then it’ll be no calls for one Day and then it goes back to calling her again this is been going on for five months is this considered harassment they’ve been told to stop calling but it does not work Can I sue
I am getting multiple phone calls a day with multiple different numbers early in the morning as in at 2 am, 3 am, 5:30 am so rude, and inconsiderate to be calling someone at that hour of the morning and for what reason? No reason to be calling anyone at that hour, I am getting harassment phone calls not as much as I was but I am still getting harassment phone calls and I do not like it at all it’s getting worse by the day with the phone number that I have more and more people call me with random different numbers like 3-4 different numbers and calling and harassing me 3-4 x or more during the day, the evening and the early morning hours between 2 am & 5:30 am and also 7:30 am.
this company is calling me from a cleveland phone no 2166664914 called twice left no name no etc nothing not even what they arecalling about blocked the call called on my cell phone that is how i found out they were erc
These people called my work after telling them DO NOT Call….
ERC has begun calling my cell phone in order to get access to my Husband. I had to all but force them to give me enough data on them to google, and even then they wouldn’t admit that they were trying to collect on something. How many times do I have to put up with calls like this before I have a case for harrassment?
I keep getting call all day over 10 a day sometimes from a ERC. I haven nothing on my credit report from them and from ready people’s testimonies it’s either tmobile or att and I have never had either one of them
I have a 3200 dollar debt on my credit report. I have no clue as to the whereabouts of this debt origin.
erc has a collection for 90 to att this was settled with att years ago for charging me for services i did not order and refused to pay for have not called me will not answer phone say they are in jacksonville fl but phone is from columbus oh area
Hello, years ago, I had some small debt from places like ATT&T and Macy’s.. In some cases I ended up settling for a certain amount with third parties off so they would stop calling me, even though I was not financially stabled. Years forward I am debt free but the name of Enhanced Recovery Company LLC still appears on my “opened accounts.” I don’t know how to get it closed since it says I owe $0. I started searching to see if there is a number to call to close this but then I read so many scam stories about them so now I am confused. I am just curious to know if anyone else has this issue and why is it still showing on my report. Were they the ones harassing with multiple calls before? I have had so many new phone numbers that I wouldn’t know. All information is appreciated. Thank you.
I have a collection agency, ERC, that spoke to my fiance about a collection bill that I didn’t want him to know about and we are now having relationship issues because of their blatant (and obvious) disregard of FDCPA. I have the call recording that I can email to you. I would like to file an FDCPA claim.
Calls several times a day threatening legal action on a debt that the statute of limitations has expired on. Date of my last payment was in 2011 and they have threatened to place a lean on my home and have threatened to take legal action. Can you stop these harassing calls that are happening to me, my wife and my children?
ERC sent me a debt collection letter to the wrong address with my name misspelled three years after I ended my account with the original company with no debt owed. I did not actually receive the letter until around two months from the date on it as it was sent to a relative’s address and I do not see that relative frequently. I never used that address with the original company. The letter does not even have the information to dispute the charge. The charge also does not show up on my credit report. I know for a fact that I do not owe the original company anything.
I had some outstanding debts which I paid off in July. Imagine my shock when I saw in my report that I have a debt of over $1,500 from January 2019 through ERC.
I have no idea what the debt is. How do I go about finding out if this is a legitimate as I do not remember accruing such a debt.
ERC continues to call me multiples times a day asking to verify my information and SSN and wont tell me why theyre calling if I dont. Im not providing my information over the phone to people I dont know why they are calling or who they are. Ive told them this multiple times and asked why theyre calling and they wont tel me without giving my SSN
I suddenly have a derogatory remark on my credit. I suddenly have this outfit on my credit report for a bill I do not owe to ATT. I have a cell phone in my car for emergency use only, and my service is and has been provided by Consumer Cellular to whom I pay $21.99 per month.. How can ERC get away with this?
I got a credit alert on my capital one credit wise account yesterday stating that I owed ERC $299.00 for a 5 month old T-Mobile account. I called and disputed it, I spoke with T-Mobile today via Twitter and they confirm I do not owe ERC anything that I do owe them money but for 101.65 to a different agency
I just got a call from Enhanced Recovery Company. They wouldn’t tell me what the call was about but left me their company website. I googled it and came across your page. I watched your video. And so now I’m messaging you
I keep getting harassing phone calls from ERC. They want me to confirm personal information such as address, phone number, etc. I ask what the call is about and they tell me it’s a personal matter that I have to confirm my info before they proceed to tell me what they are calling for. I have multiple calls from them on my phone. I have asked them to stop calling but they won’t stop. I get robo calls from them where I will answer and it will be a automated operator asking me to please hold for next available representative. It’s very frustrating because I don’t even know why they are calling. Is this legal for them to do this?
Enhanced recovery keep calling me. I spoke to a member of your law office about this last month and she that she would put in a stop letter Enhanced Recovery. Can I proceed with a lawsuit?
I keep receiving calls from a 971 area code with no one on the other end f the line. When I call the number back they identify themselves as ERC and say they are trying to collect a debt. But i have no knowledge of this alleged debt. Also I have asked them to remove my number repeatedly and the robocalls continue.
Greetings,
I received multiple calls on my cell phone from Enhanced Recovery Company almost daily over the past several months prior to answering a call from ERC today. The first time I answered no one spoke on the other line so I hung up. On a later call the caller asked to verify my name without identifying that they were from ERC. They told me they were from ERC after I asked them to identify themself. I asked them to call me on my other number instead on which we had a conversation. During today’s call I did arrive at a settlement with them for the debt they were calling about. Also during this call I did give permission to receive their automated calls to my land line in the future if needed. I didn’t realize that there was a telephone harassment law until I looked up ERC and saw your website. Do I qualify for this case and $$$ back for the calls made to my cell phone?
Thank you for your advocacy.
I am being harrassed by this company daily. I asked ERC how to file a cease and desist from phone calls and was hung up on twice. This maddening as I am home and disabled and the last thing I want is to he harrased
how do they get your information and are they a real legit collection agency they have been calling late hours at night harassing me about at t-mobile past due bill and also they told me they was located in Florida but was calling from India and only Indian reps were contacting me> please someone get back with me
I signed up for AT & T Internet service for my law office. (I am a lawyer.) About a month later, there was a tragic arson fire that made the office uninhabitable. The Internet service was of no use. I canceled. Over a year later, I started to get demands for payment on the account. I even made a small payment to AFNI. The amount was not paid in full as agreed. I now have an ERC Collection account on my credit. Effecting my ability to buy a house. I wish to join your Class Action suit. Debt occurred in Eureka CA which is the Northern District as opposed to Eastern
District but once your class is certified, that will not be an issue. Thank you for fighting on behalf of consumers.
By any chance were you able to join the lawsuit? They been bothering me for the past 2 years