Eagle Recovery Associates Inc Or ERA a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Eagle Recovery Associates?
Eagle Recovery Associates or ERA is a collection agency based in Peoria, IL. Eagle Recovery has received many consumer complaints alleging problems such as communication tactics that violate the Fair Debt Collections Practices Act (FDCPA). If Eagle Recovery has attempted to contact you, understanding your rights before responding can help you prevail.
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Is Eagle Recovery Associates a scam?
They’re legit. According to the Better Business Bureau (BBB), Eagle Recovery Associates, Inc. was founded in January 2004, and BBB established its profile page two months later. The BBB lists Eagle Recovery Associates as a collection agency. Buzzfile indicates a founding date of 2003 for Eagle Recovery Associates; an annual revenue estimated at $3.2 million; and a staff size estimated at 28 people.
Eagle’s mission is to set the “standard by which other collection firms are judged,” with a commitment to “exceptional customer service and superior collection results.” Eagle meets these objectives by cultivating relationships with consumers; excelling in customer service; maintaining superior recovery rates; and utilizing technology to streamline the accounts receivable process.
Who does Eagle Recovery Associates collect for?
Eagle Recovery Associates appears to collect primarily for healthcare providers. ERA’s full-service agency offers primary, secondary, and early-out collection programs. They also offer extended business office services to assist their clients’ collection efforts more directly.
Eagle Recovery Associates believes “that protecting our clients by successfully maintaining compliance in a heavily regulated industry is…crucial.” Because a “third party agent is viewed as an extension of the client’s collection process…Eagle consistently emphasizes the sensitivity and professionalism required of our employees while representing our clients.” Although their website claims a “sterling record with State and Federal regulatory bodies… and full compliance with the Fair Debt Collection Practices Acts and applicable State laws,” there are no specific links or references to regulatory agencies. There are also no consumer resources, and the online payment portal page is still under construction.
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.
How many complaints are there against Eagle Recovery Associates?
As of September 2017, the BBB has closed 9 complaints against Eagle Recovery Associates in the past three years, with 3 closed in the past twelve months. Of those complaints, 6 resulted from problems with advertising or sales issues, and 3 resulted from problems with billing and collection issues. Since September 2015, the Consumer Financial Protection Bureau (CFPB) has logged 4 complaints against Eagle Recovery. Justia lists at least 5 cases of civil litigation naming ERA as a defendant.
Can Eagle Recovery Associates Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely ERA 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!
In July 2015, a complainant indicated that she had been contacted by Eagle Recovery Associates regarding one of her unpaid bills. She indicated her husband had been out of work for three years, had run out of unemployment insurance, and had only just found a new job. She reported that an Eagle representative indicated she didn’t want to pay the bill. The complainant disputed the accusation and indicated she had been trying to make arrangements with all of her creditors, but was having difficulty committing to the larger monthly payments the Eagle representative was insisting on as a minimum. ERA insisted that she pay $175 per month to pay off a debt of $1056.93, but commitments to several other creditors prevented her from accepting this arrangement. She requested a lower monthly amount, and reports being transferred to at least two other representatives, whom she claimed belittled her with comments about not being able to pay her bills or take of her family. The representatives in turn insisted they were following ERA’s official policies and the provisions of the FDCPA. Correspondence between the two parties continued in writing and no resolution appears to have been reached.
Past Press Releases of Lawsuits Brought On By Lemberg Law Against Eagle Recovery Associates Inc
May 30, 2017. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Western District of Wisconsin. The case, against Eagle Recovery Associates, 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.
There are few things more unnerving been having a debt collection agency call your boss. It not only brings personal issues into the workplace, but it can also taint how your employer and coworkers perceive you. Our client says that Eagle Recovery Associates called his workplace and spoke with his assistant manager. He says that Eagle Recovery Associates told his manager about the debt, causing him a great deal of embarrassment. During a subsequent conversation, our client told Eagle Recovery Associates that he objected to their calls to his workplace. In response, the debt collector told our client that they could call him anyplace and anytime they wanted.
This lawsuit charges that Eagle Recovery Associates violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by communicating with a third party about an alleged debt; by using false, deceptive, or misleading representation in connection with the collection of a debt; by using unfair and unconscionable means to collect a debt; and by employing false and deceptive means to collect a debt.
Eagle Recovery Associates Calling You?
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).
Can I sue ERA for harassment?
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.
“We realize that ours is only one little case among many — and a lot more serious — but are heartened by the fact that you accepted it represented us with a professionalism that belied the dollar amount.”
“I am so blessed that through this dreadful, terrifying encounter, your company was there to help me. I can not thank you enough”
“Never did I feel anything less than your most important customer. I love your service, and wish that more people were aware that there was a remedy for these vile creatures that call themselves collectors. Do not get me wrong, I pay my debts, or at least attempt to, but those agencies are aware of what they’re doing is illegal and know that the person on the other end of the line probably does not know that.”
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.