Enterprise Recovery Systems or ERS is 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.
Enterprise Recovery Systems (ERS) is a third-party collection agency located in Woodbridge, IL that specializes in collecting student loan debt. ERS has received many consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) for activities such as failing to verify debts or harassment. If you have been contacted by this debt collector, make sure you know your rights before responding.
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Is Enterprise Recovery Systems a scam?
They’re legit. According to the Better Business Bureau (BBB), ERS was founded in 1988 as a collection agency specializing in contracts with student loan and other education-related debt. ERS later expanded into collections for logistics companies and government agencies. ERS serves the greater Chicago area, and the BBB opened its file on them in 1992.
As a full-service third-party collection agency, ERS provides loan recovery, Accounts Receivable Management (ARM), international collections, skip tracing, credit bureau reporting, and call center services. Recently, ERS was bought and taken over by Alltran, Inc., and now operates as Alltran Education, Inc. Most of ERS’ original website at www.ersinc.com consists of link titles, many of which redirect to the Alltran website.
Alltran Education claims to have “expertise in the regulation and statutory controls that shape the Higher Education industry and have robust processes in place to adhere to these guidelines.” Their collection agents are described as “ethical and empathetic” and specialize in “assisting borrowers to resolve their financial challenges.” Alltran says it does not sacrifice compliance with ethical standards and regulatory laws to achieve success in the competitive collections industry, claiming best-in-class compliance as demonstrated in its “structured compliance management system (CMS); risk monitoring, identification, and resolution; and extensive and ongoing training.”
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 Enterprise Recovery Systems?
Complaints against ERS are listed on BBB’s profile page for Alltran Education, Inc. The BBB has closed 54 complaints against ERS/Alltran in the past three years, with 11 closed in the past twelve months. Complaints are fairly evenly split between billing and collection issues and advertising and sales issues, with a minority of complaints resulting from customer service and delivery. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has logged 23 complaints related to ERS. Justia lists at least 8 cases of civil litigation naming ERS as a defendant
Alltran Education, Inc. 840 S Frontage Rd. Woodridge, IL 60517 Telephone: 630-574-3113 Website: http://www.ersinc.com/
Can Enterprise Recovery Systems 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 ERS 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!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against Enterprise Recovery Systems?
Absolutely. Here are some Sample Complaints filed in Federal Court
In August 2013, the Court of Appeals for the Second District of Texas, Fort Worth, issued a Memorandum Opinion in a case claiming violations by ERS of the FDCPA, the Telephone Consumer Protection Act (TCPA), the Texas Fair Debt Collection Practices Act (TFDCPA), and the Texas Deceptive Trade Practices Act (DTPA). The court of appeals heard the arguments of the plaintiffs after an initial directed verdict in favor of ERS was disputed for procedural reasons. Initially, the plaintiffs brought a case against ERS because ERS had used an automated dialing system to place phone calls to a cellular telephone without prior consent; that during one phone call, an ERS employee threatened to place a tax lien on the plaintiff’s bank account; and that the ERS employee who contacted them by phone failed to identify his identity or the identity of ERS, even when asked to do so. The attorney for ERS attempted to argue against the violation of the TCPA on several counts, including the fact that calls made by ERS’ “predictive dialing system” are not the same as automated calls that are randomly generated; that the plaintiffs’ having provided their cell phone number on their loan documents constituted consent to place automated calls to that number; and that not all of the calls were answered or individually paid for. The court struck down all of ERS’ arguments regarding automated phone calls and upheld the plaintiffs’ argument that ERS had violated the TCPA. The court also upheld the plaintiffs’ contention that the ERS agent’s refusal to identify himself was a violation of the FDCPA. Although the court did not agree that ERS’ threat of a tax lien violated provisions of the FDCPA, the judge ordered the case back to trial.
Enterprise Recovery Systems 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).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These 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.
Stop Debt Collection Harassment
You may have a case, if…
You are receiving multiple calls per week from third party collection agencies
You are receiving early morning or late night calls from debt collectors
You are receiving calls at work from a debt collection agency
Debt collectors are calling your friends, neighbors, or coworkers
Collectors are threatening you with violence, a lawsuit, or arrest
A debt collector attempts to collect more than you owe
You are being threatened with negative credit reporting
A debt collector attempts to intimidate you
Criminal accusations are being made towards you
Use of obscene language during an attempt to collect
Automated robocalls are being made to your phone in an attempt to collect
“I was almost going nuts receiving calls every afternoon from a person using profane language to push me to pay debts I don’t owe. Someone I trust referred me to Lemberg Law, and I don’t regret having contacted them. The attorneys were very kind and always available when I needed them.”
“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”
Can You Help Me Delete Enterprise Recovery Systems from My Credit Report?
Chances are good that we can help. Call us today and we’ll explain.
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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.