Table of Contents
- What is Enhanced Recovery Company?
- Who does Enhanced Recovery Company collect for?
- Is Enhanced Recovery Company a scam?
- How to stop Enhanced Recovery Company from calling you
- How to remove Enhanced Recovery Company from your credit report
- How to deal with Enhanced Recovery Company harassment
- Should you pay Enhanced Recovery Company?
What is Enhanced Recovery Company?
Enhanced Recovery Company (ERC) is a debt collection agency based in Jacksonville, Florida but with international locations in the Dominican Republic, India, the Philippines, Kenya, and South Africa. Established in 1999, Enhanced Recovery Company provides collection services and customer support at various stages of the debt recovery process. 1 2
Who does Enhanced Recovery Company collect for?
ERC has clients in a variety of industries, including the telecommunications, cable, and banking industries. The company does not buy debt directly—rather, they operate on behalf of other businesses. 3
Is Enhanced Recovery Company a scam?
No, Enhanced Recovery Company is not a scam. They’re a legitimate company that has been accredited by the Better Business Bureau (BBB) since 2007. 1 However, like most other debt collection agencies, Enhanced Recovery Company has received numerous complaints and faced some lawsuits for allegedly violating consumer rights. 4
Even though Enhanced Recovery Company isn’t a scam, it’s possible that scammers may contact you pretending to be ERC.
If you’re unsure whether you’re talking to a real debt collector, contact Enhanced Recovery Company directly on their website or using the contact info below.
VIDEO: Enhanced Recovery Company in 2 Minutes—Fix Your Credit Report & Know Your Rights
How to stop Enhanced Recovery Company from calling you
Enhanced Recovery Company will call, email, or mail you if they believe you have an unsettled debt. The reason debt collectors like these are calling you is simple—they want to pressure you into paying up.
Unfortunately, Enhanced Recovery Company representatives will keep trying to contact you unless you pay the debt, prove that it doesn’t belong to you, or reach an agreement with them (or with your original creditor).
Don’t ignore debt collectors like Enhanced Recovery Company—in the end, you may get sued, and you may even have your wages garnished. It’s smarter to engage with them tactically to ensure you don’t have to pay, or that you get the best deal you can.
To begin, you can get Enhanced Recovery Company to stop calling you—at least temporarily—by sending them something called a debt verification letter.
Send a debt verification letter
A debt verification letter is a formal request that obligates a debt collector to provide further evidence of a debt. You must send it within 30 days of them first contacting you. Note that Enhanced Recovery Company should have sent you a debt validation letter proving you owe the debt first, as it’s required by law.
Benefits of sending a debt verification letter
Sending a debt verification letter has three benefits:
- You’ll prevent Enhanced Recovery Company from calling you during this period: When you send a debt verification letter, third-party debt collection agencies like Enhanced Recovery Company are required by law to stop contacting you until they can provide evidence that you actually owe the debt they’re trying to collect. 5
- You’ll get more information about the debt: You should never pay a debt that you don’t recognize. Forcing Enhanced Recovery Company to provide documentation will help you determine whether this is a legitimate debt that you actually need to pay. It’s an easy way of figuring out if the debt collector is a scam agency.
- You may successfully disown the debt: If Enhanced Recovery Company can’t provide more information about the debt (which is frequently the case), then they have no choice but to delete it from your records.
Beware the statute of limitations
The verification materials that you receive may show that your debt has passed the statute of limitations. This is a legal limit that means the debt is too old for Enhanced Recovery Company to sue you over, at which point it’s known as time-barred debt.
If this is the case, you can send Enhanced Recovery Company a letter telling them to stop contacting you. Legally, they’ll have to abide by that.
The statute of limitations on most debts is between 3 and 6 years, but the exact amount of time depends on several factors, including the state you live in. The best approach is to check your state attorney general’s website and email their office if the information you’re looking for isn’t available online.
How to remove Enhanced Recovery Company from your credit report
If your credit score is suffering as a result of Enhanced Recovery Company debt, there are three ways to recover:
1. Dispute the debt with all three credit bureaus
You should immediately dispute the debt if it isn’t yours. You can also dispute debts that are older than 7 years (measured from the date of your first missed payment)—by law, they’re supposed to fall off your credit report by then.
To dispute a debt for free, send a credit dispute letter to the credit bureaus that are showing Enhanced Recovery Company on your credit report.
To find out which credit bureaus you need to send the letter to, request your free credit report from each of the major credit bureaus (Experian, Equifax, and TransUnion) at AnnualCreditReport.com. If they don’t respond to your dispute within 30–45 days, then they’re legally obligated to remove the item in question.
2. Negotiate with Enhanced Recovery Company
Unfortunately, if the debt is legitimate and it’s less than 7 years old, removing Enhanced Recovery Company from your credit report will be very difficult (although not impossible).
Your best move at this point is to simply pay the debt. Newer credit scoring models ignore paid-off collection accounts, which means paying off your collection will boost your credit score even if you can’t remove the item.
However, when you pay, there are two negotiation strategies you can try as a last-ditch attempt to remove Enhanced Recovery Company from your credit report:
- Pay for delete: You might be able to convince Enhanced Recovery Company to remove the negative mark in exchange for paying off the debt. You can open these negotiations by sending them a pay-for-delete letter.
- Goodwill deletion: This is an alternate strategy you can try after paying your debt. Once the account is paid off, you can send Enhanced Recovery Company a goodwill letter asking them to empathize with your situation and remove the mark from your credit report as an act of kindness.
3. Wait 7 years for Enhanced Recovery Company to fall off of your credit report
Unfortunately, most collection accounts will stay on your credit report for 7 years after your first missed payment. Even if you pay off your debt to Enhanced Recovery Company, it will remain on your credit report.
Learn more about Enhanced Recovery Company’s impact on your credit score:
- How many points will my credit score increase after I pay off collections?
- How to rebuild your credit after having a debt sent to collections
How to deal with Enhanced Recovery Company harassment
Unless you tell them not to, Enhanced Recovery Company will keep contacting you until you pay off or settle your debt. However, there are restrictions on how they can go about doing this.
Restrictions on Enhanced Recovery Company
When attempting to collect payments from you, Enhanced Recovery Company must adhere to the regulations specified in the Fair Debt Collection Practices Act. This is a federal law that prevents debt collectors from engaging in harassment or predatory behavior, such as lying to you or calling you incessantly or at unreasonable hours.
Enhanced Recovery Company representatives also need to follow the rules set out in the Telephone Consumer Protection Act. It’s a good idea to familiarize yourself with these laws so that you can take action against Enhanced Recovery Company if they do something illegal.
Can I sue Enhanced Recovery Company for harassment?
Yes, you can sue Enhanced Recovery Company for harassment. If you can show that they’ve violated your rights under the Fair Debt Collection Practices Act, then you can collect $1,000 in statutory damages for each violation as well as payment for any damages that you’ve sustained as a result of their violation. Enhanced Recovery Company will also have to pay your attorney fees and court costs.
How to file a complaint against Enhanced Recovery Company
If a debt collector violates your rights under the Fair Debt Collection Practices Act or does something illegal, then you can report them to the Federal Trade Commission, the Consumer Financial Protection Bureau, or your state attorney general. From there, you’ll be able to find out whether you can also sue Enhanced Recovery Company.
Another option is filing a complaint on the Better Business Bureau (BBB) website, but this might not have the outcome you’re hoping for. Bear in mind that the BBB is actually a private organization that has no affiliation with the US government. They’ll forward your complaint to Enhanced Recovery Company, but there’s no guarantee that the agency will address it in a satisfactory manner. What’s more, if your dispute is sent to an arbitrator, then you may give up your right to take Enhanced Recovery Company to court.
Should you pay Enhanced Recovery Company?
You should only pay a collection agency like Enhanced Recovery Company if you’re certain the debt is yours and you owe it. If you’re struggling financially and can’t afford to pay this debt collector, you can get help from a non-profit credit counselor.