The Law Office of Paul Mankin

Is Encore Receivable Management Calling or Harassing You?

Encore Receivable Management, Inc.

Encore Receivable Management, Inc. (ERM) is a third-party debt collector that serves wireless and cable communications, banks, credit cards, and automobile lenders. The company was founded in 1999 and is based in Olathe, Kansas with additional locations in Lenexa, Kansas and the Philippines.

ERM is not accredited by the Better Business Bureau. To be accredited by the Better Business Bureau a company must demonstrate trust, honesty, transparency, responsiveness, and integrity. The Better Business Bureau gives ERM a “C-” rating for failing to respond to consumer complaints. The Better Business Bureau reports eight (8) complaints filed against ERM in the last 3 years. These complaints almost exclusively deal with frequent and repeated calling. One consumer reported receiving more than 100 calls in one month.

The Fair Debt Collection Practices Act (FDCPA) and the Rosenthal Fair Debt Collection Practices Act (RFDCPA) prevent creditors and debt collectors from abusive and harassing debt collection practices. This includes calling consumers repeatedly or continuously with the intent to annoy, abuse or harass. Although federal and state law does not state the exact number of calls that would constitute harassment, there is a large volume of case law that interprets three (3) or more calls a day from the same debt collector to be harassing.

Creditors and debt collectors should be held accountable for these unethical and unlawful practices. If you are being harassed or subjected to any of these, deceptive, or abusive debt collection practices, it is time to hold ERM accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.