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Is Enhanced Recovery Company Calling or Harassing You?

Enhanced Recovery Company, LLC

Enhanced Recovery Company, LLC (ERC) is a third-party debt collector for clients in telecommunications, utilities, banks, and student loan industries. ERC was founded in 1999 and was previously known as Enhanced Recovery Corp. ERC is headquartered in Jacksonville, Florida.

Since 2013, the Consumer Financial Protection Bureau (CFPB), a Government agency responsible for protecting consumers from unfair, deceptive, and abusive debt collection practices, has received 6,229 complaints against ERC.

Consumers allege that ERC has engaged in the following illegal debt collection practices:

  • Attempting to collect a debt that is not owed by the consumer;
  • Attempting to collect a debt that has been paid;
  • Attempting to collect more than what is owed; and
  • Refusing to validate or provide proof of a debt.

After receiving a collection letter from ERC, one consumer responded by certified mail requesting validation of the debt. ERC refused to provide proof of the debt, yet continued to contact the consumer by telephone.

The Federal Debt Collection Practices Act (FDCPA) allows consumers to request a creditor or debt collector to send proof of the debt. Within five (5) days after its initial communication, the creditor or debt collector must send a notice, referred to as the G-Notice. A consumer then has thirty (30) days to dispute a debt and to request proof of the debt.

The consumer filed a complaint with the CFPB and the matter was satisfactorily resolved in favor of the consumer.

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 ERC accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.

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