Enhanced Recovery Collections: How to Respond and Win

Are you tired of receiving calls from Enhanced Recovery Company? Many consumers feel helpless when dealing with debt collectors.

You need to understand your rights. You need to know how to fight back.

Here’s what you’ll learn:

• Who Enhanced Recovery Company was and what they did
• Your rights under the Fair Debt Collection Practices Act
• Where to report fraud and illegal collection practices
• How to remove Enhanced Recovery from your credit report
• Steps to take if they sued you

You can stop collection calls and recover from credit damage. You have more power than you think.

Who Was Enhanced Recovery Company?

ERC was a third-party collection agency based in Jacksonville, Florida. The company started operations in 1999 as a limited liability company.

Enhanced Recovery Company was not a debt buyer. They represented original creditors but didn’t own the debts they collected.

The company had Better Business Bureau accreditation with a B rating. However, their BBB profile showed over 1,500 complaints in three years. Their star rating was just 1.1 out of 5.

The Consumer Financial Protection Bureau recorded over 7,000 consumer complaints against ERC.

Contact Information:
Enhanced Recovery Company
8014 Bayberry Rd
Jacksonville, FL 32256

Phone Number: 1-800-942-0015

Your Rights Under the Fair Debt Collection Practices Act

You have powerful legal protections. The FDCPA gives you specific rights when dealing with debt collectors.

Debt collectors must follow these rules:

• They cannot lie to you or pretend to be lawyers
• They cannot threaten you with arrest or lawsuits falsely
• They cannot harass or mistreat you in any way
• They must provide information when you request it
• They must stop calling after you send a cease and desist letter
• They must validate debts within 30 days of your request
• They cannot call before 8 am or after 9 pm
• They cannot share your debt information with third parties

Enhanced Recovery Company violated these laws frequently. Consumers reported harassment, threats, and misleading statements.

If a collector violates the FDCPA, you can take action. Report them to your attorney general’s office. File complaints with the Federal Trade Commission and the CFPB.

You can also sue collectors for FDCPA violations. You have a strong chance of winning when they break the law.

How to Remove Enhanced Recovery from Your Credit Report

Debt collectors can report legitimate debts to credit bureaus. But mistakes happen all the time.

Wrong debts, incorrect amounts, and identity errors damage your credit score. You deserve an accurate credit report.

Request Your Credit Reports

Get copies from TransUnion, Equifax, and Experian. You need information from all three credit bureaus.

Review each report carefully for Enhanced Recovery entries. Look for errors in amounts, dates, or account ownership.

Send a Debt Validation Letter

You can demand proof that the debt belongs to you. Ask Enhanced Recovery to verify the amount and details.

The validation document should include a breakdown of the debt. It should list the original creditor and explain your dispute rights.

Send your validation request within 30 days of first contact. Collectors must stop collection efforts until they provide proof.

Dispute Inaccurate Entries

Highlight errors on your credit report. Gather the validation notice from ERC or proof of payment.

Send a dispute letter to the credit bureaus. Attach your supporting documents as evidence.

The bureaus must investigate within 30 days. They’ll remove or correct the debt if they can’t verify it.

Negotiate Payment Terms

You may owe a legitimate debt. Even then, you have negotiating power.

Debt collectors want to get paid. They often accept less than the full amount.

Consider a pay-for-delete agreement. They remove the entry from your credit report after you pay.

Get any agreement in writing before you send money. Never give collectors direct access to your bank account.

What to Do If Enhanced Recovery Sued You

ERC rarely sued consumers, but lawsuits did happen. Ignoring a genuine debt increases your lawsuit risk.

Sometimes collectors sue for debts you don’t owe. Either way, you need to respond properly.

Respond to the Lawsuit Immediately

You have 14 to 30 days to file an Answer. The deadline appears on your court summons.

Courts issue default judgments when you don’t respond. Collectors can then garnish your wages or freeze your bank account.

Our partner Solo can help you draft a proper legal response. You don’t need an expensive lawyer to file an Answer.

Filing your Answer is the first step to winning. You protect your rights and force the collector to prove their case.

Challenge the Lawsuit

You can fight back if the debt isn’t yours. You can challenge debts you already paid.

The statute of limitations may have expired. Each state has time limits for collecting old debts.

Send a debt validation letter to verify the details. Bring these documents to court as evidence.

Collectors often lack proper documentation. They may not have contracts, account statements, or chain of ownership records.

File a Motion to Compel Arbitration

You can force the lawsuit out of court. Many credit card and loan agreements include arbitration clauses.

Arbitration is expensive for debt collectors. They often drop cases or settle quickly.

Review your original credit agreement for arbitration language. File your motion with your Answer to the lawsuit.

Negotiate a Settlement

Settlement makes sense if you owe the debt. You can often pay less than the full amount.

Send a debt lawsuit settlement letter. Offer a lump sum payment for less than the total.

Collectors often accept 40% to 60% of the original debt. They want to avoid the time and cost of trial.

Get the settlement agreement in writing. Make sure it includes dismissal of the lawsuit.

Our partner Solo provides lawsuit documents accepted in all 50 states. You can handle debt collection lawsuits without expensive attorney fees.