Settle Debt With ER Solutions: Rights & Defense Guide

Receiving a call from a debt collector can be stressful. But you don’t need to panic when ER Solutions contacts you. Many debt collectors want to help you find a payment solution that works.

Stay calm and engage them professionally. Work together to resolve the outstanding debt. If the debt isn’t yours or contains errors, you can dispute it with ER Solutions and the credit bureaus.

Sued by ER Solutions? Respond in Minutes

Don't let ER Solutions win by default. Draft your Answer and negotiate a settlement before the court deadline passes.

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What Is ER Solutions?

ER Solutions is a legitimate debt collection company. The company operates as a subsidiary of Convergent Outsourcing, Inc.

ER Solutions is headquartered in Renton, Washington. The company employs over 1,800 people across five main call centers.

You’ll see an entry from ER Solutions or Convergent Outsourcing if you have a debt. Here’s their contact information:

Physical Address: 800 SW 39th St, Renton, WA 98057-4975
Website: TSI | Home – TSI
Phone Number: (425) 643-3111

Who Does ER Solutions Collect For?

ER Solutions works with various companies across multiple sectors. The company typically takes over accounts 3-6 months after payment failures.

Original creditors transfer your debt information to ER Solutions. The collection agency then contacts you to arrange payment.

Industries they serve include:

Communications
Financial Services
Government
Healthcare
Insurance
Property Management
Retail
Travel/Hospitality
Utilities

ER Solutions Reviews Online

Consumer experiences with ER Solutions vary widely. Understand that collectors work to protect their clients’ financial interests.

ER Solutions wants to help you clear debt without drastic measures. Reporting to credit bureaus or filing lawsuits costs everyone time and money. They prefer working out amicable solutions.

Check consumer feedback on these platforms:

Better Business Bureau
Consumer Financial Protection Bureau
Complaints Board
Consumer Affairs

How Our Partner Can Help

You don’t need to give up if ER Solutions sues you. Our partner Solo offers resources to help you respond effectively.

The mission is simple: help consumers and creditors reach beneficial solutions. You’ll find critical information about debt collector lawsuits.

You’ll learn how to protect your rights when engaging collectors like ER Solutions. Knowledge gives you power in these situations.

Your Rights When Contacted by ER Solutions

The Fair Debt Collection Practices Act governs all debt collectors. ER Solutions must follow specific regulations when collecting debts.

Important rules protect you:

Collectors cannot contact you at work
Collectors cannot use rude or vulgar language
Collectors cannot threaten you with lawsuits
Collectors cannot call before 8 am or after 9 pm

How to Protect Yourself From an ER Solutions Lawsuit

Respond to the lawsuit as soon as possible. Ignoring it won’t make the problem disappear.

The lawsuit continues even if you avoid it. ER Solutions will win by default if you don’t respond.

Smart steps to take when writing your Answer:

Never admit you owe the debt upfront
File an Answer within 14-30 days depending on your state
Mail your Answer copy to ER Solutions with court stamp

The debt collection company must prove you owe the debt. You have the right to make them prove it.

Effective Affirmative Defenses for Your Answer

Filing an Answer lets you point out problems in the Complaint. ER Solutions must prove their allegations before collecting.

The collector must demonstrate:

They have the right to sue you
You are the person who owes the debt
You owe the exact amount they claim

You may get the lawsuit dismissed if they can’t prove these elements. The statute of limitations defense can be powerful.

Each state sets time limits for filing lawsuits. If the statute of limitations expired, you can file a motion to dismiss.

What to Do If ER Solutions Sues You

Here’s a quick rundown of your action steps:

Document all calls before 8 am or after 9 pm
File your Answer within the proper timeframe
Raise applicable affirmative defenses in your Answer
Demand ER Solutions prove you owe the debt
Make them prove you’re the correct debtor

These methods work effectively against ER Solutions. You can win when the debt isn’t yours or they can’t prove their case.

How to Settle Debt With ER Solutions

Debt settlement can solve your problems with ER Solutions. Follow these steps for successful resolution.

Step 1: Verify the Debt

Confirm the debt belongs to you and information is correct. Send a Debt Validation Letter requesting:

Original creditor’s name
Amount owed
Account information linking you to the debt
Date of last activity on the account

Step 2: Make a Settlement Offer

Calculate what you can realistically afford to pay. Assess your finances carefully before making offers.

Consider offering 30-50% of the original debt as your starting point. Our partner Solo can help you make your first offer and streamline negotiations.

Draft your settlement offer and contact ER Solutions. Be willing to negotiate if they counter your offer.

Step 3: Get a Signed Agreement

Get everything in writing before paying anything. A written and signed debt settlement agreement protects you.

Your agreement should detail:

The agreed settlement amount
Confirmation the remaining debt is forgiven
Clear payment processing instructions

Step 4: Make the Payment

Pay the agreed amount promptly per the agreement terms. Use a secure payment method you can document.

Keep records of every transaction. Save receipts, confirmation numbers, and correspondence.

Step 5: Monitor Your Credit Report

Confirm ER Solutions updates your account as “settled” or “paid.” Check your credit report within 30-60 days.

Follow up if the account isn’t updated correctly. You have the right to accurate credit reporting.

Tips for Successful Debt Settlement

Negotiating debt settlement requires patience and preparation. But settlement can provide significant financial relief.

Key tips for settling with ER Solutions:

Start lower than your maximum budget
Leave room for counteroffers during negotiations
Be polite but firm in all communications
Get every agreement in writing before paying
Keep detailed records of all interactions

Document everything from the first contact to final payment. Your records protect you if disputes arise later.

Frequently Asked Questions

What is ER Solutions and are they legitimate?

ER Solutions is a legitimate debt collection company and subsidiary of Convergent Outsourcing, Inc. headquartered in Renton, Washington. They collect debts for various industries including healthcare, utilities, financial services, and retail.

How do I verify a debt from ER Solutions?

Send a Debt Validation Letter to ER Solutions requesting the original creditor's name, amount owed, account information linking you to the debt, and the date of last activity. They must provide proof before you're obligated to pay.

Can I settle my ER Solutions debt for less than I owe?

Yes, you can negotiate a settlement with ER Solutions. Start by offering 30-50% of the original debt amount. Get any settlement agreement in writing before making payment, and ensure it states the remaining balance will be forgiven.

What should I do if ER Solutions sues me?

File an Answer with the court within 14-30 days depending on your state. Never ignore the lawsuit. In your Answer, raise affirmative defenses and demand that ER Solutions prove you owe the debt and they have the right to sue you.

What are my rights when ER Solutions contacts me?

Under the Fair Debt Collection Practices Act, ER Solutions cannot call you before 8 am or after 9 pm, contact you at work, use abusive language, or threaten you with lawsuits. You can report violations to the Consumer Financial Protection Bureau.

How to Settle Debt With ER Solutions and Protect Your Rights