My experience with ERS has to do with a college dept. I couldn't make a payment on it and talked to the accounts manager at the college about how I had to pay for my clutch to be rebuilt. I offered to take in the receipt for the work done from the mechanic shop and she said no need to because I called and spoke with her instead of just skipping it. I also offered to make a double payment the following month because I was recieving enough work to do so. She said that would be great.
Well, 7 days later I get a very rude phone call from an ERS rep and he was supposedly the head of the College Loans department of ERS Collections. He flat out told me if I don't pay off my bill to them (ERS) by that day that my $375.71 left on my bill would become a total of $1500.00 and that they would put a judgment on me to be able to take it out of my paychecks. He didn't even give me a chance to answer that yes this is Russell.
I told him to go ahead and try it that I am self employed (the truth) and un licensed because in my state, I don't have to be if I make under a certain amount in one quarter; Yes, I pay my taxes. Then he got even more belligerent with me when I asked him for a certified mailed copy of there harassment policies. By Federal Law they have to provide you with a certified copy if asked. If they do not provide one then you can counter sue. Well, he hung up on me and then called me back and told me if I wanted a certified copy then I would have to pay off my bill and hung up on me again.
After googling ERS Collections, I went to there website and the head of that department isn't even a male. It is a female. So, I am thinking about calling back and asking her for a certified copy of there policies regarding people who owe and asking her why I haven't even received a letter from them letting me know that my account has been referred to them. Yes, no letter just a phone call out of the blue.