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Enhanced Recovery Corporation / Debt settled then balance sold

1 United States Review updated:

Joshua and Liza Akley @ Enhanced Recovery Corporation agreed to allow me to settle a debt for Direct Merchant for less than the full amount which I did so within the stated time period. I was told I would receive a faxed closed letter several times which I have yet to receive but I did receive a settlement offer letter. The balance of the debt was sold to another company within ten days of my paying the settled amount. The other company is harassing me for payment. I have written to the new company disputing the debt and asked for the 30 day verification that stated in their letter. I am now going to file a complaint with the FTC (Federal Trade Commission) as well as the NYS Attorney General's Office and maybe if enough people have been wronged by Enhanced Recovery Corporation, we, the people, could get together and contact an attorney and start a class action lawsuit against Enhanced Recovery Corporation. If you are interested, please feel free to contact me.


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  • Te
      19th of Sep, 2007
    0 Votes

    I've had a similar experience with ERC. For the past sixty days, my account was not only paid in full, but it was "overpaid". I was due a refund of $300.36 (the difference from the overpayment) and haven't receive the money yet. I have called and talked with so many different representatives and managers, now I'm running into some of the same people 3 or 4 times on the phone.

    At the beginning, I received the money from a mortgage company in Maryland for refinancing my condo. Since the check wasn't originally written by me, ERC was suppose to re-write the check and send it to the mortgage company and then of course, the mortgage company would write me a check of the full amount.

    I have called 2 times a week regarding the refund check, and ERC would state that the check has been sent to the company, which of course it hasn't. They had confirmed the check number and the check amount. The mortgage company would state that "they haven't received the check" and to tell ERC to cancel the original check and send another one.

    I'm finally getting to the point where I'm going to send a letter to the Attorney General in my state and complain about their bad professionalism and poor management skills. I need closure on to this.

  • Sh
      29th of Feb, 2008
    0 Votes

    I have the same problem now. I settled a debt with this company and now another company is harrassing for the same thing. I'm not sure what to do about it.


  • Na
      7th of Apr, 2008
    0 Votes

    My research shows that Enhanced Recvery Corp does not purchase or sell debt they are simply a "Middle-Man 3rd party collection agency, so it would be impossible for them to have sold your debt they settled. What you need to do is call ERC and request a Paid Letter which they must provide then you can give that to the other agency ceasing your problems...BUT AGAIN ERC does not purchase or sell debt so sounds like your Beef would not be with them. Feel Free to check my resources by visiting and read the about us link

  • Jo
      5th of Jul, 2008
    -2 Votes

    Maybe if you were more responsible for your own debt then you would of never been in this position to begin just pay what you owe and quit pointing the finger at everyone else when it was your fault you didn't pay your bill to begin with period. Why people blame everyone else for there own problems I will NEVER UNDERSTAND!!!

  • Al
      18th of Aug, 2009
    0 Votes

    to the previous statement
    A, you are ###ed and incompetent to understand the fact that people are WRONGED in life. and B, its a legal and civil right to dispute, and stand up for yourself. Stop being a sheep and accepting people walking all over you. Companies who scam people without returning calls and it involving your money, of which everyone has so little of these days, is unjust and shouldnt be tolerated by anyone who doesnt want to do so. Boo to you

  • Do
      2nd of Jun, 2011
    0 Votes

    Is this the same ERC in Jacksonville, FL?

    I had an account which was created by fraud turned over to ERC. ERC never sent a dunning letter, just a settlement offer and payment coupon. I sent two validation letters with no response. I then disputed the account as fraud with the CRAS and HSBC who was the original creditor sent me a letter from their fraud investigation.

    ERC was calling me 5 times a day through a computer dialing system, leaving 1 message that was voice automated - no mini-miranda. They never reported to HSBC that the account was in dispute.

    I filed a compliant with my state's AG office and the response ERC sent was they tried to request additional documentation from HSBC, but at this time it is unavailable. The account is being closed out.

    We are sorry for any inconvenience caused and ERC strives to treat every customer with dignity and respect. I have hired an attorney and am filing a suit against this company.

  • Kr
      26th of Jan, 2012
    0 Votes

    I received a call on 1/25/2012 from Enhanced Recovery Company saying I owed $339.00 from Sprint or Nextel (she didn't know which one) from June of 2005! I told her that I never had a Sprint or Nextel phone EVER, but she had my old address, my Social Security number and my current address and, apparently, my new phone number.

    When I asked about the Statute of Limitations regarding debt collection, she told me that they can try to collect forever.

    This company is the lowest of the low, somehow getting my information and SAYING I owe a bill from 2005. I have never received any correspondence via mail from this company EVER. I sent out a Cease and Desist letter to them today. Also, have contacted an attorney as I do not wish this company to report anything negative on my credit report. Although, being that the 6 year Statute of Limitations has expired, I believe that they cannot do that. But, who knows?

  • Pa
      19th of Oct, 2015
    -2 Votes

    Maybe if you all would pay your [censored] bill's then you wouldn't have to worry about collection agencies calling your [censored] precious phones, you can pay those cell phone bill's and manage to eat out instead of cooking at home then pay your [censored] bill's and stop complaining.

  • Ca
      12th of Feb, 2016
    +1 Votes

    hey Paige Robertson, stfu

    most people here have already said they did pay the original bill or didn't even have said accounts

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