Enhanced Recovery Company [ERC]
Reviews and Complaints

Apparently, there is a lack of writing skills at ERC. Tonight, after and hour and a half conversation, trying to get a letter or email from them, stating that if I paid the amount they said I owe, that they will mark it PIF and do a Deletion of the report.
They said they cannot write such a letter. ATT says I owe them $72.00. I disconnected the service in 2011, due to poor cell phone reception and was told that there would be no further amount owed. My bill was always paid if full. When I checked my Credit Score, up pops a claim that ERC put on my files stating that I owe. Figured it would be easier to pay the $72 than argue with ATT and get this removed. I was wrong. They promise the moon, but will not put it in writing. Even had one person tell me that he said what he said, which was what I was asking for, but he could not put it in writing, because he could not put an untruth in writing. So he was telling me he was lying to me, then got mad at me, when I called him on it. Will fight ATT tomorrow.

I also wrote a complaint against this company.

Send them a cease and desist in the mail. Keep a copy. If they call again, sue them.

This company called looking for me and in turn asked to speak to my landlord instead of me about a debt that is questionable at best. My daughter who they coerced into getting involved who is a minor and who was confused, she is a nine year old. They have somehow found out about where I live and who I live with and seems to be trying to get more information about my life. This is an issue that pertains to me and me only I am absolutely disgusted at the practices this company will use and at any and all costs. I am disgusted and would love to have the money to sue these people until the cows come home, hopefully they what they have coming to them in some form or another. This place is a joke and a complete and lack of utter time.

I have had the misfortune of having the last same name as the person this company is trying to contact. It is apparent that they are using master phone lists and calling everyone that has the same last name. They state that if the the matter does not pertain to you, to ignore the message and delete it. They were told last year, the first year this started, that there was no person within the family who had the name "Howard". Nowhere within the recorded messages that they leave, do they state that if you are not the person that you need to take time, (yes, your own private personal time) to maybe give calling them at the number they left for "Howard" to get them to leave you alone. Then year two came around and they started calling for "Howard" again. When I called them to tell them no "Howard" is in the family blood line, they were extremely rude, stated they would take me off the list and then, without any apology abruptly hung up. There should be a law against using Master phone lists, like those used by politcal action groups and your neighborhood Goodwill Organization in an attempt to harass innocent people in pursuit of getting as much dough as they scrape up for the company coffers. I have no sympathy for those of you who that we should be more understanding. I've read some of your comments and you are way off base. Nobody should have to put up with this, even if they once were acquainted with the offending perpetrator or not.

If you actually look at the perspective collections side of the party then you are way off ... its not the collectors that place your number on file its done by the people that opened that acct with the client originally...if its son, brother, father, or friend then your problem should be with them... not complaining because you got a call...also try to be polite if you hang up in someones face how are you being professional? in collections there is no do not call list that is for solicitations... FYI you can be polite and asked then to update there systems...but just know when your brother Johnny opens another acct in his name and he DOES NOT PAY HIS BILLS they will try to call him to let him know that he is delinquent and you decide not to pick up he phone or pick up and hang up ...trust me you will get another call... AGAIN FYI if you are polite you can achieve anything ... even get people to pay there OLD BILLS!

Ok I used to work for the company and calling them bunch of low-life half-breed mongrels leeching off of decent human beings. Its their fault that your number popped up when they were searching for a contact number. All they want is a good contact number and all you have to do if you dont want to give out that number or if you dont know the person WRITE A MESSAGE or as if you can get your number removed from the system you call them idiots cause their calling you when all you have to do is say "dont call this number anymore" and as for asking what this is in regards to they are not going to tell you due to 3rd party disclosure they dont want to get fined so dont get ### with them when they tell you that FDCPA law are the laws they have to abide to. Dont blame them if you were listed as a known associate.

What kind of people prey on other people? From what I see ERC is nothing more than a cell of below human quality to pick on innocent people. Yes, I understand that there are some that owe money and lie, but if a person tells you that they are not that person, then you should believe them until you can prove otherwise. Don't keep calling them and harassing them. I have a new number and get calls for 3 different people. I believe one of the people is older and was taken advantage of, so she changed her number. The other sounds like a younger guy who has ripped off everyone he is in contact with. Why must I have to keep calling back these numbers and explaining I am not that person? Also, with ERC when you pick up the phone it is a recording. How are you suppose to tell them that the person they are trying to reach changed there number? Plus, and this is my favorite, they leave a message and tell you to ignore the message if the person is not at this number. How do you ignore it if they call every day and leave the same darn message? What a crock this company is with a buch of low-life half-breed mongrels leeching off of decent human beings.

maybe if u wasnt so rude and nosie maybe they wouldnt treat u that way

Oh god! this is exactly what happens to me every single day they call leave a message and expect you to call back! Okay I mean if you really had a debt & you totally knew about it well then yeah you would right away catch on to the program & say "oh you know what these people are calling me because I owe this this and this" but I say this is just people who want to take advantage of other people by charging them with things they didn't even knew about! These people are complete rip-offs they just try to get easy money! I also see there is many people who complain about this situation & I suggest we all make a petition to have this SUPPOUST company investigated because for so many people to be complaining about the same thing doesn't make since!

THESE TOTAL IDIOTS (ENHANCED RECOVERY CORPORATION) CALL ME EVERY DAY WITH AN AUTOMATED MESSAGE FOR THE WRONG PERSON. THESE GENUISES STATE IN THEIR MESSAGE "IF YOU ARE NOT THIS PERSON THEN DELETE THIS MESSAGE" - REALLY? NOW THESE FOLKS HAVE REALLY GOT THEIR ACT TOGETHER. THEN THEY NEVER, AND I MEAN NEVER, ANSWER THEIR OWN PHONE, WHICH TELLS ME THEY ARE SERIOUS ABOUT COLLECTING SOME DEBTS. ALL YOU HAVE TO DO IS TYPE IN PART OF THEIR NAME ON THE SEARCH SPACE AND AUTOMATICALLY PHRASES SUCH AS "ENHANCED RECOVERY CORPORATION SCAM", "ENHANCED RECOVERY CORPORATION WRONG NUMBER", "ENHANCED RECOVERY CORPORATION HARRASSMENT" COMES UP. APPARENTLY THESE LOW LIFES HAVE BEEN UP TO WHATEVER SCAM THEY ARE PULLING FOR A WHILE.

Your complaint is not ridiculous (as stated by Geg) -- These guy keep calling my CA cell "looking" for some Micheal guy, I have repeatedly told them that I don't know this guy -- spoke to the FL Attorney General's Office today they have lots of complaints (similar to ours) about ERC. DON'T GIVE THEM YOUR SOCIAL SECURITY NUMBER! Call the FL Attorney General's Office at [protected]. Or the FL Office of Financial Regulation [protected] and file a complaint.

Your complaint is ridiculous. If you called them and told them they were calling for someone you do not know...without the defensive attitude that appears you have then they would not ask you about your social. You had to have lied and pretended you were the person they were asking for for them to even assume your social would match the person they are looking for. As for the insisting you hooked up or dated them...YEAH YOU ARE SUCH A LIAR! I do not know why you would even assume anyone would think your complaint was ligit. Go get a life!

Question: If you apply for a Credit Card and put down your work number, why on earth do you think that would be required? That's because if you do not pay your CCD bill, they can contact you to find out why. If you are not allowed calls at work, I wonder why you would hand out your work number so freely. Was it because of that shiny $5, 000 credit limit?

There are FEDERAL laws that limit the way collection agencies are allowed to contact debtors. The method used in your case is PROBABLY illegal.Contact the FTC for details, or google FED LAWS collection agencies. GOOD LUCK.

This company has called me multiple times to collect a debt for a person whom I do not know. I have returned their calls multiple times and explained that my phone number IS NO LONGER the phone number of the person they are seeking; and that I do not even know the person they are calling for. They have explained that they have "multiple" collection accounts for this person; and that my phone number is associated with all of them. They have promised me (multiple times) that my phone number would be removed from these collections accounts. Finally, today, I threatened them with a lawsuit for harassment if they continued calling me.

hey Paige Robertson, stfu

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

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

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?

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.

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

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!

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 Erccollections.com and read the about us link

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.

Shawntay

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.

recovery co. have no power, especially if its unsecured debt. also the cc companies, some banks like Well Fargo seriously rip the common man off. its no secret. best thing to do if you owe unsecured debt, is to negotiate a deal. one on one no middle man. you can usually settle for pennies on the dollar, and have your credit restored in the process...

you will soon find out how moral ERC is. My name is Dana Elliott, and I am meeting with an attorney next Thursday to sue their dishonest ###. I had an account with DirectTV, which I discontinued in Feb 2009. According to instructions, I sent the bulb in the dish back to them in the box they provided me. They claimed they never received it, and told me I owed them money. I refused to pay, so they sent the account to a collection agency. It was taken off my credit report last year, but then ERC bought the account and illegally re-aged it, and reported it. I am about to sue them for every penny I can get from those dishonest money grubbing ###..

Had to look up this company as they randomly showed up on my credit report. The female on the phone was rude, insisting that letters were sent, and robo-calls made, to which I totally disagree. All she was concerned with was if I was going to pay, I asked for something in writing and she hung up on me. WOW, that's great customer service.

ERC is an accounts receivable company. Translation? A nice way of saying they are a debt collection agency. When a bill goes unpaid, it eventually end up in the bowels of financial instability...collections. Debt is something that everyone has to endure at some point, never by choice, but in the end, there's no pity. You signed up for a bill, you broke a contract, you closed an account with out dotting all of the i's and crossing all of the t's...lot's of reasons. You are responsible for this bill. After the debtor has received a specified number of warnings the account is referred to collections, which could either be an internal department or an outside agency.
ERC is a call center. They employ hard-working people who must pass a drug-screen, a criminal background check, and an entry exam. They go through an extensive training course where they are taught all of the collection laws and tested on them before they ever speak with a customer. ERC agents provide a valuable service to debtors by helping them prevent falling farther behind on their payments. They are willing to set up affordable payments for a customer, sometimes at a fraction of the original bill.

Read more : http://www.ehow.com/how_8786178_successful-debt-collector.html

Just get a new number, preferably a cell, then block the number or just change out every so often.
After 7 years they have to write the debt off and will stpp bugging you

No one that works for Enhanced Recovery and posts on this complaint board is going to admit their wrongdoings. They would be fired or open the company up for more issues. None of their employees or friends that post here are going to tell the truth about their unscrupulous activities.

So, when you read comments from their employees or pals that they are a professional company...simply ignore their statements. They will lie like dogs to protect themselves and to keep their doors open for their illegal activities. Its about $$$$ for them. How they obtain it, is irrelevant.

Enhanced recovery is nothing more than a collection of spiders preying on people and will accomplish their goals anyway they can get away with it.

Eventually, a class action suit will take them out from which I understand one is currently being put together.

I called this company to check on a bill that I felt I didn't owe, or at least not the amount quoted. I spoke to a rather rude lady. When I told her that I would cal the original debtor, she said "go ahead, they'll send you back to us anyway" in a very condescending way. Whether she was correct in her statement about referring me back to them or not, that was very rude and unprofessional. I finally took care of the bill, but not for the inflated amount they asked for. After speaking to the original debtor the amount went from $636 to $240.00 which was the correct amount. Not everyone who post negative comments are disgruntled. Many of us want to take care of our due business, but in no way it means that we have to put up or tolerate rude, disrespectful or flat out unprofessional treatment nor let it go unchecked.

Had them taken off credit report TWICE now they are trying to report under new contract on our credit report...Now that is seriously Illegal... and for those who say Pay your bills! you must not read English very well..over half the people on here have stated they have never owed the bill that is trying to be collected on or they have paid the bill .and it is still trying to be collected on, , , , so if you can read English...it's pretty CLEAR just how dirty and corrupt this company really is..

very unprofessional and illegal practices! I got a email saying something was added to my credit report last week, so naturally I log in and check. Well its for a T-Mobile account that was opened last year. problem with that well me and my husband have been with sprint for 9yrs. yes I had T-Mobile 9 years ago! Called T-Mobile they have no record of a account in my name last year or record of balance owed! I an going through the process to have this removed if isn't removed I will be taking legal action!

Received a call from [protected] on 12/06/2014 at 11:47 AM, CNAM read as "TOLL FREE CALLE." We later redialed the number (anonymously) and heard the following recording: "Thank you for calling ERC. This entire call is being recorded and may be monitored for quality and training purposes. Press one, if you would like to make a payment through our automated system. Press two, if you would like to request a paid-in-full or settled info letter. Press three if you would like to report a wrong number. Press four to speak to an agent."

There is a huge SCAM, a multimillion dollar SCAM, being forced on the american public!

And our legal system is in on it!

third party debt collectors!

When you stop paying on a credit card debt,
The original creditor is mandated by federal law, to charge-off an account when no payments have been received for 180 days.
That date is refered to as the �Date of Last Activity (DLA)’ and reported as such, to the credit reporting agencies by the creditor.

After they write it off, they "Bundle" all these uncollectable accounts and sell them for pennies on the dollar on the open market, this is where the 3rd party debt collectors come in.

They BUY a "BUNDLE" of this uncollected debt info from the original bank.

However what they buy is your name, account number, and what you owed to the original bank.

They rarely or never get your "original signed contract" with the credit card company, your last statement of payment on the account, and the original writeoff amount.

This is what they need to "PROVE" in court that they now have "TITLE" to your original debt.!

This information is usually sold several times within the "networks" still as a BUNDLE
of uncollectable debt!

They will harris you on the phone, send threating letters, saying that they represent
"XYC LLC" who now has title to your Bank of Bundi account in which you owe some
ridiculous amount.

First off the "XYC LLC" company is usually some "shell" company that the collection law firm has setup, because by law, the law firm itself cannot hold title and try to enforce a judgement against you.

So they have to "represent" a client who holds title, so they claim against you.

The law they are trying to collect on is "CONTRACT" law, , which requires them to have "the original signed contract", and the "deeds of transfer", indicating your account specifically with the "deeds of transfer", and a copy or original of your last statement, indicating your last payment on the account, and the "charge Off" amount. Which the original bank "wrote Off" its books.

They never have any of this information, what they present to the court is a hodge podge of information, a pasted piece from an excell spredsheet with your name, address ect, usually 2 pages sideways, "certifications" which are assembled by their own staff on their own computer systems, including usually an amount you owe which they assembled from their own computer system. From this "Budle" they bought for pennies on the dollar!

The problem is unless you "ANSWER THE LAWSUIT" Requiring you to file an answer to the suit, contesting the "CONTRACT CASE" Pay the $15.00 fee to the court, and Show up on the Date of the court hearing and contest the case by demanding that they supply the original contract, deeds of transfer, and last payment statement, "
indicating your account "specifically" and the "charge Off" amount...

They will request a default judgement from the Judge..and he will grant it!

I have specifically fought 3 cases against me, taking several court dates, time off from work, endless hours of waiting, but they realized
I knew what I was talking about and that they could't proof their case,
IE get over on me...and they dismissed their suits...
go here...http://www.budhibbs.com/index.html
here Collection Agencies Illegal Practices ~ New Jersey
http://caipnj.blogspot.com/
and here
http://www.geocities.com/presslerclub/

and here
http://www.debt-consolidation-credit-repair-service.com/forums/index.php

and here for a expose on tv
http://www.youtube.com/watch?v=NTVZ4rU2_84

The reason the courts are usually on their side is "MONEY"
each time they file its $15.00 fee, each time you answer its $15.00 fee,
multiply that times the thousands of collection cases and you can see how the courts make money..not to mention that its a "Buddy" system..

you can email us at stopthirdpartydebtcollectors@yahoo.com
for more info!

I'm getting calls all hours of the day and night from this number [protected] but my number is registered on the do not call list and when I try to call back it says there associated with Erc but they don't say who there collecting for the only credit cards I had with capital one was back I. 1997 which my x husband was responsible for according to my divorce decree and I had this written off

Enhanced Recovery Company, LLC does in fact continue to make collection calls even after the following:
1. You have informed them that this is a new phone number and you do NOT know who, or where the person they are looking to collect the debt from, is.
2. You press #1 as instructed by the robo call that you ARE NOT the person they are looking for.
3. Best to file complaint with BBB and Consumer Financial Protection Bureau.
4. Post what ERC has been doing to you at ConsumerAffairs.com, Complaintsboard.com, [redacted].com and creditboards.com
5. Send Certified Letter to ERC that you are NOT person they are looking for and give them your name & phone number and inform them to never call you again. If none of the above works...
6. Call your attorney

The person that works for these [censored]bags ERC (whitney) is full of crap. They call me all the time and say my number is not in their call list. i dont owe them anything, or anyone for that matter. I have requested my number be removed and it didnt do any good. they want my personal info and they can kiss my ###. Cease and desist letter then suing for each call they make. it is going to get expensive as I have about four of these companies i am dealing with that call daily. I hope you F***s die in a fire!

I'm unsure if any of you have even taken a look at this company on the BBB or their personal website. They have an A+ rating with the BBB and they've been in business for 10 years. I've worked in collections before so I know that due to 3rd party disclose laws they have to verify you are the correct person by name & address and in many cases last four of social security. If the address and social don't match you then the rep should understand they simply called the wrong person with the same name and remove your number. And all of these companies have reference numbers and should be able to pull up your account with your social security number so I'm unsure as to why they couldn't pull up your information, Jennjay.
And enough of this crap, these companies find telephone numbers based on what numbers were provided over the years of the person they are trying to contact. So, nine times out of ten you have their old number or the individual just used your name randomly. Normally the first scenario is correct. And no one is a mind reader including yourself, so how are they supposed to know it's a wrong number. They don't benefit by calling the wrong number so they have no problem deleting it.
This company has proven not to be a scam. check out their website at: www.erccollections.com and look them up on BBB in state of Florida.

Enhanced Recovery is a very rude, obtuse, and immoral company I have ever seen. They have been harassing us every day for months by leaving a lot of recorded messages pretending to look for someone else even after we had filed several complaints telling them to stop. I believe this company is lying when saying that they were looking for someone else when dialing your number. They call you on purpose, and if you pick up the phone, they will try to get your personal info by telling you that they need them for verifying a debt, and also try to advertise their financial services while they have you on the phone. If you don't pick up the phone, they will continue to leave a lot of recorded messages on your machine every day until you call them back so that they can begin with their scam. Don't fall into their tricks. Since they are not allowed to call you if you put your name on the "Do Not Call List", then they try to make people believe that you owe them a debt, and if you don't really owe them anything, they try to make it sound like their calls are intended for someone else but dialing at your number. They will continue to aggravate you until you call them back so that they can talk to you. If someone really owe them a debt, they should have all their personal info including the mailing addresses. After leaving several messages and no one has called back, they should stop calling and try something else instead of harassing and interfering into other people's peace. I urge that the Government should have strict rules against these debt collector/financial advisor companies from harassing other people.

If you are getting calls from different agencies, theres a good chance that it is in public records as having this number for that person...as the person mentioned before "skip tracing" is a tool agencies use in order to contact the consumer... which most collection agencies dont even do theirselves..its an outside company who simply "skips" and then loads the number into a system...eventually if the collection agency cant contact the consumer..the origianl client who is collecting... recalls the account ( because its not bought or sold) and yep guess what..sends it to another collection agency who repeats the same process...so the person on the other end isnt a "prisoner" as you stated..just a person doing their job like you ...the collector on the other end is simply on a dialer which dials for them...so trust me we dont wake up wondring how we can annoy everyone we speak to

I am in the same boat. Just got my first call from ERC today. The only thing these people have is my phone number. The name of the person they are looking for is not me. The address where I live did not exist before so this phone number cannot be tied to my house and a previous resident. This "bill" has been passed on to at least 6 collection agencies. It is now with ERC. I have never received anything in the mail telling me or the person they are looking for what is owed anor how this debt came to be.

I like the guy who said just call and tell them they have the wrong person. I called ERC back to tell them they had the wrong person. I was told by Lisa that I must owe this bill and I was trying hide. They will continue to call until I stop hiding and pay. LOT OF GOOD IT DID TO CALL THEM BACK!.

This must be prisoners working the phones. Who else would refuse to take down any information to help locate the right person. Who else would continue to waste the company money on rebo calls. Who else would tell you they are going to continue harrassing you until you stop hiding and pay?

So much for the statements from the former employee who said That ERC does everything legal. The need to get an open mind and realize that not all of us owe anything. Many people actually do not owe them and they are calling the wrong person. They have the wrong phone number. Get up and do the research and get the right person and stop calling me.

AT&T has confirmed that the person they are looking for has NEVER had my phone number in the past.

I have called every agency back when they first called to try and tell them they have the wrong phone number/person. Only one agency took down the information and actually stopped calling. Then they sold the junk account to the next agency. That was a big help. That was three agencies back.

I now record all phone calls, which I tell them I am doing; and am now looking to file a lawsuit for harrassment. I am going to include all six companies.

I am a private investigator in California and know quite a bit about what information can be obtained by a valid debt collection. One of the activities we carry out is called "Skip Tracing". When someone has a court date and "skip" out on the date and the bail, we are the ones that must find them by every legal means available to us at the time. One of the most valuable pieces of information to us is the "Credit Header". A credit header is the information that every credit report has at the top. This credit header has a host of very important information, name and aliases, current and former addresses, SOCIAL SECURITY NUMBER, and many other pieces of information.

Mr. Whitney, to put it mildly, is full of it. If he were professional, he would at least get this header information for confirmation that the name address and most importantly the SSN all matched up with the information he had been given! Either be a professional, or get ready to be sued. If anyone wants a Class Action Suit, I would recommend against that. A personal suit will garner you more money in a shorter period of time, and when these suits mount up, the company will revamp their practices and start acting like professionals. I have absolutely no sympathy for the collection agencies that are too lazy to do their job right.

There is a huge SCAM, a multimillion dollar SCAM, being forced on the american public!

And our legal system is in on it!

third party debt collectors!

When you stop paying on a credit card debt,
The original creditor is mandated by federal law, to charge-off an account when no payments have been received for 180 days.
That date is refered to as the �Date of Last Activity (DLA)’ and reported as such, to the credit reporting agencies by the creditor.

After they write it off, they "Bundle" all these uncollectable accounts and sell them for pennies on the dollar on the open market, this is where the 3rd party debt collectors come in.

They BUY a "BUNDLE" of this uncollected debt info from the original bank.

However what they buy is your name, account number, and what you owed to the original bank.

They rarely or never get your "original signed contract" with the credit card company, your last statement of payment on the account, and the original writeoff amount.

This is what they need to "PROVE" in court that they now have "TITLE" to your original debt.!

This information is usually sold several times within the "networks" still as a BUNDLE
of uncollectable debt!

They will harris you on the phone, send threating letters, saying that they represent
"XYC LLC" who now has title to your Bank of Bundi account in which you owe some
ridiculous amount.

First off the "XYC LLC" company is usually some "shell" company that the collection law firm has setup, because by law, the law firm itself cannot hold title and try to enforce a judgement against you.

So they have to "represent" a client who holds title, so they claim against you.

The law they are trying to collect on is "CONTRACT" law, , which requires them to have "the original signed contract", and the "deeds of transfer", indicating your account specifically with the "deeds of transfer", and a copy or original of your last statement, indicating your last payment on the account, and the "charge Off" amount. Which the original bank "wrote Off" its books.

They never have any of this information, what they present to the court is a hodge podge of information, a pasted piece from an excell spredsheet with your name, address ect, usually 2 pages sideways, "certifications" which are assembled by their own staff on their own computer systems, including usually an amount you owe which they assembled from their own computer system. From this "Budle" they bought for pennies on the dollar!

The problem is unless you "ANSWER THE LAWSUIT" Requiring you to file an answer to the suit, contesting the "CONTRACT CASE" Pay the $15.00 fee to the court, and Show up on the Date of the court hearing and contest the case by demanding that they supply the original contract, deeds of transfer, and last payment statement, "
indicating your account "specifically" and the "charge Off" amount...

They will request a default judgement from the Judge..and he will grant it!

I have specifically fought 3 cases against me, taking several court dates, time off from work, endless hours of waiting, but they realized
I knew what I was talking about and that they could't proof their case,
IE get over on me...and they dismissed their suits...
go here...http://www.budhibbs.com/index.html
here Collection Agencies Illegal Practices ~ New Jersey
http://caipnj.blogspot.com/
and here
http://www.geocities.com/presslerclub/

and here
http://www.debt-consolidation-credit-repair-service.com/forums/index.php

and here for a expose on tv
http://www.youtube.com/watch?v=NTVZ4rU2_84

The reason the courts are usually on their side is "MONEY"
each time they file its $15.00 fee, each time you answer its $15.00 fee,
multiply that times the thousands of collection cases and you can see how the courts make money..not to mention that its a "Buddy" system..

you can email us at stopthirdpartydebtcollectors@yahoo.com
for more info!

On Sept. 18th 2017

A rude and combative representative from this company called my residence and asked me if I knew one of two people. I did not confirm nor deny my familiarity with one of the names this person inquired about and instead asked what this was in regards to. She asked "Do you know them or not." This went on for quite a while. I spoke to her manager whose attitude explained the original callers bad behavior. At the end of this call he was now only rude and indigent he was speaking to me as if I had something to do with whatever they were trying to collect. Remember, I was listed as a reference according to them and I have nothing to do with the person who allegedly listed me as a reference. The manager, freely gave me his employees first and last name indirectly dared me to file a complaint. What recourse does a bystander have against this type of harassment. How can this type of bad behavior be legal. It is clear from the representative and the managers behavior that this type of treatment is a norm and not only tolerated but, in my opinion, encouraged. What rights does a bystander have against such terrible people.

Advise smb!

Enhanced Recovery Corporation has been continuously calling my house for me, for people that don't even live at my house after I sent them a Cease and Desist Letter. I taped the voicemails left on my machine for proof. I would like to collect the $1,000 for each offense but don't know how to go about this without having to payout any money. They don't even say what the debt is for.

how quick you are to criticize people who were turned over to collections for not paying credit card bills. most people do not choose to be in debt things happen like major illnesses which can cause people to be out of work and get behind it happens alot and could even happen to you. yes there are just plain losers out there who just don;t give a crap and need to be held accountable but calling people and talking to them like they are dirt is not right.

Wow Jack, do you just have a forum response that you post? Not only did the complaintant mention that they were not the one the incured the debt but they also mentioned that the company admits that they were not the one who incured the debt but a reference. Also the complaintant never mentioned anything about being the customer of the service in question. So nothing in you comment actually applies to the complaint at hand. Also I hope that you do not treat the individuals that you contact in the same manner as you treat complaintents here, or else those individuals have a good claim against you for violation of the Fair Debt Collection Practices Act.

This company continues to call my house (every 2 to 3 weeks) about a woman who has a similar sounding first name and lives in the same town. She has a different birthdate, address other than the town. I've called the number they leave on a message every time and have given up talking to the computer to have the number removed. I've started talking to a human to have it removed. Each time, I'm told, "this location just got the account, but we'll be glad to remove the number." I've asked them to please leave a note in the account about it which they've said that they've done However it continues month, after month, after month.

It has to be illegal for a company to use voice mail in the way this company does. Your phone rings, there is a long silence on the line, just about when you are ready to hang up they come on with a recorded message. Giving instructions on what you must do. There is no time for you to actually collect the information they are giving unless you are sitting there with pencil and paper in hand. I don't think this is a genuine attempt to contact a debtor but rather a attempt to harass. There is no information given as to who they represent but rather its a important business matter. Maybe important to them, but not to me.

Yes ERC either by default or intentionally they are ignorance or arrogance. They act like law enforcment and bark to intemidate you. If you ask me they are there to collect certain percentage of any amount without any regard to the facts at any cost. That is how they make their living.

Any one who have a legitmate problem please report them to FTC.

Sounds like Jack not only works for a collection agency but he is also perfect, imagine that!

Ok Wilma...let's talk about grammar first. Ok “d'ont” isn't a word. When putting the words "professional" and "debtor" together that makes “Professional Debtor“..definition: YOU! You need to get off your high horse and stop talking down to people to make yourself feel better, it's shameful. Now Wilma when you called ERC you probably had this same attitude and of course like any other human being, does not like being treated like this, including bill collectors. You are the reason we look bad because you call us being irate and what do you expect as a reaction from your behavior from again another human being? Wilma..look..as you can clearly see they definitely were not apologizing to you or any one of these "professional debtors"! Loose the attitude and you just might have positive results in your horrible excuse for human existence you call your life.

As a former employee of Enhanced Recovery Corporation, and also as somewhat of an expert regarding every collections State Law applicable to North America, I'll have you know that most of the "research" tips you give on the Complaints Board is completely false. The reason that the fines for breaking any of the state laws are so steep is because every employee there has been trained not to break them. Every phone call is completely legal, every word we say is part of a strict guide, and every rebuttal is completely within the guidelines of the FDCPA laws (since you don't accurately complete your research, I'll just let you know that that stands for the Fair Debt Collection Practices Act.) You can look that up.

As for the "unjust" phone calls that have repeatedly been deemed "harassing" are also completely legit. After three months of ignoring your Credit Card statements (which are actually a luxury, not required by law and should be accepted as such) and the proceeding three months that ERC holds rights to these accounts, I do believe that these "victims" have had plenty of time to come to terms with the reality of how bills work. You take someone's money, then cry when this person after six months asks for their money back? Not to mention that all of the collection steps are clearly stated on the Credit Card application that these innocent people are so eager to sign. My suggestion: If you don't readily have $10, 000, don't accept a credit card claiming you can pay someone that amount of money. Is that not common sense?

The term "Cold Call" is laughable at best, considering that all of the information given to us by Discover, MasterCard, Visa and American Express (Can you guess where this is going?) is given to us by *gasp* The Card holder. When you fill out that attractive piece of paper that gives you all this free money, you have to supply your Name, Social, Address, ect. We are not magical. We do not ask you for your Social for our pleasure, we verify it. And I literally laughed out loud when I read your advice on pretending to be said card holder to obtain information. Well isn't that just the pot calling the kettle black? You see Nick, in America, that's called fraud. Also you cannot record our phone calls unless you have asked our permission. There is no exception to this. We only record our phone calls because we include a declaimer informing you of our intent and purpose for calling, which is given in every call. (Much like you'll hear, should you call your cell phone provider or local bank.)

So, just to educate you Mr. Bleeker, as a former collections agent we do not wake up in the morning with a mental list of all the people that we want to make cry on our telephones. We do not enjoy being called names, being lied to or being evaded. We have families and lives and feelings and we also pay our bills on time. We are not in the wrong. Personally, I have spoken with many people who have simply fallen on hard times and could not foresee what was going to happen. In which case I pull as many strings as I can find to get these people a low settlement (which is not an option by the way, with their CCD provider) If any of the people on this Complaint Board had called this company and rationally explained their situation with intent to pay (Not to mention if they had simply paid their bills in the first place) nine times out of ten they would have walked away paying MUCH less than they owed. This to me sounds like a huge favor our company is doing for them. And just to be clear, when life gets tough, you still have rent to pay and your children are still hungry. Delinquent card holders expect bills to take a few months off. Now where was the small writing on the application that said THAT would happen? Right next to the small writing that said life was going to be easy? I thought so.

They are ###'S They Don't care I told the ### head I had a letter from A T&T saying ( We apologize for any inconvience this has caused You . You think they would let Me E-Mail them a copy, but no They do not want to hear it )

I work for this company. People pay and want that debt removed from their credit and the company only sends an UPDATE LETTER TO EXPERION, if that. Most of these people pay over the phone and are charged up to $12.95 per payment transaction and have the hardest time getting a Paid In Full Letter from the company which is really bad considering they never received a letter, only a phone call for collections. I know for a fact that they will get accounts from companies and try to collect on not only OLD accounts but accounts that have already been paid on. CenturyLink sent over a load of old accounts that should not have been collected on and the company sent out letters to those people for the money and COLLECTED MONEY THAT WAS ALREADY PAID. It works because THE PEOPLE PAY! Most of the time people pay just to have the phone calls stop or because they care about their credit and don't like owing anything. If they would say "STOP CALLING ME", that stops all phone calls to that phone number. Better yet, they can say "DISPUTE THIS" and that will stop all phone calls and letters. This is a private collections company so they pretty much do what they want. Only a hand full of the workers there are NOT ghetto and rude, even the management is rude...and GHETTO. I inform people on what their rights are and they greatly appreciate it. But I know the company doesn't. I refuse to help someone STEAL. If I feel something isn't right then I act on it. "If you don't stand for something, you WILL FALL for anything" so this stand my get me fired and if it does then at least I won't have any regrets. Its not a good feeling being ashamed of where you work because you have morals. I would rather work somewhere for far less money and still have peace of mind. Just remember if this company calls you or sends letters to you, DO NOT PAY THIS COMPANY. THEY ARE A WHOLE IN THE WALL SCAM! They have employees smoking weed and snorting coke on their breaks and the managers know about it and some of them are the managers. They even have meetings and once talked about how they are not a part of the "Illuminati" or whatever cult. This is a very unprofessional "LLC" and don't let them intimidate you. The trainer on has a high school education and pretty much just controls a slide show to inform new employees about state laws. Thats all they are concerned about. If its not breaking a law, they do it. They may fool others but don't you be fooled. I can't tell people all of this when they call and I just feel like people have a right to know. I would want to know and want someone to tell my parent or child.

If this has worked for you Steve...then you have been dealing with idiots. There is no chance, A: Someone will actually get that info from me. That is the job they do. They already have every piece of info. You confirming portions of it won't make difference. Chances are if your in collections then they don't want to abuse YOUR credit anyway. B: Like that would make any decent collector stop collection attempts. Umm no, get real. That is the job . Take a second and think why they do that, and if they didn't.

*all legalities and disclosure read before info is given out*
Me: Hi, Steve.
You: grrr...Whos calling? (I'm pretty sure youll have mr. grumpy face on)
Me: Steve...Smith? Hi :)
You: GrRRr...who's this? Where are you from? How'd you get my name and number?
Me: Blahh Blahh I'm with ... And my name is ... This is regards to personal matter. Before I can proceed, may you please verify the last four of SSN? (I can see how it's strange)
You: NooooOooooo (I imagine you spitting fire)
Me: we'll how about your dob?
You: NoooOoooooo (now acid rain has started to pour out)
Me: Mr. Difficult guy ( that's you Steve), what I could I possibly do with your dob? Please tell me. That is information most people have no problem sharing when asked. (that's what I would've said :))
You: I don't know who you are...rawwwrrr...or for all know you could be trying to steal my identity.
Me: no Steve..( please read in SUPER sarcastic tone, one that makes you look like an idiot) I'm not trying to steal your identity. If you would take a few moments I could explain the reason for my call. Or you can continue to yell, we get nowhere, and your credit remains as tarnished as the day before.
You: what does this have to do with my credit? Whoa whoa what?!
Me: oh no I'm very sorry, Steve was it? I'm unable to disclose that personal information until I confirm I am speaking with the correct person. SSN or dob? :)
You: ahhhhh...(I imagine somewhat of a protruding blood vessel coming from your forehead)
Me: (please picture me sitting in my relaxing chair in from of my computer with a hands free headset, eating some sort of snack and drinking a delicious beverage In a AC filled building. Mmmm :))
Well, Debtor, you owe $$. (key reason why I don't want your identity or credit) how would you like to pay or would you like to argue with me again. (ps...we aren't listening to your ###, lol were human not gods. I can barely take my own whining, you think I want to heart you Steve. Lol not!

Stop being difficult and it would be much easier and less painful to deal with. Aduh!

I have the best cure for people like this when you are receiving phone calls for people that are NOT at the phone number they are calling. Tell the caller you want their full name is it is on their social security card, the last 4 digits of their social security number and their physical location.

Taken from ERC's web site, under Company Information:

In August 2010, we accepted a new private equity investor into our business. The name of the firm is RLJ Equity Partners. With the investment of RLJ Equity Partners, we are now the largest minority owned collection agency in the country. RLJ was formed by Robert Johnson through a strategic alliance with The Carlyle Group in 2006. Prior to forming the RLJ Companies, Mr. Johnson was Founder and Chairman of Black Entertainment Television (BET) which became the first African American owned company publicly traded on the New York Stock Exchange. In 2007, Mr. Johnson was named by USA Today as one of the 25 most influential business leaders of the past 25 years. The Carlyle Group is one of the world’s largest private equity firms, with more than $85 billion under management. We are truly fortunate to be partnered with such an extraordinary group of business leaders.

These Black [censor] think this is the way they are going to get rich by fleecing the Whites!

My father has alzheimer's disease but is able to live on his own (so far). I take care of his bills, medication, groceries, home repairs, etc. He received a call from ERC and they placed him on hold and called me. My father's number showed up on my caller ID and I answered. The man was very rude and became irate when I told him that I would not do a check by phone for ten dollars. I asked if I could mail a check and suprise, "They do not accept checks." I asked why he said he did not know. After I thought about it probaby because they were afraid it would bounce. Anyway after I argued with him and he berated me over the ten dollars my father owed Dish Network I agreed to send him a money order. The man still wanted to do a check by phone so that my dad's Dish could be turned on immediately. I told him I would contact the satellite company if that is what my dad wanted. He replied, "WELL, SINCE YOU ARE MAKING ALL THE DECISIONS FOR YOUR FATHER I WILL LET YOU GO." and hung up on me. I cannot believe this man would insult me like this. I never do checks by phone unless I know the company. I cannot believe he had the nerve to make me feel bad for handling my father's affairs because he has alzeheimer's. Just for a measely $10.

I agree totally about rudeness and not willing to make arrangements that people can afford. My parents have been making payments on a debt that ERC obtained. They agreed on a certain amount to be paid per month "a hardship payment", which is all they have left each month, and they now want to more than double this. It was explained that there was "example" $130.00 left each month and will send that amount until it is paid off. The rep handling the account said it was not enough per month anymore and threatened legal action. She kept insisting and making my mom feel as though she had no choice but to agree to an increase ."there was no way it could be paid due to not enough money in the month" When she told me I told her she needed to call them and tell them there was no way she could pay over the amount she had left each month. Again the rep began to insist and make threats about legal action. It was asked to speak to her supervisor and after a long while he agreed to "example" $130.00 left each month . BUT not 10 minutes later the rep handling the account calls to say the agreement she felt forced into was broken and the account was not in good standing. I am very upset with this entire situation. My father has dementia and my mother has a bad heart. Shes had one heart attack and every time she gets off the phone with ERC she is stressed, crying and I am scared shes going to have a heart attack over this company not wanting to accept the amount that can be paid.
When people are actually saying yes this is my debt and I want to pay it, why not let them pay? Why not accept the amount until it is paid off as long as no payments are missed?

I've been a Collections Representative for a few years now, as long as DEBTORS, DELINQUENTS, and any NON PAYING CONSUMER continue to evade your responsibilities and go back on your word that you agreed to when you just had to have that T.V, Purse, or EXTRA $$, ill always have a Paycheck.

Just a few things to address,

1. When consumers obtain Credit Cards from Banks/Companies, and fall behind on a payment, your account is immediately sent to internal collections...as in minute 1 of day1. So stating they just sent to a collections company after they wouldnt work with you is bogus because those nice people that call you with a Courtesy Reminder are...COLLECTORS...shocker!

2. Before giving all you personal information on an application for Lines of Credit, try just maybe one time, really thoroughly, reading through the contract. Take off the blinders and check the fine print. Maybe then when you fall behind and find yourselves in hardship situations you'll be better prepared for the "UNEXPECTED". And, please understand that these things dont just "Go Away" or "Placed on Hold", YOU CHARGE, THEN YOU OWE...It's Simple. :)

3. If your receiving calls from one or multiple companies for someone you DONT KNOW, you can always request your phone company change your number at no cost because your receiving multiple phone calls for someone else. Or, answering and stating i dont know this person and MAGIC WORD!ding!...PLEASE remove my number. Now, do you have to say Please? No. Does it sound better than, "Stop calling me [censor]"? Yes! Just try it, sometimes it just works, crazy thought huh?

4. No Collections Representative wakes up thinking, "Cant wait to go and call 100 people who have no accounts with us and ask for the same person"...they might as well say, "Cant wait to go to work and make no money and just maybe lose my paycheck". Oh Joy!

5. Calling the collections company to "harrass" them because you feel harrassed, does..umm..nothing. Why? you ask...because A. We can hang up...CLICK!, B. Shows you have No Life, No Job, and apparently need a friend to talk to. and C. DOESNT MAKE YOUR DEBT GO AWAY!

AND...

6. Im a huge believer in a little thing called Karma, I understand you dont really care and for the sarcastic ones who are taking the time to read this, you can stop. But with the attitude exhibited with these replies for collectors to lose money and jobs, it just shows that your a very bitter person, whose had a bad experience with some, and you obviously have an issue with people succeding if your not, HOW DARE THEY HAVE JOBS AND YOU WERE LAID OFF! (Sarcasm for the ones still reading). Instead of wishing bad on people who ALSO have families to feed and rents to pay, look back at your previous situation when you assumed you had money to take on this extra expense, maybe it was this same attitude that got you in this situation in the first place...Go On, Ill wait while you reflect...

Thanks for Reading..

Sincerely,

A LEGAL, MORAL, and ETHICAL, CONSUMER/DEBTOR ADVOCATE.

@ERC - What do you do when they've already been informed that you're on welfare and can't pay? They continue to call me everyday just to hear that I'm on welfare and can't pay them.

@Nancy G. - I see they also trained you to be a rude you-know-what.

@IntheknowinNC - the law doesn't say you have to give a reason. I've taken this directly from the FDCPA. It simply says that if you write them a letter and tell them you don't want to be contacted anymore about the debt, they have to stop. They can let you know what they're final remedy is and that they're ceasing communication, but anything other than that is a violation of the law. @Nancy G. again - How's that for research, sweetie? :)

Section 805 (c)
CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except—
(1) to advise the consumer that the debt collector’s further efforts are being terminated;
(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or
(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Dear Debt Collectors,
I have no issue paying a legit debt. I do have an issue being screwed over by a bank and subsequently placed into collections. I was with US bank, made a CASH deposit to my checking account at the ATM every Friday at 8PM. The ATM would generate a receipt that $100 was available immediately and the remainder would be available Monday after 2PM. Imagine my surprise 11 months after being with the bank to all the sudden find bounced checks instaed of a positive balance. Long story short, US Bank bounced cash. Their reasoning was that my money had not cleared, therefore the $100 I was used to having Friday evening bounced. I had written 3 checks that totaled $96. # bounces with fees of $35 ea, plus the 96 all the sudden put my acct $201.

I continued to write checks not knowing I was negative. By the time I made my next deposit, I found my receipt said my account was negative $740. Everything bounced from the initial $100. I had to wait until Monday to talk with anyone. By this time, after fees, my account was now overdrawn $850. To shorten the story, after several phone calls, getting nowhere, I tried to close my account. Oooops, sorry, can't do that with a negative balance and to help you out even more, we are charging your account a daily fee of $3.00 for being negative. It will close itself after being negative for 60 days I am told. Plus we will charge you a monthly maintenance fee.

So, here we are 3 years later, my name is on chex systems list for bounced checks so I can't open another bank account (which I did the following week of this fiasco before my name was listed). I have these ###s calling me twice a week trying to collect a debt I refuse to pay and wish we would go to court so I could expose this for what it is, a sham. The idiot that keeps calling me keeps saying, "why did you set out to defraud US Bank?" I just call him stupid and laugh at him. He gets pissed and hangs up but call back like clock work 3 days later, offering me a deal and eventually asks the same stupid questions, where again I laugh at him and call him an idiot. What gets me is it's pretty obvious these clowns have no clue. If you want to read the paperwork you might actually see what happened. Secondly, I always laugh and ask these guys, why so intense? You act like I owe YOU money personally. All you are is a voice, I owe YOU nothing. The more intimidating they try and get, the more insulting I get and the more I laugh. I love to piss them off. Save the scare tactics for some little old widow, or some weak kneed wimp that buys all your bluster. You can't do crap but take me to court, which rarely happens. In which this case, I wish you would so I can smear your face in it.

Collection for AT&T. My bills were paid to them I even have a refund card they sent me where I overpaid by a couple of dollars. They took trade in cell phones and did not all ow me credit for them. I paid full price for the phones and cancelled the service. When billed for phone and tv service both were paid !

ERC has put

Continued harrassment over a debt not mine. Placing said derogatory on Trans Union Credit Report. Please provide as much information as possible about the debt you claim is mine.

ERC has repeated been told this is not my debt. I am now asking for written proof of the debt you are trying to collect
Account N0. 20595*** Creditor II AT T U VERSE,

Called Comcast to verify outstanding charges. They claimed there are no outstanding charges under my account.

to the guy before..most collection agencies are not debt purchacesers but are simply hired by the client to collect on the debt..just a little info

i have a 12 year old child. i got him a phone you he could reach me while at his other parents house as they have no phone. i have gotten him a new number twice now because of all the calls from this company want to reach about a dozen different people to pay a debt! i did find the company' s phone number and told them each time that person never had this number and they were calling a child. it keeps happening. how can this many people in debt have had my child's phone number when they accured the debt? i had his numbers on the don't cll list from day one. also- i have NO unpaid bills! and have never had over 30 days late in my life! 30 was my biggest oversight EVER.

We were getting calls from a California based company attempting to collect a debt from a non-existent person. I say non-existent because the "debtor" sought has my husband's first name and my previous last name. There is no debt in that name. Neither of us have any outstanding debt that is not paid on time and have not had anything go to collections. That company finally stopped calling, only to be replaced by ERC. Maybe some of their attempts at collections are legitimate but I believe that they are hoping that whoever they call will believe they forgot to pay something and will just send them the money to get off their back. I can ignore the calls and delete the messages forever. I am not paying anyone money that is not owed.

People who don't pay bills should be put in bonded servitude until they pay off their debt. Bet that would fix some stuff.

This is to the "BILL COLLECTOR" that previously posted about not wanting to transfer bad habits to their children. First off, bad money management is not hereditary, and second, niether is smoking. I do understand that you are just doing a job like everyone else has to do. But i fail to see why you think that I owe you a dime? I signed a contract with company X, i had a hardship, yes like most of these people who let their bills slip. I know, I know it is hard for you to believe because society is just a matter of the NOW and not what happened in the past, you have blindfolds on, and think that because you have a job, that everyone you are calling has a job or is in the position to pay. So anyway, i failed to meet company X's contract and defualted. Company X then tries to send a few letters to collect to no avail. Then they put that debt in a portfolio of debts, and sell it to the highest bidder. The average debt is bought for 5.4 cents on the dollar. In my opinion, company X has charged off this debt, and has considered it uncollectable. They get a tax right off, and collect some money back from Company Y. ( debt collectors). Now, this is my issue. You think that you are now entitled to the full amount that i owed to company X, which you only paid 5.4 cents on the dollar for. So let's say i owe the original creditor 400.00, you paid 74 dollars for that debt on the assumption of the average. That would mean you got a profit of 326.00. I will pay you what you paid for it, plus applicable interest since the date you started to collect. That means from the time the first call you placed to me, regardless if i answered the phone or not. Which i think is being more then fair. In my state, you can only collect 6% interest.
It is debt collectors like you, who think you are better then the rest. It is collectors like you, who don't see the full scheme. It is debt collectors like you, that have no ability to see what is really going on, because you only want to see your paycheck. You probably think it is ok for big comapnies to profit from the war in Iraq, Now that i think about it, You're probably a republican! The debt collection industry is set up to collect as much debt as possible. The industry has gone to great lengths to teach the collector how to collect a debt. One of those techniques is to disassociate yourself from there problems. There teachings help shape and mold people who don't care, and only think about getting the money by whatever means necessary. The problem with society is people like you. Everyone is only looking out for themselves, and screw the others.Now i am looking out for myself and screw you. Sorry if you can't understand that, sorry if you don't except that. But that's as true as the debt i owe. If i can pay what i owe i would. But the problem with collectors is, they think everyone just decided to get a loan, Credit Card, or any other type of debt that was sent to the comaany and not pay it. You automatically assume that they did it on purpose to get something for nothing. You probably think that EVERY person who owes child support did it on purpose.

Your post clearly shows a one sided point of veiw on which no basic facts are presented. It's all assumptions. And, glad to see that you smoke around your children, and teach them that smoking is ok. I am also proud that you teach them to manage there money well, because they are going to need it for all of the hospital bills and chemo therapy from smoking like you do.!

I too have been the recipient of ERC calls. They have been told..including the supervisor that "Corrine" doesnt live here..never has lived here and we've never known anyone in our entire lives with that name. We paid cash for our house and our cars..we owe nothing to anyone and have a credit score at the top of perfect. Every morning at 8:05 they call anyway. So I decided that we'd have a little fun... this is currently on going. We told them "Corrine" doesnt want to talk to them. We've refused to take a message. Last call we told them "Corrine" got a really good deal so she and a couple girlfriends went to the Bahamas for a week. When they call back in a couple of days, they will be told she couldnt get a flight into Miami and went to Orlando instead and decided to spend a couple extra days there and see DisneyWorld but has to be home by (date to be determined) to pick up her new car. Not my fault they are stupid after we've given them our name...address and obviously they have our phone number. Have yet to speak to anyone from ERC that isnt as dumb as a box of rocks!