If you’ve been dealing with unwanted phone calls from Enhanced Recovery Company, you’re probably eager to put an end to your relationship with the debt collection agency.

When ERC contacts you over an outstanding debt, it can lead to more than annoying calls, with the potential to tank your credit score and stay on your record.

The information below can help you repair your credit and effectively end your contact with ERC Collections.

What Is ERC?

enhanced recovery company logoBased on their tactics, you might think Enhanced Recovery Company, LLC is a scam; however, it is a legitimate debt collection agency.

Headquartered in Jacksonville, Florida, the company’s nationwide debt collection efforts earned them a profit of more than $100 million last year.

ERC is one of the largest and most successful third-party debt collectors in the country.

How Does ERC Work?

When a company gives up on their attempts to collect unpaid bills, they often sell ownership of the debts, along with your information, to a collection agency, like ERC.

ERC is able to profit off these debts by purchasing them for pennies to the dollar and attempting to collect the full amount due from the debtor.

You can expect ERC to contact you by way of persistent phone calls, emails, texts, and letters.

If ERC makes it onto your credit report, it could potentially damage your score for up to 7 years. We’ll give you pointers on getting the account removed from your credit report below.

Who Does ERC Collect For?

Before we get into how to deal with ERC, it’s important to know who you’re working with.

For starters, ERC may show up on your phone, in your mailbox, and on your credit report under several names, including:

  • Enhanced Recovery
  • Enhanced Recovery Co
  • Enhanced Recovery Company
  • Enhanced Recovery Corp
  • Enhanced Recovery Group
  • ERC Collections
  • ERC Collection Agency
  • ERC Company

Whatever name it’s operating under, the agency collects for major mobile providers like Sprint and AT&T.

How to Remove ERC from Your Credit Report

  1. Ask ERC to Validate Your Debt
  2. Consider Making a Payment to ERC Collections
  3. Get Professional Help

Getting the dreaded phone call from a debt collection agency or finding a big drop on your credit report can be disheartening.

While it’s important to act quickly to resolve the situation, there’s no need to panic. With the tips below, you can settle your debts, protect your credit report, and part ways with ERC.

Ask ERC for Validation of Your Debt

The Fair Debt Collection Practices Act has another benefit, allowing you to demand evidence that a debt collection agency’s claim is a well-supported one.

Even if you do owe the amount they are requesting, ERC may not have the documentation it needs to validate that the debt and amount are accurate, since it isn’t the original creditor.

You can use this sample debt validation letter to request proof, as long as you do it within 30 days of first hearing from ERC.

Sending in a validation letter could result in the company dropping its charge and removing the account from your credit report altogether.

If ERC has been in contact with you for more than 30 days, you might fare better with a different approach.

Consider Making a Partial Payment to ERC

If the company is able to verify your debt or you’ve been in contact with ERC for more than a month, it might be time to consider paying your debt, at least partially.

ERC may request $100 from you for an unpaid phone bill, but that doesn’t mean they won’t accept less.

Because collection agencies are able to buy debts at such a great rate, they’ll profit even if you negotiate a lower price in exchange for removing the account from your credit report.

A good starting point for negotiations is half the total amount you owe ERC. As always, the best practice is to negotiate with the agency by letter so your agreement is documented.

After you agree on an amount and send in a payment, you should monitor your credit report to ensure that it is updated accordingly.

If you don’t see a change within 30 days of making your payment, you should check with ERC to make sure they uphold their end of the deal.

Get Professional Help Dealing with ERC Collections

Getting ERC removed from your credit report can be a time-consuming and frustrating ordeal.

Whether you feel as though you’re in over your head with your credit recovery or you’re simply over the hassle of dealing with ERC, seeking professional help might be a good idea.

Credit Saint is one of the best credit repair companies you’ll find, with experts who can take on the burden of calling and writing to ERC so you don’t have to.

Since Credit Saint’s team is dedicated to solving your credit problems, you can expect them to work quickly and efficiently, leaving little time for the account to do damage to your score.

There’s no reason a forgotten phone bill from years ago should have any effect on your everyday life and future financial goals.

Whether you choose to write the agency yourself or work with a company like Credit Saint to improve your score, getting ERC removed from your credit report is simple.

Ask Credit Saint for Help

How to Deal With Enhanced Recovery Company

ERC is within its rights to seek payment for debts it has purchased legally, but you also have rights under the Fair Debt Collection Practices Act.

Under that act, you may choose to only interact with the agency via mail.

This mode of communication is recommended as it documents your case and holds the agency accountable to any agreements you make about repaying your debts and removing the account from your credit report.

Communicating by mail also helps to alleviate the stress of constant calls from the agency.

Along those lines, Enhanced Recovery has received more than 1,000 complaints filed with the Better Business Bureau, and another 7,000 with the Consumer Financial Protection Bureau.

A lot of these complaints are concerned with ERC’s failure to respond to requests for proof of debt and incorrect debt reporting.

These complaints highlight the need to document your conversations with ERC’s representatives even more.