How To Remove ERC Collections From Credit Report

ERC Collections or Enhanced Recovery Company, also called Enhanced Resource Centers, carries out operations with a power of attorney for financial institutions to collect debts from defaulters. 

Several complaints are registered with law firms framing Enhanced Recovery Corps or Enhanced Recovery Collections agencies for debt harassment.

Who are ERC (Enhanced Recovery Company) Collections?

Located in Jacksonville, Florida, Enhanced Recovery Company, LLC (ERC) collects debts from defaulters. They are internationally and locally situated across the US, located in Orange Park, Florida, and Waycross, Georgia.

The company acquires debt from renowned telecom corporations such as AT&T, Verizon, and Sprint.

ERC is most likely to show on your credit report as any entry listed below:

  • Enhance recovery services
  • Enhanced recovery
  • Enhanced recovery co
  • Enhanced recovery co l
  • Enhanced recovery corp
  • Enhanced recovery group
  • ERC collection agency
  • ERC collections
  • ERC company

How To Remove Enhanced Recovery Company (ERC) From Credit Report

Factors such as ERC collections and derogatory marks on your credit report can needlessly pull down your credit score and continue to exist for seven years even if the payment has been made. 

Lamentably, payment of the collection can also possibly lower the credit score. Nevertheless, mistakes are inevitable and are bound to occur more commonly than you anticipate; therefore, it is manageable to eliminate an unpaid debt account from your credit record before seven years. Many debt collection agencies do not inform you of this.

Well Reputed Credit Repair Service Organizations

Highly esteemed credit repair service companies like Lexington Law can be hired for the lengthy process of disputing errors. It is a feasible professional creditor negotiator helping people amend their credit.

In addition to removing collections from your history, the credit repair agency will also challenge incorrect details in your reports such as hard inquiries, delayed payment, charge-offs, dispossessions and repossessions, bankruptcies, judgments and claims, and tax exemptions.

Dial Lexington Law to know more: (800) 220-0084

Enhanced Recovery Company, LLC (ERC) Contact Details


Enhanced Recovery Company

8014 Bayberry Rd

Jacksonville, FL 32256-7412


Phone number: (904) 807-5200 or (800) 383-5979

Do I need to contact or pay Enhanced Recovery Company?

Getting in touch with ERC or any collection agency could make your credit score worse instead of improving it as paying the collection account will reboot the clock.

However, it is sometimes suggested to pay the collection account, particularly if it’s recent and valid. Working with a professional credit repair service agency to deal with ERC is advised. Hundreds of negative items from Enhance Recovery Company have been removed by them for multiple clients across the nation.

ERC and Wage Garnishment

Money can be legally withheld from your paycheck and sent to a third party (money lending institution) to whom you owe the debt. Even so, you have nothing to worry about if you work with a well-reputed law firm like Lexington Law. 

An industry leader in credit repair services, Lexington Law, will assist you in disputing errors in the collection account with major credit bureaus. You will likely not have to deal with or hear from Enhanced Recovery Company repeatedly.

Get in touch with Lexington Law to know more about avoiding lawsuits and removing negative entries from your credit history, which will notably boost your credit score.

Income Garnishment

Wage garnishment is permitted in some states, while in others, it is not. In a few states where it is not permitted, it is against the law for a debt collector to intimidate you into garnishing your wage.

Similarly, it is unlawful if any claims, such as threatening to sue you or foreclosing a property, are made by Enhanced Recovery Company if they are unable to follow through.

Enhanced Recovery Company (ERC) Objections

Debt collection companies usually have innumerable charges and accusations filed against them registered with Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB).

Most of the complaints are with reference to incorrect reporting, persecution, frequent debt collection reminders via call, or failing to verify a debt. A complaint should be filed from your end if you find yourself in any situations with ERC stated above.  

In spite of several complaints registered against Enhanced Recovery Company, it is given a ‘B’ rating with Better Business Bureau.

Consumers have financial support rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Law firms like Lexington and debt collection agencies like Enhanced Recovery Company are aware of these consumer rights.

Debt Collections & Their Influence on Your Credit

Skipping payments over a period of months will result in a poor credit score. With the addition of a collection account on your credit report, your financial potential to be allowed new credit will be further reduced. 

Multiple collections for the same account may show on your credit report due to debt collection agents purchasing and selling delinquent debts from each other.

It is necessary to dispute the errors in your account with credit bureaus in order to get them removed or bear the consequences of your credit score being harmed and affected.

Know your Rights When Dealing with Enhanced Recovery Company

Strict ordinances exist in the United States regarding the dos and don’ts of a debt collector.

The Fair Debt Collection Practices Act prohibits using abusive or deceiving strategies to collect debts. Additionally, the act grants you the right to guarantee that debt collection agencies do not take advantage of your situation. To highlight a few:

  • For Enhanced Recovery Company to list incorrect or wrong information on your credit report is to go against federal law.
  • As per the Fair Debt Collection Practices Act, it is your right to validate alleged debts by sending a debt validation letter to Enhanced Recovery Company. Under the law, the collection agency has 30 days to make the necessary calculations and manifest that the debt is yours, giving the total accurate amount.
  • Enhanced Recovery Company does not possess the right to pressurize, threaten, harass you, or publish a public list of debtors.
  • Enhanced Recovery Company should practice transparent transactions, being clear about what they do. 
  • Enhanced Recovery Company is not permitted to intimidate you into filing a lawsuit if they do not intend on doing so.

Additional Tips on Dealing with Enhanced Recovery Company

  • Speaking to a debt collector over the phone should be avoided. It is recommended to have everything written before dealing with any collection agency, preferably via an official letter with original debt information.

A cease & desist letter should be sent to the agency in case of persistent harassing calls.

  • Record phone calls with debt collectors if you have to deal with a collection agency over the phone. The District of Columbia and thirty-five other states permit you to record phone calls secretly.
  • Don’t be gullible and trust every information being given to you. Debt collection agencies are well known for lies and erroneous threats to get you to pay off the debt.
  • Please don’t give them access to your bank account details or your credit card information. However, money should not be hidden from legit debt collectors, especially when you owe them, as it would be considered illegal.
  • New lines of credit should not be applied for if you cannot pay your current balance as it is fraudulent and deceitful.
  • Don’t completely avoid ERC, as it can set you up for possible legal action being taken against you.
  • Be familiar with your state’s enactment of limitations. In some states, a debt is considered a “zombie debt” when it reaches a certain age, customarily 4-6 years. 

Once it has reached this stage, you are not legally obliged to pay it off. However, there is no limitation on whether a collection agency can contact you regarding these debts.

Get rid of Enhanced Recovery Company from Your Credit Report Now!

Lexington Law can be contacted to dispute Enhanced Recovery Company collection accounts from your report. With over 18 years of experience, the credit repair service has disputed over seven million negative items in 2020.

It is recommended to get in touch with Lexington Law for a free consultation if you want to know how to remove ERC collections from a credit report.

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