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Collection issues from Enterprise Recovery Systems, Inc?
Being in debt is not the end of the world, but having a debt collection agency such as Enterprise Recovery Systems, Inc calling you day and night can quickly turn your world upside down and make life nearly impossible for you. If debt collection agencies call you countless times, threaten you and harass you and pressure you into paying up, the good news is that this doesn’t have to be a problem you put up with for long.
How can I put a stop to the harassing and bothersome calls I receive from my third-party debt collector, you may ask. The exciting thing is that the government has put in place laws that protect consumers like you from unjust means of recovering a debt.
While these laws do not stop consumers from repaying their debt, it however stifles unfair debt collection practices. These laws are called the Fair debt collection practices act (FDCPA). It gives consumers a voice and the right to validate, and receive information on a debt that the debt collector claims they own in order to clarify its authenticity.
If the FDCPA is violated by a debt collection agency like Enterprise Recovery Systems, Inc in their dealings with you, you may be entitled to up to $1000 in damages minus your attorney fees and other costs. Call us now on 844-791-1990 to determine the viability of your case.
What does the FDCPA view as Debt?
The FDCPA labels “debt” and “consumers” to cover only personal, family, or household undertakings. This means that an individual who owes a business debt or a company that owes a debt or a person contacted by a debt collection agency over a debt that was used for business purposes are all not protected under the laws of the FDCPA.
Is Enterprise Recovery Systems, Inc harassing you over unpaid debt?
If you are plagued by frequent calls from Enterprise Recovery Systems, Inc over the debt you owe, here are a few steps you can follow to prevent such:
Stop the debt harassment before it even starts: This requires you to make the first move, contact the creditor and explain that you have to pay your basic needs such as food, housing, electricity bills, medical bills and so on and that you will pay other bills as soon as you can. Don’t make unrealistic promises, be as honest as possible, this can prevent your debt from being turned over to a debt collection agency, and buy you time to work out a repayment plan.
Write a cease letter: If the first method does not yield much result, you may consider writing the collector a cease letter. The Federal law requires collection agencies to stop contacting you after they receive a letter from you requesting them not to. You can include the duration you intend to clear off your debt, also note any erroneous billings and unfair means debt collectors have applied to recover the debt. Remember to keep a copy of such a letter
Get legal representation: While it is not initially necessary to have a lawyer write the cease letter, if your letter does not stop the collector, a letter from an attorney usually will, also collectors are required by law to stop contacting you once they know you are being represented by a lawyer.
Decide on a payment schedule: When you decide to pay, work out a schedule that is convenient for you, don’t mortgage your basic necessities such as food, housing, medical attention, etc. because you want to pay up a loan. Pay amounts you can afford after you have settled your necessities.
Take the collector to court: When everything else falls short, there is a provision under the FDCPA that allows you sue debt collectors for violation of the FDCPA laws. If you win, you can be awarded up to $1,000 in damages and you may have your debt waived. Consult a lawyer who is familiar with debt harassment cases today, call us on 844-791-1990.
What is Enterprise Recovery Systems, Inc not allowed to do under the FDCPA?
- Share your debt information publicly
- Speak to you in a rude or abusive way, curse, and insult or use profane words while addressing you.
- Try to or threaten to harm you, your family, property, reputation, or acquaintance.
- Debt collectors are not allowed to pester you with calls.
- Call you before the hours of 8 a.m. or after 9 p.m.
- Talk to other people about your debt who are not involved with it.
- Threaten to sue you when they do not plan to.
- Manipulate you into paying more than you actually owe.
- Be deceitful about who they are or pretend to be attorneys or the government in order to scare you.
- Try to treat you like a criminal or tell you that you have broken the law and will be arrested.
- Make efforts to get you to pay more than you actually owe.
- Serve you false court papers.
- Tell you or try to tamper with your benefits money (such as Social Security disability, pension, retirement, child support, alimony, or other protected funds).
- Call you at work after being informed that they are not allowed to.
- Share your debt information publicly in order to shame you into resolving the debt.
If you are currently facing this situation with your third-party debt collector, do not hesitate to call us NOW on 844-791-1990.
What is Enterprise Recovery Systems, Inc not allowed to do under the TCPA?
The TCPA laws do not permit telephone representatives to make solicitation calls to your home before 8 am or after 9 pm. They are also not allowed to place advertisement robocalls to you and are required to oblige your request not to be contacted again.
The TCPA frowns on the use of automatic dialing systems, artificial or prerecorded voice messages, spam SMS text messages, and unauthorized fax machine adverts. It also prohibits the use of auto dialers and artificial or prerecorded voice messages programmed to contact your pagers or cellular phones. Calls for which a charge is made to you are also unlawful
The act finally gives consumers a means to get justice for telephone harassment, as a violation of the TCPA laws can cost an erring debt collection agency or telemarketing organization up to $500 per violation.
About Enterprise Recovery Systems, Inc
Enterprise Recovery Systems, Inc. is a third-party collections agency based in Sioux Falls, SD. The company provides financial solutions by offering collection and adjustment services on claims and other insurance-related issues to consumers in the United States.
Contact Information
PO Box 90922
Sioux Falls, SD 57109-0922
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About this site (Telephone Harassment)
We inform consumers about their rights regarding harassment from debt collectors, collection law firms, and Original lenders. Read more about us here, or call us today on 844-791-1990.
Enterprise Recovery Systems, Inc BBB Information
BBB file opened: 4/8/2008
Consumer Rights Law Firm BBB Information
BBB Rating: A+
https://www.bbb.org/us/ma/north-andover/profile/lawyers/consumer-rights-law-firm-0021-124253
