Don't let debt collectors rob you of your last meal.
Summary: Is ERSolutions suing you for an old debt? Stressed out about how you're going to pay it back? Don't worry any longer. Learn how to respond to ERSolutions and win your debt collection lawsuit.
If you are being bothered by a debt collector such as ERSolutions, you probably are going through a stressful time. Why is this the case? Because ERSolutions and other debt collection agencies may use inappropriate techniques to get you to pay what you supposedly owe to a creditor. That's why ERSolutions may call you all day long to try to get you to pay. They may harass you at work and attempt to connect with you on Instagram and Facebook to get money out of you.
The Infamous Reputation of ERSolutions
ERSolutions is well-known in the industry for using aggressive ways and methods to collect debts from consumers. This debt collection agency is located in the US and it has had several complaints lodged against it, alleging that it has violated the Fair Debt Collection Practices Act. These companies will often do anything to get money out of people because they don't get paid unless they collect money. They will say all sorts of things that could be illegal. You have to just be aware of the rules.
For instance, some consumers say that debt collectors with this company use unfair communication tactics that are against federal law and may try to collect on nonexistent debts! If ERSolutions contacts you, remember that you have legal rights, so respond with care.
If you get unpleasant phone calls and letters from ERSolutions, or have had a lawsuit filed against you, never give up hope. Rather, we recommend that you take action and discover the resources that SoloSuit offers. We have a simple mission: We want to help consumers who have been harassed by debt collectors and debt-collection lawsuits.
To help you, we have placed a lot of time and resources into your work to gather critical information that will help you deal with debt collector lawsuits. When you have this powerful information available, you'll know what you can do and how to protect your rights from shady companies such as ERSolutions.
The debt collection companies want you to think there is no hope of fighting them. But people in this country have rights even when they owe a lot of debts. With proper foresight and planning, you may be able to beat ERSolutions and not pay a dime.
Don't let debt collectors push you around. Respond with SoloSuit.
What To Know About Your Rights When Contacted by ERSolutions
ERSolutions is known to attempt to take advantage of people who do not understand their legal rights under the Fair Debt Collection Practices Act. This law has several regulations that say what debt collectors may and may not do to collect a debt. Some of the rules include:
- Debt collectors cannot ever contact you at work.
- Debt collectors cannot use rude and vulgar language when they talk to you on the phone or in letters.
- Debt collectors are not allowed to threaten you with lawsuits.
- Debt collectors cannot call you in your house before 8 am or after 9 pm.
How You Can Protect Yourself If ERSolutions Sues You For Debts
If you are sued by ERSolutions, it is smart to respond to the lawsuit as soon as you can. It's not a good idea to ignore the lawsuit and hope it goes away. The lawsuit will still be there and the debt collection company will win by default if you ignore it. There are things you can do to fight the lawsuit and maybe get it dismissed.
Below are some smart things to do when you write your Answer:
- Never admit that you owe the debt. The debt collection company must prove that you owe the debt. Don't make their job easy for them!
- File an Answer with the Clerk of Court within 20 or 30 days of receiving the complaint, or whatever the timeline is.
- Mail your Answer copy to ERSolutions and make sure it was stamped by the Clerk of Court.
Protect yourself from aggressive debt collectors. File a response with SoloSuit.
Try These Effective Affirmative Defenses In Your Answer
To beat ERSolutions at their own game, you need to respond to the lawsuit. You can point out any problems and weaknesses in their allegations. Remember that the debt collector has to prove that you owe them the money they allege in the complaint. This means ERSolutions has to show these things before they can say you owe the debt:
- The debt collection agency has the right to sue you.
- You are the one who owes the debt.
- You owe the money that is stated by ERSolutions in the complaint.
If the debt collection agency does not meet these requirements, you may be able to get the lawsuit thrown out.
Depending on your case circumstances, you could argue that the company did not file the suit before the statute of limitations expired. This is the amount of time someone has to file a lawsuit against someone else.
If the statute of limitations has lapsed, you may file a motion to have the case dismissed with prejudice.
Also, there are other ways that you can beat ERSolutions in court. Try filing a countersuit. If you can prove the company violated the FDCPA, you may be eligible for compensation and have your legal bills covered.
Respond to debt collection lawsuits in 15 minutes with SoloSuit and win your case.
What to Do If You Are Sued by ERSolutions
We've covered a lot here, but here's a fast rundown of what to do if you get sued by ERSolutions:
- Take careful notes when you receive phone calls before 8 am or after 9 pm. Debt collectors are prohibited from calling you before or after regular business hours. They also cannot call you at work or use foul language.
- Be sure to file an Answer within the proper time frame.
- In the Answer, you should raise at least one affirmative defense, such as the company violated the FDCPA. Also, demand that ERSolutions prove that you owe the amount they say. They also need to prove you are the person who owes the debt.
These are effective methods you can use to beat ERSolutions and leave them empty-handed. Also, try to file a counterclaim if you think they violated the FDCPA.
What is SoloSuit?
SoloSuit makes it easy to respond to a debt collection lawsuit.
How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.
Respond with SoloSuit
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate
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