Sarah Edwards | April 21, 2023
Edited by Hannah Locklear
Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.
Summary: Receiving phone calls from numbers you don’t recognize is irritating. You might be dealing with a spammer, or a debt collector may be on the other end of the line. If someone from 1-800-390-7584 contacts you, they’re calling from Enhanced Recovery Company. SoloSuit explains how to handle the matter.
Summary: Receiving phone calls from numbers you don’t recognize is irritating. You might be dealing with a spammer, or a debt collector may be on the other end of the line. If someone from 1-800-390-7584 contacts you, they’re calling from Enhanced Recovery Company. SoloSuit explains how to handle the matter.
It’s a busy day, and you’re diligently dealing with work responsibilities. Suddenly, your cell phone starts ringing, and 1-800-390-7584 appears on the caller ID. You have no idea who the caller is, so you ignore it. Unfortunately, that doesn’t work, and 1-800-390-7584 calls you seven more times over the next week.
If this situation sounds familiar, you’re dealing with a collection agency known as Enhanced Recovery Company. Also known as Enhanced Resource Centers or ERC, this company contracts aging debts with various creditors and attempts to collect them from the individuals who owe them.
Enhanced Recovery Company is a collection agency headquartered in Jacksonville, Florida. It also has branches in Orange Park, FL, and Waycross, GA. The mailing address for its corporate location is 8014 Bayberry Road, Jacksonville, FL 32256. It lists several phone numbers on its website, including 1-800-507-0052 and 1-800-383-5979.
If you’re receiving phone calls from ERC, it’s likely pursuing you for an old debt you may owe. You should receive written communication from the company that further identifies the debt and allows you to request validation. Under the Fair Debt Collection Practices Act (FDCPA), you have 30 days to request verification upon receiving an initial debt collection notice.
Do you need help asking ERC to validate a debt? Use SoloSuit’s Debt Validation Letter template.
If you’re tired of hearing from Enhanced Recovery Company, you don’t have to put up with those constant calls. The FDCPA requires debt collectors to cease communications with a consumer if the consumer puts their request in writing and sends it to the collection agency.
Upon receipt of your written request, ERC can contact you only if it plans to invoke a specific remedy available to it, like a debt collection lawsuit, or to advise that it is stopping its collection efforts.
Let’s consider an example.
Example: Tony owes his cell phone company $1,000 for an unpaid debt. Enhanced Recovery Company contracts the debt and starts calling Tony from 1-800-390-7584. Tony writes ERC a letter requesting that it stop the calls. Upon receipt of Tony’s letter, ERC blocks calls to Tony concerning his account.
Example: Tony owes his cell phone company $1,000 for an unpaid debt. Enhanced Recovery Company contracts the debt and starts calling Tony from 1-800-390-7584. Tony writes ERC a letter requesting that it stop the calls. Upon receipt of Tony’s letter, ERC blocks calls to Tony concerning his account.
If you legitimately owe a debt that Enhanced Recovery Company is chasing you for, requesting that it stop contacting you won’t make the debt disappear. ERC may wait a few months to see if you’ll act on the obligation, but if you don’t, it may sue you.
A debt lawsuit is something you don’t want to deal with. If you lose the claim, ERC will obtain a judgment it can use to garnish your wages or seize money from your bank account.
If you receive a debt lawsuit notice from ERC, taking action quickly is critical. Your first step is to file an Answer that outlines your defenses to the claim against you.
Watch the following video for six tips to drafting your debt lawsuit Answer:
An Answer is essential because it prevents ERC from asking the judge for a default judgment. Instead, you’ll get to defend yourself in front of the court. If the case isn’t valid, you can provide supporting evidence backing up your defense.
However, if you think ERC will likely win the case, it’s time to bite the bullet and either repay the debt or settle it. Repaying the debt means you’ll lose some money up front, but you won’t need to worry about the repercussions of a judgment.
If it’s not possible to come up with the money to repay your debt completely, you can try settling it instead. In a debt settlement, you’ll offer ERC a portion of the obligation in a lump-sum payment before your court date. In exchange, it will agree to drop the lawsuit and forgive the remaining balance you owe.
If you’re tired of hearing from 1-800-390-7584, you’ll need to send Enhanced Recovery Company a written letter asking it to stop calling you. ERC must comply with your request upon receipt of the letter. However, stopping the calls doesn’t mean that your debt will go away. If ERC decides to sue you, it will contact you again.
Stop an Enhanced Recovery Company debt lawsuit by settling your claim. SoloSettle can help you through the process.
SoloSuit makes it easy to fight debt collectors.
You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.
SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.
>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)
>>Read the MSN story about how SoloSuit can help you settle your debt
Here's a list of guides for other states.
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Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.
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