Enterprise Recovery Systems Phone Harassment❓
Is Enterprise Recovery Systems (ERS) calling you? Stop Enterprise Recovery Systems phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop ERS phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Introduction to Debt Collection
Debt collection is the process of recovering debts from individuals or businesses that have failed to pay their obligations. Companies like Enterprise Recovery Systems specialize in this field, often purchasing old debt accounts from credit card companies and banks at a discounted price. This allows them to attempt to collect the full amount owed, making a profit in the process.
Understanding the debt collection process is crucial for consumers. It helps them navigate interactions with debt collectors and ensures they are aware of their rights. The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates debt collection practices, protecting consumers from abusive, deceptive, and unfair methods. Under the FDCPA, debt collectors are prohibited from using harassment, false statements, and other unethical tactics to collect a debt. By being informed about these protections, consumers can better handle their interactions with companies like Enterprise Recovery Systems and safeguard their rights.
Who is Enterprise Recovery Systems?
Enterprise Recovery Systems is a third-party debt collector located in Sioux Falls, South Dakota. They focus on collecting early to avoid costly litigation and maintain positive client relationships. Their services include commercial debt collection, collecting delinquent accounts receivable (A/R) and bad debt, and providing customer service. Enterprise Recovery also offers a simple sign-up process and only charges a contingency fee upon successful resolution.
🏛️ Enterprise Recovery Systems Address: PO Box 90922 Sioux Falls, SD 57109-0922
📞 Phone: (605) 361-2191
Is Enterprise Recovery Systems a Scam?
No, they are a legal debt collection agency. According to the Better Business Bureau website, Enterprise Recovery Systems has been in business for 21 years. Read more about them here: Enterprise Recovery Systems Better Business Bureau
Enterprise Recovery Systems Collection Tactics
If Enterprise Recovery Systems engages in any of the following tactics, you may have a case:
- 💢 Using profanity or abusive language
- ⏰ Calling you before 8:00 a.m. or after 9:00 p.m.
- 📞 Calling you multiple times per week
- 🗣️ Talking to others about your debt
- 🏢 Calling your workplace
- ⚖️ Threatening to sue you, harm you, or destroy your credit
- 🚔 Telling you or anyone else that you’ve committed a crime
- ❌ Calling repeatedly for the wrong person
- 📜 Failing to notify you of your right to dispute the debt
- 💰 Trying to collect more than legally allowed
Many customer complaints against Enterprise Recovery Systems indicate a pattern of unfair debt collection tactics, such as harassing consumers about debts that may not belong to them.
Enterprise Recovery Systems Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📲 (605) 361-2191
- 📲 (630) 574-3113
- 📲 (800) 377-1904
- 📲 (877) 377-5709
- 📲 (888) 377-5000
If the answer is yes, then you are receiving calls from a known ERS number. You may be a victim of ERS phone harassment. The list above is not all the numbers that ERS uses. The calls can be from different numbers and it still be Enterprise Recovery Systems calling you. Contact our office right away so we can start the process to stop ERS from calling you illegally. Above all, no one should live with harassment!
Consumer Rights and Education
Consumers have significant protections under the FDCPA, which prohibits debt collectors from engaging in harassment, making false or misleading representations, and using unfair or unconscionable means to collect a debt. One of the key rights consumers have is the ability to assert their affirmative defenses, such as the statute of limitations, to dispute the debt.
Being educated about these rights is essential. For instance, if a debt is beyond the statute of limitations, a consumer can use this as a defense to avoid paying the debt. Additionally, consumers should be aware that companies like Enterprise Recovery Systems are required to provide accurate information about the debt and respect the consumer’s rights under the FDCPA.
By understanding their rights and the debt collection process, consumers can avoid being taken advantage of by debt collectors. They can challenge any unfair practices and ensure that their interactions with debt collectors are conducted within the bounds of the law. Knowledge is power, and in the realm of debt collection, it can make a significant difference in protecting one’s financial well-being.
Debt Collection Lawsuit
A debt collection lawsuit is a legal action taken by a debt collector, such as Enterprise Recovery Systems, to recover a debt from a consumer. If you are sued by a debt collector, it is crucial to respond to the lawsuit by filing an answer with the court. This answer document should focus on responding to each claim listed in the complaint, and it is an opportunity for you to assert your affirmative defenses to dispute the debt.
One effective strategy is to send a debt validation letter to the debt collector. This letter requests proof of the debt, including details about the original creditor and the amount owed. If the debt collector fails to provide valid proof, you may be able to have the lawsuit dismissed. This step is vital in ensuring that the debt being collected is legitimate and that the debt collector has the right to collect it.
Understanding the debt collection lawsuit process and your rights under the FDCPA is essential. By being informed and proactive, you can effectively respond to a debt collection lawsuit and potentially beat Enterprise Recovery Systems. Remember, the law is on your side, and there are steps you can take to protect yourself from unfair debt collection practices.
The following is a sample list of complaints filed against Enterprise Recovery Systems in the past year and can be found on Pacer.gov.
- 🔗 2:11-cv-00091-EJL-CWD Britt v.
- 🔗 1:05-cv-04949 Laramore v.
- 🔗 1:10-cv-10190-NMG McKuhen v.
- 🔗 2:09-cv-07833-DMG-E Carol Johnson v.
- 🔗 5:11-cv-00734-VAP-SP Johnnie Smith v.
About Us
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Enterprise Recovery Systems harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Connect with our team for support and answers to your questions. We pride ourselves on our accessibility and responsiveness, ensuring you receive the help you need promptly.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Enterprise Recovery Systems. call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 “I got a settlement because of the illegal harassment I experienced. Consumer Rights Law Firm PLLC didn’t just stop the calls — they helped me hold the collector accountable.”
- 🏆 “After months of robocalls and threats, I reached out to this firm. They filed a claim against the debt collector and actually won my case. I didn’t have to pay a dime upfront!”
- 🏆 “Professional, knowledgeable, and relentless. They fought for me when I felt helpless. Thanks to them, the harassing calls stopped, and I was able to breathe again.”
- 🏆 “They were honest from the start and explained my rights in plain English. The collector backed off the moment they got involved. I can’t thank them enough.”
Check out the links below for more information:
- 🔗 Federal Trade Commission Consumer Advice
- 🔗 New York Attorney General
- 🔗 South Dakota Attorney General
FAQs
Who is Enterprise Recovery Systems and why are they calling me?
Enterprise Recovery Systems (ERS) is a third-party debt collector that contacts consumers about unpaid debts it is trying to collect. If they’re calling, they believe you owe a debt they have been assigned or purchased.
Is Enterprise Recovery Systems a scam or legit debt collector?
They are a legitimate collection agency (established in 1988), though they have been acquired by Alltran/Alltran Education. However, you should always request a written validation before acknowledging any debt.
Can Enterprise Recovery Systems legally harass me with calls?
No. Under the FDCPA and TCPA, debt collectors may not use abusive language, threaten, make repeated calls (more than 7 in 7 days), or call before 8 a.m. or after 9 p.m.
They’re calling my family or workplace—are they allowed to do that?
No. Unless permitted by you or needed to locate you, contacting third parties about your debt is prohibited under the FDCPA.
How can I make ERS stop calling me?
Send a written cease-and-desist letter requesting no further contact. If they continue, document the calls and file complaints with the CFPB, FTC, or your state attorney general.
What should I do before paying or negotiating with ERS?
Request a debt validation letter to verify the creditor, amount, and your responsibility. Dispute any errors in writing within 30 days to protect your rights.
Can ERS affect my credit score or sue me?
Yes. They can report debts to credit bureaus, which may damage your credit. And they can sue you—if you default, they might get a judgment and garnish wages.
What legal protections do I have against harassment?
FDCPA prohibits harassment, false statements, and unfair practices. You may be entitled to up to $1,000 in statutory damages plus legal fees if ERS violates these rules.
What are the signs ERS might be using illegal robocalls or spoofing?
If they use automated calls without consent, repeatedly call from untraceable numbers, or leave misleading voicemail without identification, they could be violating TCPA and FDCPA rules.
Who can I contact for help if ERS violates my rights?
You can file complaints with the CFPB, FTC, your state attorney general, or consult a consumer-rights attorney who handles FDCPA/TCPA cases.
