ERS Resolution Group Debt Collection Harassment?
Like it or not, the fact still remains that debt collectors like ERS Resolution Group are legally entitled to collect the money that you owe to them or to your first-party debt collector on whose behalf they are collecting the debt. The bad news is that there is no law or consumer rights attorney who will save you from that, however, there is good news, and the good news is that if ERS Resolution Group violates your rights during the process of debt collection with you, then there are laws that naturally protect you.
The Fair Debt Collection Practices Act (FDCPA) is a federal law created by the Consumer Financial Protection Bureau (CFPB). This law is what provides limitations on what debt collectors can do and can’t do when collecting certain types of debt, and this law extends to cover the actions of ERS Resolution Group.
Another law that regulates the actions of debt collectors is the federal Fair Credit Reporting Act o the FCRA. The FCRA covers how debt collection is reported in credit reports and the impact this will potentially have on your credit score. In addition, there are certain states that have enacted consumer protection laws that provide extra protection in addition to the FDCPA laws.
If you are facing harassment from ERS Resolution Group, it is important to get in touch with a debt representation attorney as soon as possible.
What does the law regard as harassment?
Beware, ERS Resolution Group may try to recover debts from you in a way that is harassing, abusive, or disrespectful. Common consumer complaints about ERS debt collectors include making legal threats that they are not authorized to carry out, calling at unreasonable hours, or threatening you with corporal punishment, wage garnishment (without a prior court order), or jail time.
Such abusive acts are prohibited by the federal Fair Debt Collection Practices Act. Express Recovery knows that they are not allowed to use harassing practices to retrieve a debt and retaining the services of a debt collection harassment attorney like Consumer Rights Law firm can help you understand how the law is on your side, and how you can get compensation for harassment by Express Recovery collection agency. We will now briefly look through the things that the FDCPA considers to be debt collection harassment.
The following are restrictions placed on ERS Recovery by the FDCPA:
- ERS collections cannot give third parties information about your debt.
- They can’t send you mail marked with sensitive information on the outside of the envelope.
- An ERS Group debt collector cannot call you outside the hours of 8 am to 9 pm (except when you have granted them your consent to do so).
- ERS collection agency may not issue threats of violence, corporal punishment, or jail time.
- They cannot insult or use harassing language with you.
- The calls you receive from an ERS collection agency phone number should be to inform and not to harass.
- ERS Recovery Systems should not impersonate an officer of the court or a law enforcement official
- They cannot misrepresent the amount you owe on the debt.
- If Recovery Express tricks you into believing that by not paying your debts, you are guilty of a crime and can be arrested, they are not acting in accordance with FDCPA laws.
- Express Recovery Collections must not persuade you in any way (such as suggesting that you sell your property or take out more credit) to get you to pay the debt faster.
- An ERS debt collector may not show up at your place of employment to get you to make payment.
- They may not publish your name on any list or on social media in an attempt to defame you and shame you into paying up your debt.
As an A+ accredited law firm, you can rest assured that the attorneys at Consumer Rights Law Firm will fight fiercely on your behalf. We are experienced in dealing with debt collectors and navigating debt collection harassment. All you have to do is give u a call today at (877)-700-5790. We will listen attentively and take it up from there.
More about the Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act (FDCPA) is the main federal law in charge of how debt collection is conducted. The FDCPA protects you by preventing debt collection companies from using abusive, unfair, or deceptive practices to coerce payments for consumer debts from you.
The FDCPA is extended to cover:
- Credit card debts
- Auto loans
- Medical debts
- Other consumer debts that are for personal, family, or household purposes.
It should be noted that the FDCPA does not cover business debts and it is also not usually extended to the loans you owe to the original creditor to whom you owe the original debt.
Can I choose which debt to pay?
Yes, if you are currently making gradual payments on a debt, then you are allowed to choose which debt your debt collection agency applies your payment to.
Make sure that you keep in touch with your debt collector to keep them informed about the direction in which your debt payments should be applied. This is, of course, if the debt collector is calling you to collect on more than one debt.
if the debt collector is calling you to collect on more than one debt, then you are well with your rights to ask the debt collector to apply any payment you make to any debt of your choice.
We always advise our clients to keep a file of all the letters, documents, and other forms of communication that a debt collector has sent to you. You should also retain copies of anything you send to Express Recovery Services Inc. Keep track of the dates and times of conversations along with notes about what was discussed during these conversations and details about if any harassment ensued. These records will come in handy if you have a dispute with a debt collector, decide to retain the services of an attorney, or take your debt collector to court.
What is ERS Resolution Group?
ERS Resolution Group is a third-party debt collection agency that operates from 79 ROANKOKE PKWY, BUFFALO, 14210, NEW YORK. Founded in 1996, they have prominent names such as Questar Gas, Rocky Mountain Power, and the University of Utah Health Care on the list of people they collect for.
ERS solutions phone number:
(801) 486-4182, 844-961-4380, (800) 238-5888, and 844-680-9135
ERS Resolution Group sometimes calls themselves ERS Law Group.
How do we help you stop ERS Resolution Group Debt Collection Harassment?
If you are facing ERS Resolution Group phone harassment we will send a cease-and-desist letter to the company on your behalf. This should stop the harassment you face by cutting off every means of communication between you and the organization, and if you retain us as your legal counsel, all future correspondence between you and the agency will be directed to our office instead of to you.
Furthermore, if ERS Resolution Group has violated your consumer rights or any state law in the process of trying to recover debts from you, then you may be entitled to monetary compensation and statutory damages set at $1000 for the violation of the FDCPA and $500 – $1500 for the violation of the TCPA. The debt collector will also be made to pay your attorney’s fees and costs. Call us today at 877-700-5790 for immediate assistance.
Do you have a Question?
Do you have a question about the ERS Resolution Group debt collection or the entire debt collection process in general? Click here to ask a professional now!
CONSUMER RIGHTS LAW FIRM, PLLC
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from ERS Resolution Group. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at 877-700-5790 for immediate assistance.
“What an amazing experience I had with Consumer Rights Law firm. I kept getting constant calls from a debt collector who was asking for someone I didn’t know. After explaining over and over I was not the person they were looking for, the calls still continued, it became frustrating and very annoying. I came across this firm and just called to talk to someone to see how I could get the calls to stop. I spoke to a gentleman that was very professional and very helpful.
Not only did they get the calls to stop immediately, but they were also able to put some money in my pocket as well, Here’s the best thing, it cost me nothing for them to help me. They come highly recommended. Thank you, Consumer Rights” – Shelley, 32
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff was very courteous and helpful, and they were familiar with the Collection Agencies in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer.” – Chad, 24
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights.” – Amy, 42
Check out the links below for more information:
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