To stop calls from 8002782420, call ERC’s representative at their number 1-800-383-5979 and report the complaint about calls and request them to stop the calls. You can also ask them to contact you via email or else you can will send a “cease contact” letter.
The number 800-278-2420 belongs to Enhanced Recovery Company (ECR) LLC, a highly aggressive debt recovery company known for its unprofessional and harassing tactics.
In our research, we found that the company as 1 star rating out of 5 on its Better Business Profile which is really bad. The profile is filled with complaints and grievances, including ERC’s alleged failure to respond to calls and threats of initiating legal proceedings without verifying the debt.
If they are calling you, it could mean two things –
- They have acquired your debt from the initial creditor (like a credit card firm), and are now contacting you for recovery.
- They don’t hold the debt directly, but are receiving compensation to collect it on behalf of another company.
However, the worst part is the collection amount that have been put on your credibility, hurting your credit score.
Thankfully, there are a few things that you can do to stop them from calling you and you can use your rights to stop them from calling.
Know Your FDCPA Rights That Protects You From Unlawful Debt Collectors
The Consumer Finance Protection Bureau (CFPB) has provided certain rights to consumers, and the Fair Debt Collection Practices Act (FDCPA) protects you against these illegal debt collection practices.
According to FDCPA,
- A debt collector can’t call you before 8:00 am or after 9:00 pm.
- The debt collector must send you a debt validation notice within five days of their initial contact with you.
- They must send you a validation notice; in case of an incomplete notice, you don’t need to pay the debt.
- They must clearly present their identity as a debt collector, providing full names, address, phone number, and company license number.
In case, they overstep any of these rights, you have the option to report the misconduct to the FTC, CFPB, or BBB, or consult with a consumer attorney.
If ERC fails to win in court, they will have to cover both your attorney’s fees and your compensation.
Dispute The Debt
You must initiate a dispute within 30 days of receiving the debt validation notice before the debt is deemed valid.
When the ERC sends a debt validation notice, they also attach a returnable form to launch a dispute. If the stated debt is not yours or the stated amount is wrong, you have the right to dispute it.
Here’s how you can do this:
- Draft a Debt Validation Letter to request an official debt validation notice.
- Send this letter via certified mail as a proof that ERC has received it.
- Wait for ERC to receive your letter. Upon receipt, they are obligated to initiate an investigation.
- ERC will then seek to confirm whether or not the debt belongs to you.
- If ERC lacks the appropriate documentation from the original creditor, they will dismiss the case.
- Note that, in most cases, collection agencies often prefer to back down at this point because the cost of proving the debt may outweigh the benefits of continuing to collect it.
Never hesitate to dispute a debt, even if you are certain it’s yours. It’s ERC’s responsibility to demonstrate that the debt is indeed yours.
If ERC collectors can’t provide valid evidence, there’s no obligation for you to pay and if they persist in contacting you about the debt without verifying it, they are breaching the terms of the FDCPA.
More Ways To Stop Calls From 8002-782-420
The easiest way to stop calls from 8002-782-420 is contacting directly to an ERC representative. You can call an ERC representative at 1-800-383-5979, as provided on their website, and lodge a complaint and make it clear that you don’t want them calling on your phone number.
You also have the right to request them to send all further communication via email.
Alternatively, you can choose to dispatch a “cease contact” letter. Upon receipt of your letter, ERC should refrain from contacting you for debt collection. They may only reach out to notify you of any action they intend to take (e.g., legal action).
Your next option is to explore the “pay for deletion” route. For this, you can ask the ERC representative if they provide pay-for-deletion services. If they offer this service, you can easily settle the debt and have it removed from your credit report.
Finally, consider proposing a debt settlement with ERC. If paying the entire amount is beyond your means, you can negotiate with the company to pay a part of the debt.
Debt collection companies purchase debts at a significantly lower rate, such as 4 cents on the dollar and that gives you much room for negotiation. Begin making payments once you’ve agreed on a percentage, and soon you’ll be free from ERC’s harassment calls.
You can also get calls from 800-289-8004, check our guide on who is calling you and how you can stop calls from 8002898004.
Why ERC’s Calls Are Irritating?
ERC’s calls are irritating and harassing because
- They request information about an unknown person.
- They only have your correct name, but the associated debt isn’t yours.
- The representative inquire about a debt that has already been settled.
- They contact you during night-time or repeatedly.
- You start calling your workplace, friends and family members.
- They harass or try to threaten you.
Who is ERC and Why Are They Calling Me?
ERC, also known as the Enhanced Recovery Company, is a well-established debt collection agency that works on behalf of various companies to collect outstanding debts. They serve a diverse range of industries, including utility companies, credit card issuers, student loan providers, financial services, and telecommunication companies.
If ERC is calling you, it’s likely because you have an unpaid debt with one of the companies they represent. They are tasked with recovering that debt on behalf of their client. It’s crucial to address these calls promptly to avoid potential negative impacts on your credit report or further collection efforts.
Conclusion
Putting an end to the harassment calls from 800-278-2420 by Enhanced Recovery Company (ERC) involves taking proactive steps and asserting your rights as a consumer. Contact ERC at 1-800-383-5979, report your complaints, and request a halt to the calls.
Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA) rights, allowing you to dispute the debt, demand proper validation, and report any violations to relevant authorities.
Explore additional options such as “cease contact” letters, proposing debt settlements, or even negotiating a “pay for deletion” arrangement.
Recognizing ERC’s irritating tactics and understanding your rights empowers you to regain control over your communication and protect your financial well-being.