ERSolutions - Anyone know??

Hi Keith,

Welcome to the forums.

Two possibilities are there, behind the letter.
First is that, you really have the loan and you are forgetting it and secondly some one is trying to impose it over you. Whatever be the reason, you have full right to know the source of your debt. You have the Fair Debt Collection Practices Act and debt validation rules beside you.

As you have mentioned that you never dealt with the companies and the last name letter is addressed to, is not also yours you can surely ask the reason of such a letter. And if you can prove their fault, they will remain legally bound to compensate you.

The right procedure will be sending them a letter first, as you have decided. You can also post some complaints to some sites including the letter you got.

Hope the information will help you,

Regards,
Bryan

My brother received a number of calls from this very rude person, he lives in another state in another state from where I live. I received a message and called back and talked to this extremely large A-Hole.who threated me and other such things about a debt that is seven years old and was my exe"s. That was two days ago. My brother in another state, today received 13 calls from someone that is too rude to leave a message each time he called! Gee I wonder who!!

HI TPM1047

Welcome on the debt consolidation Care board. You and your brother have the federal rights to stop all the collection calls coming at your end. As per The Fair Debt Collection Practices Act, the bill collectors are restricted from imposing harassments on any consumer. As it is a federal law, so it is put into effect in all the 50 states in US. Under the Section 806, the debt collector is restricted from involving in any kind of repeated personal contacts with a consumer with such frequency to harass him.

You and your brother should notify the debt collector in writing to stop all the communications and they are required to follow it after receiving your letter. This will include both the phone and mail contacts. It will be a wise move if you can send your written notice through certified mail and requesting return receipt.

There are some bill collectors who are persistent despite the law. The Federal Trade Commission will be a true help for those helpless consumer and hope for some soothing help at their toll free number FTC (1-877-FTC-HELP).

Regards
Roxette

Sent back the letter I recieved.
I also included a second letter, stating the person named didn't exist at the address shown, that I never dealt with either company listed and requesting they validate their claims first.

Waiting to see what, if anything happens.

Learning more every time I check in, as to what I need to do, and how to proceed with fighting back!

Kchahn - let's wait for the reply. It's nice that you learn something new in this forum. This forum is a LIFE SAVER

Only wish I would have discovered this MUCH earier!!
Like about a year or so! Had major problems with what I still firmly believe was an illegal garnishment.

Knew absolutely nothing about it until I got to work one day. Stole about $1500, that I'd like to attempt to recover, plus additional damages, from BOTH parties involved.

If I'd have known about this site then, I could have taken necessary actions by fighting back!! Have an idea, that I was thingiong about during work last night. Just don't know if what I'm thinking would be possible for me to do. Maybe another thread for a different time.

I just prey that everything works nicely at your end. Please do keep me updated about this matter. :D

They could not do much after I walked off the job, for other reasons!! Now, I'm just interested in finding a way to get my money back. Am thinking of filing a lien against all parties involved, in a possible attempt to recover the money stolen from me. Need to locate information on the subject though.

Keith

Ok, Got another "settlement" letter from ERS.
Almost fell outta my chair when I glanced at it!
Said they will accept 60% of the account. Of course, they want $1,187.50 in 14 days.

It'll take me 8 MONTHS to attempt to save that much!
I'm lucky, after paying truck payment, insurance, phone and DirecTV service, if I have $200 left over, and I gotta start paying part of that bvack to my folks!!

Interesting in that absolutely NOTHING has been mentioned about the incorrect name etc......on the letter recieved. Still states the wrong last name and/or the incorrectly spelled last name.

The letter recieved shows asset acceptance llc as the creditor, and a balance owed of $1,979.16, which is NOT the case. I do not owe either company the money stated. Will send one last letter, requesting validation, etc........from the various letters suggested here.

What would I do next, if requested information is not recieved, which I'm doubting it will be??
Thanks againn for the information!!!
Folks have been MOST helpful!!

Keith

Hi Keith

I believe this letter from ERS is incorrect. You definitely need to ask for debt validation and see if it is shown legitimately.

If they do not reply to your validation letter and still keep calling you, you have the right to take legal action and sue them up to $1000 as per the Consumer protection afforded by the fdcpa Section 809 (b).

Regards
Roxette

I received a letter today correctly addressed to me from ERS indicating I owed them $262.33 on a Cingular Wireless account. I have never had a Cingular phone, it is not even available in my area. They are willing to settle in 14 days for $209. What is this?

Hi crparker

Welcome to the forums. You should pull your latest credit report and check if the said account is shown in your credit report. As you say that you never used a Cingular phone, this will not appear in your credit report.

You can ask your creditors to validate the said debt providing complete details of the accounts. As per the fdcpa law, they are required to prove this debt with all the necessary information.

http://www.debtconsolidationcare.com/validation.html

If the said debt is not legitimate and the creditors report it inaccurately to the bureaus, it is defamation and will result in financial injury. You can fine them up to the extent of the damages incurred by the wrong party as deemed by the court.

Regards
Roxette

Was finally able to draft a validation request letter.
Work and daily life kinda got in the way!! Anyway....I ended up sending out 2 validation requests to two seperate companies, stating I owed them money.
Also sent a request for information on an account that was canceled by the collection agency dealing with it.
And they sent notice within 2 weeks of recieving my validation request!
Now, the wait begins to see what becomes of the letters mailedout today, Aug 26.

Keith, keep us informed about the latest

i have lost yuor phone number please get in touch so i ma make a payment

Micheal, you have landed in the wrong place. This is a debt consolidation forum. Contact ERS at the following address.

ER SOLUTIONS
4425 W. Olive Avenue #400
Glendale, AZ 85302
Phone Number: 623-931-5401
Fax Number: 623-931-5402

E R Solutions Inc
500 SW 7th St Ste A-100
Renton, WA 98055
Telephone: (425) 643-3111

Just hooked up my answering machine to telephone.
When I get yet another call from the people at ERSolutions. Had sent a letter once, stating no phone calls, requesting claim validation etc......No money to cover a Return Reciept unfortunately. Planning on sending another letter shortly. Want to also inform them that since my first letter was sent, they have been in direct violation of the law, as per my written requests.

What makes this call interesting, is there was absolutely NO useful information given. The caller basically provided an 877 number and said: Call this number for an important message. Hours are 8AM to 5PM CST(I think). If you need to talk directly to a person, call this number and press 0(zero). Or at least a message something along this line!!

Caller did NOT say who he was, who he represented, who he was calling for etc....

Kchahn

Quote:

I'm aware that I need to have a paper trail, that proves my side of things. As mentioned, I was cash short the first time. This next letter is definately going Return Reciept! Not that it'll help, but I should still have a dated copy of first letter sent.

Keith

I have received numerous phone calls asking me to "press 9" to speak to a representative. And that they weren't a solicitation.
Curiousity bit me and i pressed 9. A lady answered asking for Nicole or Keith. Well, I don't a Nicole or Keith. I asked for her manager and she asked why and I said "Because I don't want to receive any more calls from you" and she said "well have you ever answered the phone and spoke to someone before?" I said "no" she replied "well you're off the list and.." I cut in, "May I speak with your manager please" "No ma'am you can't" ... Click.

Hmm...
I also called this phone number back and have looked on line and called those "ER Solutions" Every phone number listed answers with "i'm sorry i'm not available to take your call.. please leave a message"...

I feel your frustration!

Use to work for ER solutions they have a code that is 3600 cease communictaions they have to comply with code. also you can tell them , but it has to be twice you willnot pay them they will then remove yo and sent the claim back to the place it came from

Hey, guess what, I just got one of these letters also.
The letter I received also is not addressed to me in my last name. Who are these people?? :evil:

Guest,

ER Solutions is a collection agency. Perhaps they are contacting your for any of your unpaid accounts. It seems they have sent you validation. If any wrong information is there in the letter, dispute it. Send them a dispute letter, attach copy of their correspondence and mark the item that you want to dispute. Send the letter via certified mail with return receipt requested.

Mailed out my CMRRR dispute on Dec 18, recieved and signed by them on Dec 23.
No phone contact from them, as I requested. However, no other written contact from them either! Think they passed info along to someone new.

Just sent out a couple more, so we'll see what happens with those, once recieved by company in question. Personally, I kind of doubt that they'll actually do anything.

Guess what, I received a letter today saying I owed them $212.54. I have no idea who or what this company is. I just know I don't them any money.

Guest,

Are you getting collection calls? Make sure that the company sends you something in writing about the debt account before you send your payments. See this link

http://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text#809

I have been getting nasty phone calls from ER Solutions looking for an ex husband of 12 years ago. The only info I could get out of them (through the rudeness) was that I came up as a "reference" for my ex's account info. That is as far from the truth as WMD in Iraq! Anyway, I have expressed to them that I have zero contact with this person and do not have any knowledge of his current situation. I also expressed that he has no legal right to use me on any financial transaction at all. They keep calling anyway...how can I get this stopped? PS. I checked my credit report and it has no problems or errors; I am on a credit checking program now to report any discrepancies that may pop up. I did a google search on the ex and found his home address and employer; should I share this w/ ER or contact the ex &/or his employer?

abancroft, it is your personal decision whether you want to tell ER solutions about the present address of your ex or call him directly to inform this happening. But, you can stop them from contacting you legally. A cease and desist letter will be the best legal move from your side. The FDCPA explains the consumers' rights when contacted by a CA. Here is a template on how to write a cease and desist letter. Send it through certified mail with return receipt requested.

http://forums.debtcc.com/template-cdletter.html

BuildingWealth: Thanks for the info; the letter will go out tomorrow. I'll keep you posted. Tonight we got 4 calls w/in 5 minutes from ER Solutions. They are impossible!

9/22/2006



To whom this may concern,

I was a client of Washington Mutual a couple of years ago. I had a DISPUTE WITH A.O.L over charging my account when I had requested to cancel my A.O.L. Account. With time there was nothing else I can do but to close my Washington Mutual Account. On 3/15/06 I received a letter from ER Solution post marked on the letter 3/3/06 (yet received it by hand from mailman on 3/15/06) requesting for me to response within 14-days. I called on 3/15/06 @4:30pm and spoke with MS EKIKO at 1-800-622-8034 ext#5520. She demanded that I paid the balance of $255.59 and at that time I did given her my friend acct # and all information needed. Ms Ekiko gave me the confirmation and said it will take up to the 31 of March to clear. After the account becomes clear I will receive a letter from them saying that my account was clear and in 0 balance.



On 9/20/06 I called and spoke with a representative and told me Ms. Ekiko was not in that I had to call tomorrow meaning 9/21/06. I called 9/21/06 once again I was told to call from 7am-3pm central time that was her working hours. At That time I asked the gentleman why I have not received the letter he stated that I had to call back after the payment was cleared to request the letter. I informed him that was not what Ms. Ekiko said, but I will call back.

On 9/22/06 I started to call since 7:00am central time like I was instructed. The call rang twice then busy signal came. At about 7:20am I was able to speak with Ms, Ekiko and requested the letter to be faxed. I gave her my fax number at that time she said she did the request and the letter will be faxed by 1pm central time. At 2:30pm central time I called to spoke with Ms. Ekiko and she was not helpful, she was rude and when I asked her are you a legit collection agency, she stated yes. Then I asked her I would like to speak with her supervisor, at that time she handed up.



I called Washington Mutual Bank spoke with a representative and hopefully I get the letter within 7-10 Business days.

I understand these collection agencies must focus on collecting, but never should this kind of rudeness nor degrading should be conducted under no circumstances.





Respectfully



Cc: File

Cc: Washington Mutual

Cc ER Solution

Debt collector phone calls can be recorded after checking with your state laws if that can be done secretly or by taking permission. Section 806 of the fdcpa disallows collectors from involving into harassment or abuse. Section 807 restricts collectors from putting false or misleading information in your file. Read more http://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text#806

I've received a letter from ERS about a debt I owe. The first one I ignored, but this second one they've dropped the amount owed down by 30%. They say they have the ok from the company I owed it to. But I wonder as the company I owed it to would not even deal with me on it at all. Of course it was a cell phone company that would not drop the disconnect fee when I moved out of state where I had it to another state as I had to take employment in a state where the cost to keep the phone was so expensive because of the roaming fees..etc...
This is the first time in 1 1/2 years that I've heard anything on it since the cell company wouldn't work with me on it back then.
My question is, do I call this ERS or write them a letter stating what I can pay each month and how I will pay it..etc...??
Thanks....

First, get the details of the debt in writing from the ERS. You should review all information pertaining to this account from your cell phone company. Once you have reviewed everything, mention the plan to the CA and get it approved from them in writing

I have also dealt with ER Solutions. They stated that they were collecting for Washington Mutual who I did owe money to. I made payment arrangements with ER Solutions yet I was getting collection calls from Washington Mutual. I called Washington Mutual to inform them of the arrangements with ER Solutions and they said they had never heard of ER Solutions. So I put a stop payment on the arrangements I made with ER Solutions and sent them a letter requesting proof that they are collecting for Washington Mutual. This was about a month ago and I still have not received any proof from ER Solutions.

http://whocalled.us/lookup/6239315410

OKay someone please inform me, that if these debts are not in your name or not yours in general. Why the hell are you opening the mail. isn't it against the federal law not to open someone else's mail. see if you do stupid crap like that then if you ever go to court,it will never hold up.

I believe that it's the collection agencies that are supplying the wrong information. NOT the Post Office.

IF You've read enough stories here, you'll see that folks are being faslely accused of owing from hundreds, to thousands of dollars on an account they NEVER had.
Only because the CA's decided that a persons name and/or SSN were "close enough" that they'll report what they want, until they get what they want. Which is usually money that is NOT owed by a particular individual.

That's one of the reasons that folks here say to get VALIDATION from any CA. Make them prove to you, that they do in fact have a legit account of yours. If the information doesn't match, the there shouldn't be a reason to pay for something that isn't mine etc......

I've been sending out Validation letters for some time now myself. I get the Return Reiept back, but for some "odd" reason, I never recieve anything else regarding the account in dispute.

What it comes down to, is really quite simple, I think. No valid proof, no money.

Just my opinion(s) on things. Based on what I've learned and read here. Could be wrong. Would not be the first time, if I am wrong. Certainly not the last time either. Corrections always welcome!

These scumbags called me up twice so far, and are trying to collect a debt from someone who spells their name differently from me, for an account I never had.

The guy claimed his name was Rich Garza (sp?), and was really rude and thuggish. He kept trying to get me to give him my date of birth and social security number, which there was no way I was doing for some stranger who called asking for it about a debt I never heard of. He wouldn't even give me the last four digits of what he *thought* my SS# or birthday was, which makes me think he doesn't even have it. This is a pretty dumb scam they're trying to pull, but I'm sure some people fall for it.

When I asked him for a mailing address, he claimed it was P.O. Box 9004 Renton, WA 98057. I asked him if that was where I should send a "cease and desist" letter if they kept harrassing me, and he said "you can send whatever you want". Clearly these people have long history of pulling this kind of crap and are prepared for any answer.

If they call again, I'm going to ask them to contact my lawyer instead of me from now on. If they were a legitimate collection company just making a mistake, they would be more knowledable and professional. These people are thugs trying to make a quick buck, and they don't care how they do it.

Whaever you do, don't give them any information.

I'll post again if they ever call back.

if your name isn't on the letter, than they think that person lives there. if it isn't you they want, then why are you arguing with them? these companies are prohibited from disclosing information to third parties, so they apparently think the named person lives at your address. tell the company they aren't there, or send the letters back unopened! why are you opening letters not addressed to you anyway? mark them "sender unknown" and put in the mail box.

I hate to break it to you duh girl but most of these CA's don't follow the law, okay. It also appears that some of these collection attempts could be scams, which is what the posters are talking about.

I have spoken w/several people at ER solutions to explain the fact that I have lost my job...they have continuously called me over and over again, and now are harrassing my parents for payment! these people are absolutely ridiculous! How can i stop them from bothering my parents? I don't even live at home!!! :evil:

Well first thing you need to do is send them a debt validation letter (you can find a good template in the first link in my signature) If the letter template doesn't have it also include that you only want to deal with them via US postal service. Until they can validate the debt they must cease all collection activity. Also it is illegal for them to disclose information about your debt to anyone but you, a attorney, or another debt collection agency if they intend to sell or transfer management of the account. Just for contacting your parents about the debt you could sue them for $1,000 in statutory damages for violation of the fdcpa (Fair Debt Collection Practices Act) in addition once they receive that letter you can also hold them for $1k per call if they contact you by phone afterwards. Lastly you'll need to send that debt validation letter certified mail, return receipt requested.

Hi Everyone,

I was wondering if anyone is taking xoleda and what to expect?
diagnosed w/ mets to bone and liver. I've heard there may be foot and hand pain? Also I have alot of pain in back and chest. Currently on Herceptin, Avastin. Arimidex, Flasodex and Zomeda. Now just started the xoleda tonight. Already in alot of pain so I'm anxious about what to expect. Any feedback would be greatly appreciated. Also could use some stories from anyone that has seen success. Feeling a bit down regarding the lates news that it's back in my liver and hormone treatment alone is not working.

Valopanas, this is a forum that deals with debt. We have no dealings in the pharmaceutical industry. Sorry.

i am receiving threatening phone calls from a real rude jerk about a bill my ex was to pay back in 1995..13 years ago....is there a time limit that they can come after you and how do you go about refuting the bill that your ex ran up and her name is on it even though her name is wrong

First,
Anytime "Acceptance" appears in a companies name, it is probably a debt buyer. This means you may not be familiar with them. I believe Asset Acceptance is big into purchasing debt from fitness clubs (Bally's, 24-Hour, etc).
Second,
If Asset couldnt find or collect from you they would have placed it with an agency or, the 2nd company you would not be familiar with.
Third,
If it isnt your name on the envelope/letter, you commited a Federal crime by opening somebody else's mail, even if it was sent to your address.

And for the individual who said he thinks he was garnished illegally, you couldnt have been. Once the judgment is awarded, you owe the debt even if you had a valid disupte. If you have a valid dispute and they still got a judgment it probably means you didnt take the time to respond to the complaint or show up in court.

i would encourage anyone who ER Solutions contacts to send a debt validation letter. They collected on me for HSBC while HSBC was still billing me! I still do not know why they were billing me but after sending the letter they stopped.