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Re: Charged off debt sold

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Posted by LadynRed ( on December 04, 2002 at 17:40:35:

In Reply to: Charged off debt sold posted by Scy4 on December 04, 2002 at 16:18:18:

They have an address, they are just refusing to give it to you to force to you to pay them what THEY want with a Check by Phone. DO NOT do it, if they have your checking info, the will drain everything in your bank account and go back for more whenever you have money in the account !

Go to the FTC site and read the Fair Debt Collections Practices Act. This will help you learn your rights when dealing with these slimeball CA's.

I found 3 addresses for ER Solutions. Since I don't know what state you're in I'll post them all:

Phoenix (Maricopa), AZ
ER Solutions, Inc.
2400 W Dunlap Ave Ste 220, ZIP: 85021-2815
Mailing Address: PO Box 39200, ZIP: 85069-9200
Phone: (602) 943-0055
Fax: (602) 331-5678
Mr. Steven J. Hunter, President

Peoria (Peoria), IL
ER Solutions, Inc.
1101 Main Street, Suite 300, ZIP: 61606
Mailing Address: 1101 Main Street, Suite 300, ZIP: 61606
Phone: (309) 671-9550
Fax: (309) 672-9487
Mr. Mikel J. Burroughs, President
Website: www.e-r-solutions.com

Renton (King), WA
ER Solutions, Inc.
500 SW 7th St Ste A100, ZIP: 98055-2983
Mailing Address: PO Box 9004, ZIP: 98057-9004
Phone: (206) 322-4500
Fax: (206) 340-4003
Mr. Steven J. Hunter, President
Website: www.e-r-solutions.com

If you want the phone calls to stop, send them a Cease and Desist letter (certified, RRR) and you tell them to ONLY contact you via the mail. They must obey or they are breaking the law (FDCPA).

That's one step. If you can only pay them a certain amount, send them a letter, (always certified RRR!) and offer them a payment plan and amount that YOU can afford. They will pitch a fit, but stick to your guns and do not budge. IF you get sued, your offer will show that you at least tried to come to an agreement and tried to pay your debts. This will count with a judge should it go that far.

Just stop talking to these fools on the phone, its pointless. Its a waste of your time and energy to bother, all they will do is lie, yell, get nasty... who needs it ?? Not you.. not anyone. There is NOTHING in any law that says you HAVE to talk to these jerks, nothing that says you HAVE to call them back for ANY reason. Just let them talk to your answering machine. If you have caller id, great, ignore the 'unknown' or 'out of area' calls.. I do. If you do end up on the phone with them, tell them to wait a minute that you are going to turn on your tape recorder (even if you don't).. you'd be surprised how fast some of them will just hang up !!!

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