Who is ER Solutions, Inc.?
ER Solutions, Inc. is a debt collection agency located in Wixom, Michigan. It’s a subsidiary of Convergent Outsourcing, Inc. located in Renton, Washington.
You may see ER Solutions or Convergent Outsourcing on your credit report if you have defaulted on a financial obligation, such as a credit card, utility bill, or a healthcare invoice.
Who does ER Solutions collect for?
ER Solutions provides a broad range of collection services across multiple industries. Their client list includes banking institutions where they handle delinquent loans or overdrafts, cable and satellite companies for unpaid services, and healthcare providers for unpaid medical bills. In addition, they work with telecommunications, utility, and wireless providers,
Is ER Solutions legit or a scam?
ER Solutions is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove ER Solutions from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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ER Solutions, Inc. Contact Information
Address:
ER Solutions, Inc.
800 SW 39th St Suite #100
Renton, WA 98057
Phone number: (800) 444-8485
Should I contact or pay ER Solutions?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with ER Solutions is to work with a credit repair professional. They help remove millions of negative items every year from companies like ER Solutions on behalf of their clients.
Will ER Solutions sue me or garnish my wages?
ER Solutions, Inc. does have the ability to sue you in court to collect the debt if it remains unpaid. If the court rules in their favor, they may receive a judgment allowing them to garnish your wages, levy your bank account, or seize other assets, depending on the laws in your state.
However, keep in mind that lawsuits and wage garnishments are typically last resorts for debt collectors and not the initial steps taken. They often prefer to work out a payment plan or settlement directly with you, as legal action can be time-consuming and costly.
ER Solutions, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassing phone calls, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with ER Solutions, Inc.
ER Solutions must abide by state and federal laws in the United States. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for ER Solutions to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- ER Solutions cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- ER Solutions must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- ER Solutions cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove ER Solutions From Your Credit Report Today!
Credit Saint offers assistance with disputing ER Solutions accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
