ERS Resolution Group Debt Collection Harassment

Last Updated November 12, 2024

Dealing with debt collectors like ERS Resolution Group can be stressful and frustrating, especially if their methods cross the line into harassment. While ERS Resolution Group has a legal right to collect outstanding debt, consumer protection laws bind them from using abusive and deceptive practices. Knowing your rights and understanding how to protect yourself from collection harassment can empower you to handle such situations with confidence. We stand by your side at The Wood Law Firm, respecting and defending these rights.

The Laws Protecting You from Debt Collection Harassment

The Fair Debt Collection Practices Act (FDCPA) is a cornerstone law that establishes clear boundaries for debt collection agencies like ERS Resolution Group. Created by the Consumer Financial Protection Bureau (CFPB), the FDCPA prevents collectors from using harassment, threats, or deception to pressure debt payments. Alongside the FDCPA, the Fair Credit Reporting Act (FCRA) ensures fair practices in credit reporting, affecting how debt collections impact your credit score. Some states also enforce consumer protection laws that further enhance these federal protections.

The FDCPA applies to third-party debt collectors like ERS Resolution Group and prohibits them from using abusive tactics to collect debts. The law gives consumers control over their interactions with debt collectors, requiring agencies to be honest and transparent while respecting individuals’ rights. It’s important to remember that the FDCPA covers many debt types, including credit card debt, medical bills, and personal loans.

Debt collection practices that violate the FDCPA are not just unethical, but they also open the door to legal action. If ERS Resolution Group has been harassing you or using unlawful tactics, it’s essential to promptly reach out to a debt defense attorney. The Wood Law Firm can assist you in navigating this challenging process and help you understand the legal avenues available to stop the harassment.

In addition to the FDCPA, state laws may offer additional protections against aggressive debt collection. Some states have laws that limit the number of calls a debt collector can make, provide longer timeframes for responding to debts, or mandate specific disclosures before a collection agency can initiate action. By working with an attorney familiar with federal and state laws, you can maximize your protections and stop harmful collection practices from impacting your life.

Also read: Beacon Recovery Group Debt Collection Harassment

Understanding Harassment by ERS Resolution Group

Debt collectors often tread a fine line in their pursuit of payments, and some engage in illegal practices. ERS Resolution Group debt collection harassment may involve tactics like threats they have no right to execute, calls at inappropriate hours, or intimidating language. In some cases, ERS may even pose as a law office under the name ERS Law Group, which is misleading and prohibited.

The FDCPA restricts debt collectors from engaging in such actions, and if ERS Resolution Group is violating these terms, you could have a case for legal action. Below are critical examples of prohibited actions that are considered harassment under the FDCPA:

1. Revealing Debt to Third Parties: ERS Resolution Group cannot disclose your debt to anyone outside the direct collection process. They cannot share information about your debt with family members, friends, or colleagues without your explicit permission, and doing so is a violation of your privacy rights.

2. Threatening Legal Action Without Basis: Debt collectors like ERS cannot make unfounded legal threats, including warnings of jail time, wage garnishment, or lawsuits, without prior court authorization. When not legally permissible, these threats often cause undue stress and confusion.

3. Misrepresenting Affiliation: ERS Resolution Group collectors cannot claim to be law enforcement officers, court officials, or legal professionals unless they hold such a position. Misleading you to think you are dealing with legal authorities is deceptive and illegal under the FDCPA.

4. Calling Outside Legal Hours: The FDCPA specifies that debt collection calls can only occur between 8 a.m. and 9 p.m. local time, barring explicit permission for other times. Calls outside these hours, especially late at night or early in the morning, are considered harassment and should be reported.

By taking any of these actions, ERS Resolution Group collectors violate federal law, and you may be entitled to statutory compensation of up to $1,000. The FDCPA provides for consumer damages in actual damages, statutory damages, and attorneys’ fees if the collector violated the law. To take advantage of your rights, contact The Wood Law Firm at +1 844-638-1122 for a free consultation.

Also read: Global Resolution Center Debt Collection Harassment

Your Legal Rights Under the FDCPA Against ERS Resolution Group Debt Collection Harassment

The FDCPA limits the types of debt collection agencies can collect using aggressive tactics. This federal law covers various consumer debts, such as:

● Credit Card Balances: Many people struggle with debt, which can be a significant financial burden. The FDCPA ensures that your rights are protected when dealing with debt collectors for these types of debts.

● Medical Bills: With the rising cost of healthcare, medical debt has become one of the most common forms of consumer debt. The FDCPA safeguards you from harassment when dealing with unpaid medical expenses.

● Mortgage Payments: When homeowners fall behind on mortgage payments, debt collectors like ERS Resolution Group may try to pressure them into paying. The FDCPA limits the tactics they can use in such situations, offering some protection to homeowners.

● Auto Loans: If you’re behind on car payments, it’s essential to understand that debt collectors cannot take extreme or illegal measures to get you to pay. The FDCPA provides clear guidelines to ensure fair treatment during this process.

It’s worth noting that business-related debts and original creditor loans typically fall outside the FDCPA’s scope. However, if you’re dealing with ERS Resolution Group harassment, and they are collecting on a consumer debt, The Wood Law Firm can step in to protect your interests.

Also read: Recovery Solutions Group Debt Collection Harassment

Deciding Which Debt to Pay

If you’re making incremental payments on your debt, you can choose which debt receives those payments. By clearly communicating your preferences, you prevent misunderstandings and ensure the correct application of payments to your intended debt. This step is beneficial if ERS Resolution Group is pursuing multiple debts from you. Stay in contact with ERS representatives to specify where payments should go and keep records of all correspondence for future reference.

Pro Tip: Maintain a record of all letters, emails, and phone conversations with ERS Resolution Group. Jot down dates, times, and the details of each interaction. Documenting these instances can strengthen your case if you face any disputes or decide to file a complaint with The Wood Law Firm. In addition to keeping written records, consider using certified mail or email with read receipts to ensure your communications are traceable and verifiable.

ERS Resolution Group: Who Are They?

Operating from 79 Roankoke Parkway, Buffalo, NY, ERS Resolution Group was founded in 2019 as a third-party collection agency. Often, they employ multiple phone numbers, including:

801-486-4182
844-961-4380
800-238-5888
844-680-9135
833-616-9726
320-233-8089

ERS Resolution Group sometimes operates under the name ERS Law Group, which can create confusion. The name implies a legal entity when, in fact, it is a standard debt collection agency. It’s important to remember that ERS Resolution Group is not licensed to practice law or pursue criminal charges over unpaid debt.

Also read: Revenue Group Debt Collection Harassment

How The Wood Law Firm Can Stop ERS Resolution Group Debt Collection Harassment

Are you facing repeated calls or intimidation from ERS Resolution Group collectors? The Wood Law Firm is ready to act. We can draft and send a cease-and-desist letter on your behalf to halt further contact. Once ERS receives this letter, they must legally cease all direct communications with you. Should they violate this mandate, you could be entitled to additional compensation.

You may receive monetary compensation if ERS Resolution Group’s actions infringe on your rights or violate federal or state laws. Typical statutory damages range to $1,000 under the FDCPA, while penalties under the TCPA (Telephone Consumer Protection Act) vary from $500 to $1,500 per violation. Legal fees and court costs often fall to the collector, ensuring that your protection comes at no financial burden to you. For immediate assistance, contact The Wood Law Firm at +1 844-638-1122.

Also read: Central Management Group Debt Collection Harassment

Do You Have Questions About ERS Resolution Group Debt Collection Harassment?

If you’re uncertain about your rights or the general debt collection process, don’t hesitate to ask for help. The Wood Law Firm is here to clarify any questions you might have about the practices of ERS Resolution Group and others. With an A+ rating from the Better Business Bureau, our firm has represented consumers against debt collectors since 2010. Protecting consumer rights is our top priority, and we’re here to guide you through your rights with professionalism and dedication.

Real Client Success Stories

Our clients have experienced tremendous relief and justice through The Wood Law Firm. Here are a few testimonials:

Shelley, 32: “The Wood Law Firm stopped the harassment quickly and even compensated me. I highly recommend their services!”

Chad, 24: “I had harassment from two agencies, and The Wood Law Firm managed to get both to stop. They know exactly how to handle collection agencies.”

Amy, 42: “After working with The Wood Law Firm, they stopped contacting me. They were transparent, professional, and straightforward about my rights.”

Critical Resources for Additional Information

For further details about debt collection harassment and your rights, explore the following resources:

Stop ERS Resolution Group Debt Collection Harassment Today

At The Wood Law Firm, we understand the toll ERS Resolution Group debt collection harassment can take on your life. With no fees or out-of-pocket costs, we make defending your rights accessible and stress-free. The FDCPA and other consumer protection laws protect you against abusive practices, and we’re here to ensure these laws work in your favor.

Don’t wait for the harassment to escalate. Call us today at +1 844-638-1122, and let The Wood Law Firm defend your rights.