If ERS Resolution Group is calling you from multiple different numbers, introducing themselves as “ERS Law Group” in a way that suggests they are attorneys, or referencing legal action on a debt you do not recognize, it is worth paying attention. Federal law prohibits debt collectors from misrepresenting themselves as lawyers or legal authorities.
ERS Resolution Group LLC is a small Buffalo, New York debt collector, registered with the New York Department of State in November 2019 according to public records. It is not BBB-accredited and carries a “Not Rated” BBB status, which the BBB attributes to the company not responding to its requests for information.
According to consumer reports, the company has used at least six different phone numbers to contact consumers and sometimes operates under the alternate name “ERS Law Group,” despite public records showing no indication that it is a law firm.
Also searched as: ERS Resolution Group LLC, ERS Resolution, ERS Collection Agency, ERS Debt Collector, and possibly ERS Law Group. Not to be confused with ER Solutions (now Convergent, Seattle), Enhanced Resource Centers (ERC), Enterprise Recovery Systems, or Great Eastern Resolutions, which are entirely separate companies.
Key Takeaways
- ERS Resolution Group LLC is listed at 3840 E Robinson Rd, Suite 320, Amherst, NY 14228 (BBB address) and 79 Roanoke Pkwy, Buffalo, NY 14210 (NY Department of State registered address). Public records list the registered agent as Michael Baker.
- Public records show the company was formed November 21, 2019 (NY DOS #5659788). It is not BBB-accredited, and its BBB status is listed as “Not Rated” because the company reportedly did not respond to BBB information requests.
- The company reportedly sometimes operates as “ERS Law Group” despite public records showing no indication it is a law firm. Depending on the facts, using a name that implies legal authority may raise concerns under the FDCPA’s prohibition against misrepresentation.
- Consumer reports indicate the company has used at least six different phone numbers, including (801) 486-4182, (844) 961-4380, (800) 238-5888, (844) 680-9135, (833) 616-9726, and (320) 233-8089.
- Depending on the facts of your situation, you may be entitled to statutory damages under the FDCPA and the TCPA. Any recovery is never guaranteed and depends on the specific circumstances of your case.
Who Is ERS Resolution Group?
ERS Resolution Group LLC is a debt collection agency filed as a Domestic Limited Liability Company with the New York State Department of State on November 21, 2019 (DOS #5659788).
Public records show two addresses for the company. The BBB profile lists 3840 E Robinson Rd, Suite 320, Amherst, NY 14228. The NY Department of State registered address is 79 Roanoke Pkwy, Buffalo, NY 14210. Michael Baker is listed as registered agent at the Roanoke Parkway address.
ERS Resolution Group is not BBB-accredited. The BBB lists the company as “Not Rated,” which the BBB attributes to having made two or more requests for background information from the business without receiving a response. The BBB file was opened October 18, 2023, roughly four years after the company’s formation.
The BBB also designates the company as an “Out-of-State Collection Agency” with an “Out-of-State Collection Bond,” indicating it collects across state lines from its upstate New York base.
The “ERS Law Group” Naming Question
This is worth understanding when evaluating ERS Resolution Group.
Consumer reports indicate the company sometimes operates under the name “ERS Law Group.” Public records do not show that it is a law firm or that it employs attorneys. Whether the “Law Group” naming was intended to convey legal authority is not something this firm can confirm independently.
Federal law generally prohibits debt collectors from using a name, symbol, or description that falsely implies affiliation with an attorney, law firm, or other legal authority. Courts have, in some cases, found that even naming conventions or letterhead implying legal authority can raise concerns under the FDCPA’s prohibition against deceptive and misleading representations. Whether any specific use of the “ERS Law Group” name would be found to violate the law depends on the facts.
If you received any communication referencing “ERS Law Group,” such as an email signature, letterhead, voicemail, or verbal identification, it may be useful to keep that document or recording.
Why Is ERS Resolution Group Calling You?
Generally, a creditor has assigned an account to ERS Resolution Group for collection. Because the company is relatively new and has a limited public footprint, the exact range of debts it handles is not well documented. Consumer reports suggest it pursues standard consumer debt, including credit card balances, personal loans, and potentially purchased debt portfolios.
It is generally advisable not to pay before verifying a debt. Because ERS Resolution Group is a newer company with no BBB rating, extra caution may be warranted. Consider requesting debt validation in writing within 30 days. Learn what to do when a debt collector contacts you.
Federal law provides certain protections against abusive debt collection practices. Depending on the facts, these can include statutory damages under the FDCPA, compensation for actual damages, and, in a successful case, recovery of attorney fees. None of these outcomes are guaranteed and each depends on the specific facts involved.
Is ERS Resolution Group a Scam?
Based on available public records, ERS Resolution Group is a registered New York LLC with a Department of State filing, a BBB profile, and a listed registered agent. Nothing in the available records suggests it is a fake entity.
That said, a few factors may warrant extra caution:
- BBB “Not Rated” status. The BBB notes it made two or more requests for information that reportedly went unanswered. Many compliant collectors do respond to BBB information requests, though non-response alone is not proof of wrongdoing.
- Use of the “ERS Law Group” name. Alternating between “ERS Resolution Group” and “ERS Law Group” could create confusion about the company’s actual legal status.
- Multiple phone numbers. Consumer reports describe at least six different toll-free and area-code numbers, including out-of-state codes. Using multiple numbers can sometimes make calls harder to trace, though there may be legitimate business reasons as well.
- Limited public footprint. For a company reportedly operating since 2019, available records show an unusually sparse web presence and limited verifiable information about its leadership beyond the registered agent.
Before paying anything, it is generally a good idea to verify the debt independently, check your credit report, and confirm the original creditor.
ERS Resolution Group Phone Numbers
Consumer reports associate ERS Resolution Group with at least six different phone numbers:
- 486-4182 (Utah area code)
- 961-4380 (toll-free)
- 238-5888 (toll-free)
- 680-9135 (toll-free)
- 616-9726 (toll-free)
- 233-8089 (Minnesota area code)
It is generally a good idea to document every call, including the date, time, number, and what was said, and to note specifically whether “ERS Law Group” was used instead of “ERS Resolution Group.” Automated or prerecorded calls to a cell phone made without consent may, depending on the facts, raise a separate issue under the TCPA. Check how many times a collector can legally call per day.
How to Respond to ERS Resolution Group
1. Document any use of “ERS Law Group.” If the company identified itself that way verbally, in voicemail, email, or letterhead, consider keeping that documentation, including screenshots or saved voicemails and notes on the exact language used.
2. Consider requesting debt validation. A certified letter to ERS Resolution Group at either address, 3840 E Robinson Rd, Suite 320, Amherst, NY 14228, or 79 Roanoke Pkwy, Buffalo, NY 14210, can request the original creditor, debt date, itemized balance, and proof of the debt. See our debt validation guide.
3. Document every contact. Log the date, time, which number called, and what was said. If a representative implied they were an attorney or referenced specific legal action, note the exact language. If they called your workplace or contacted your family, document those instances specifically.
4. Consider a cease-and-desist letter. Sent by certified mail to both the Amherst and Buffalo addresses. Review what to say and not say to a collection agency.
5. Consider speaking with a consumer protection attorney if you believe your rights may have been violated, to discuss whether any of the above options apply to your situation.
Can ERS Resolution Group Sue Me or Garnish My Wages?
A collector working with ERS Resolution Group could potentially file a lawsuit if a debt is valid and within the applicable statute of limitations. New York generally allows 3 years for most consumer debts, reduced from 6 years under the Consumer Credit Fairness Act of 2021. If a debt is older than that period, a collector generally cannot successfully sue to collect it, though this can depend on the specific facts.
Operating under the name “ERS Law Group” does not give a debt collector attorney authority or special legal powers. It remains a debt collection agency and must comply with the FDCPA regardless of the name used.
A debt collector generally cannot garnish your wages without first obtaining a court judgment. New York generally limits wage garnishment to 10% of gross wages, or 25% of disposable earnings minus 30 times the federal minimum wage, whichever is less, though exact figures can vary by circumstance.
Addressing ERS Resolution Group on Your Credit Report
If the debt is not yours, you generally have the right to dispute it with all three credit bureaus.
If the balance appears inaccurate, consider disputing it with supporting documentation.
If validation was requested and not provided, it is generally useful to reference the unanswered request in any dispute.
If the debt may be time-barred, keep in mind that New York’s 3-year statute of limitations is shorter than in many other states, so some debts that remain collectible elsewhere may already be time-barred in New York.
If considering pay-for-delete, any agreement to remove reporting as a condition of payment should generally be obtained in writing before payment is made, and is not guaranteed to be honored.
Inaccurate credit reporting may give rise to a separate claim under the FCRA. Learn more about your credit reporting rights.
How The Wood Firm PLLC Approaches These Matters
Conduct such as operating under a name like “ERS Law Group” in a way that implies legal authority, using multiple rotating phone numbers, or continuing contact after a cease-and-desist request may, depending on the facts, raise potential claims under the FDCPA, FCRA, or TCPA.
The Wood Firm PLLC has represented consumers exclusively in these types of matters since 2011 and has not represented creditors. Representation in qualifying matters is generally handled on a contingency basis, meaning a consumer typically pays nothing upfront. Learn about how we work for you and why clients choose us, or read the attorney profile.
Frequently Asked Questions About ERS Resolution Group
Who is ERS Resolution Group?
Public records describe a small New York debt collector LLC filed with the NY Department of State on November 21, 2019 (DOS #5659788), registered at 79 Roanoke Pkwy, Buffalo, NY 14210, with a BBB address of 3840 E Robinson Rd, Suite 320, Amherst, NY 14228. It is not BBB-accredited and carries a “Not Rated” BBB status.
Is ERS Resolution Group the same as ERS Law Group?
According to consumer reports, the same company sometimes operates under the name “ERS Law Group.” Public records show no indication it is a law firm. Depending on the facts, using a name that implies legal authority may raise concerns under the FDCPA’s prohibition against misrepresentation.
Is ERS Resolution Group the same as ER Solutions?
No. ER Solutions, now known as Convergent, is a larger Seattle-based agency. ERS Resolution Group appears to be a separate, smaller New York entity.
Why does ERS Resolution Group call from so many different numbers?
Consumer reports describe at least six phone numbers from multiple area codes, including New York, Utah, Minnesota, and toll-free lines. Using multiple numbers can sometimes make calls harder to trace, though there may be other explanations as well.
Can ERS Resolution Group sue me?
Potentially, if a debt is valid and within New York’s statute of limitations, generally 3 years for most consumer debts under the 2021 Consumer Credit Fairness Act. Collectors typically use outside attorneys to file any lawsuit.
Can they garnish my wages?
Only after obtaining a court judgment. A statement suggesting immediate garnishment without a court order may, depending on the facts, raise a separate issue.
How do I stop ERS Resolution Group from calling?
Consider a cease-and-desist letter sent by certified mail to both 3840 E Robinson Rd, Suite 320, Amherst, NY 14228, and 79 Roanoke Pkwy, Buffalo, NY 14210.
Can I raise a legal claim against ERS Resolution Group?
Depending on the facts, a consumer may be able to pursue an FDCPA claim, potentially including statutory damages and attorney fees. Use of the “ERS Law Group” name, if it implied legal authority, could be a relevant factor. Whether any claim applies, and what it may be worth, depends entirely on the specific facts, and no outcome is guaranteed.
