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Re: ER Solutions collection agency

I had friends who told me several years ago that these heartless, greedy collection agencies just phish (to use an email term) information and will take a chance that someone will pay the bill since it is from a collection agency.

As I mentioned in an earlier post, I was getting these from an agency and the original creditor was someone with whom I never dealt. I sent a letter to the collection agency and have not heard anything back.

Biggest question here is – DID YOU GIVE ANY PERSONAL INFO LIKE YOUR SS#?

If you did not, breathe easy and be angry. If you did, contact the authorities and see if it is a legit company. There are many similar scams.

Now, to the other piece. I would not bet they would return a dime had you actually sent the money. That is also a scam used by collection agencies. However, you have a legal right to send a letter demanding they prove you owe the debt. That usually scares them off right away.

I once had a big fight with Bellsouth over what turned out to be my bill, but they had a hard time convincing me. That sounds like Cablevision Morris. They’re my cable company and I have nothing nice to say about them. All screwed up in their office too.

No, I didn’t give them any info. Her first question to me was “what is your phone number” Hah! If she only knew what I just went through with IC Systems to stop them from calling me! I said you don’t have it and I am not giving it to you.

I know it is not my debt. Thank God! But I feel for all the other people with similar names that may send them a check. What a scam! Is it legal to just send mass mailings without the absolute correct info on the person owing the debt??

ER Solutions (now Convergent) is a legit company, and like any third party creditor, they are typically less than personable. I joined this group to try and answer questions that I may be able to. My name is Mike and I work in the debt settlement industry….

Hello all, and please feel free to ask any questions that you might want assistance with.

I have a question for you… Do you believe there should be a law that debt collectors need to inform people that they are charging interest and what amount that interest is? I did not know a thing about debt collectors when I was contacted by one 2 years ago. I didn’t know one should ask a lot of questions before making any payment arrangments. I didn’t even know they could charge interest !

I could not pay the balance they asked for so set up monthly payments. They said they were going to send me a satement every month which they failed to do. I got suspicious and starting asking questiosn which they refused to answer. Finally after sending this agency a total of $1700 I get a response from them “oh, you’re not getting out of debt, you are getting farther in debt. It was quite devastating to find out the $1700 did not affect my balance at all as far as reducing the debt. I was getting deeper in debt with this agency. They knew when I agreed to these monthly payments what was going on. I think it was not only unethical to not tell me , it was downright dishonest.

I hope I will never have any contact with a collection agency again. If I have that misfortune, they can take me to court. None of them will ever get another dime from me. I would much rather deal with a judge.

ER Solutions collection agency


I need your help again!

I want to know if I am maybe overreacting and getting myself in a huff over nothing.

I received a letter addressed to me except there was one letter off of my real name.

My name is Alex Jin…the letter was addressed to Alex Jins, same address as mine, so I opened it.

It is from a collection agency. I immediately thought I may have had forgotten to pay a bill and it went to collections. It said I owed $305.55 but they would settle for $155.28

Upon further reading, the original creditor was a cable company called Cablevision Morris. I have never lived anywhere except Essex County NJ. There is a Morris County in Jersey but I never lived there.

I knew this was not my bill. So I called the 800 number and asked for the person listed on the letter. He was not in so explaned to the young lady that my name was Jin and not Jins and I received a letter asking me to submit $155.28. She asked me if my social ended in **** I said no, it did not. She said, okay, just throw it away. I wanted more of an explanation. I said if I had been an elderly person or a person under a lot of stress because of bill collectors and I sent in the money on a bill that did not belong to me, would they return it? She said yes! How on earth do they know I am the right person? What if they mass mailed out bills to all the Alex Jin’s/ Jins’ or whatever’s and they received multiple checks? There is no place on the bill asking to confirm a SS# or any other way of knowing that the check was actually from the right person. See my point? Also, what if someone is using my name and a different SS#?

Isn’t that something I should look into? She was very rude and hung up on me so I called her back. She transferred me to another lady and she wanted to know what my problem was and why was I harassing them!!! I wanted their main number in Washington State so she gave me a bogus phone number. I called her back and asked for a real number, she said I had to call information and get the number. I did get the number from information, but no one answered the phone. Should I just drop it?

Thanks in advance.