Enhanced Recovery Corporation

Dirtbag Debt Collector #2 – NCO

NCO is a dirt bag debt collector our of Pennsylvania. NCO is particularly fond of putting information on your credit report without verifying the information. [...]

Help Needed – Top Ten Dirt Bag Debt Collectors List

All, I am going to make a "Top Ten Dirt Bag Debt Collectors List" in the coming weeks and I need your help. Please submit your nominees in the comment [...]

FCRA Violation – Re-Aging and Zombie Debts

All, I wanted to alert you to credit phenomenons called, "re-aging" and Zombie Debt. First, re-aging is when the date of last activity or delinquency gets [...]

Validation of debt is Important

All, There seems to be several misconceptions about verification and validation of debts when dealing with a FDCPA and FCRA. When you ask for verification of [...]

What if You Are Getting Collection Cell Calls for Someone Else?

We have all received collection calls for someone else. Legally, what's the deal? The TCPA protects consumers against automated messages and predictive calls [...]