Enhanced Recovery Company Credit Card Debt in San Antonio, TX
Enhanced Recovery Company is collecting credit card debt in San Antonio. Average: $5,221. Texas SOL: 4 years. Garnishment: No wage garnishment for most debts.
Known Enhanced Recovery Company Violations
- • TCPA violations through auto-dialed calls
- • Reporting debts without proper investigation of disputes
- • Continuing collection on debts paid to original creditor
Dispute Strategies
- • Request debt validation under FDCPA § 1692g
- • Dispute billing errors under FCBA within 60 days
- • Check if debt exceeds statute of limitations
- • Negotiate settlement at 40-60% of balance
- • File CFPB complaint if collector violates FDCPA
Tips
- • ERC collects for AT&T, Comcast, and similar — get final bills from the carrier
- • Keep proof of equipment returns — ERC often collects bogus equipment charges
- • File FCC complaint if the underlying debt is telecom-related
- • Never acknowledge debt verbally — it can restart the SOL
- • Debt buyers often lack original documentation
- • Average SOL is 3-6 years depending on state