Has anyone heard of or dealt with ERS? They are calling stating they are a process server for the state of Texas and that if I do not contact them I will be served at my place of employment. I contacted them at 855-596-2702 and they indicated they were collecting on a payday loan from Riverside (also known as Evergreen) from Feb 2013. I did not take this payday loan, and the bank acct they claim it was made to was closed in Feb 2013. They refuse to give me any written validation of the debt, stating the original creditor had sent me numerous emails (the acct of the email they have was closed in 2013 as well!). The calls are nonstop threatening to serve the papers, and they call before 8:00 am.
I assume this is a scam? Just wanted to see if anyone else had dealt with them? I cannot find any legitimate information on any of the three company names they gave me - ERS, Riverside or Evergreen.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.