Globalcom landline in Oak Brook, Illinois.
Associated with Enterprise Recovery Systems. Located at 2000 York Rd, Suite 125.

After reading all of these comments I felt the need to chime in.  I myself had lost track of my loans and received a call from a representative named Sarah Taylor.  She was empathetic with my situation and was extremely professional, which is quite rare in the collection world.  She helped me get my loans out of default without making a payment, through a program with the Department of Education which allowed me to place my loans into a deferment.  Student loans can be garnished, your taxes make be taken if they are not removed from a default status.  There are programs available out there to help you, not everyone is out to get you.

RH

there was a message left on my telephone answering machine.  A man said my name and it's regarding a university I attended long time ago.  I googled the phone number and it is from a debt collector called Enterprise Recovery Systems.  I don't owe anyone any money and I don't know why I received a call it.  I did not call back.

I got a call from this number, It was from ERS at 630-574-3113; I didn't answer but they left a voice mail saying they were leaving a message for a Colleen Russell, there is not, nor has there ever been anyone at my number by that name. They said it was imperative that she return the call which was in reference to the University of Minnesota.

They keep calling me on my cell phone asking for someone else.  It is a person that I do not know nor ever heard of.  I repeatedly tell the callers this and they still call me.  They call from other numbers too.  They will come up as a local number, but when they leave a message it is a toll-free number to call back.  When a message is left, it is usually very nasty or even threatening sounding.  They collect student loans.    I am in my fifties and never went to college so I obviously don't have any outstanding loans.

They keep calling me for a guy that had my number about four years ago.

Incompetent losers.

this is all very anecdotal and entirely dependent on your attitude towards them. I've been dealing with Craig Perkins at ers for over a year, paying off a student debt, and he's pleasant and professional. What a crappy job to have to deal with people who have no money to pay debts they legitimately owe.

I got a call to my mobile phone. No message. 8:56 AM

These people are like hydra, just after you get one off your back another one pops up to take the place of the last. I just received a call from them and I intend to fight. The best way to stop the harassment (which is illegal btw) is by knowing your rights. Look up the FDCPA (Fair Debt Collection Practices Act) and read about what they can and can't do--also make anyone calls you aware of what they can and cannot do as stated in the Act. After the 1st call they are required by law to validate your debt in writing. Also, if you request to be contacted solely in writing they have to comply. Great thing is if they feel you know your rights and let them know what you're doing (filing a complaint) they'll usually back off. If the harassment continues complain at the FCC's website and report them to the BBB.

I have received 6 calls to my home phone from this number.  They never leave a message and the times I have answered the call, they have hung up.  I called them back on my cell phone to see who it was.  I learned that they were calling a wrong number and asked them not to call my home anymore.  I got instant attitude from "Denise" and had to explain twice that I was not the person they were looking for.  Five minutes after that call, I received a call on my cell phone where they must have picked up from their caller ID - they hung up on me.  I called them back again and got "Denise" again, who thought it was pretty funny.  What an annoying moron.

Same ol' crap happening to me.

This number came up as "unknown caller" with the number 630-574-3113. I let it go to answering machine. They left no message. I may answer it next time just to find out what they want.

Same as above story they call leave no message you call them and they act like you are lying that they have a wrong number

I just got off the phone with Todd a supervisor from ERS and explained to him that I just got my new cell phone 2 days ago, and that no sooner had it been activated when I got my first call from 630-574-3113.

I told Told that I Googled the number and came across several pages full of nothing but horror stories of harassment by ERS, and that I was not going to tolerate it.

I asked Todd if it was true that they did collections of student loans which he confirmed, and informed Todd that I graduated college in 1984, and that I was on scholarships and a grant given to me by a local church.

And therefore did not have any debt when I left school.

Todd said that he removed my number from their call logs and that I should not be getting any further calls from them, and that if I do I was to call him back at his personal extension.

I told Todd that should I get contacted again my first call is to the State Attorney General in my state, and then to the one in his state (Illinois), and then the Better Business Bureau in both states.

Todd assured me that he took my name off the call logs.

Hopefully, that is the end of the story.

I am 22. I do owe my college some money. These people called me and threatened to sue if I do not pay. At first, I believed them and set up an payment to pay them almost $5000. After speaking to my dad and several people about it, I put my bank acct on hold and I called them back and had my bank acct information removed. Luckily, they did not remove any funds. Since then, they still call me and are very rude and condesending. I want to know if this company is legit.

They are Enterprise Recovery, be careful with them, I had paid off my account with the college, and called them to let them know. Then this lady  said I had to paid them instead otherwise it wouldnt be off my record for the next 30 days or so.  It was a lie, I had to close my account.  They were even charging two dollars more of what I owed.  DO NOT EVER GIVE THEM YOUR CHECKING ACCOUNT.
They are rude and they lie

Someone from this number keeps calling me and "breathing"!!!  They breathe about 4 times then hang up (and not just sitting there breathing if u know what I mean)....after reading these msgs I assume they are trying to accomplish two goals, 1) stay on the line long enough to verify they "reached" someone in case their boss is looking & 2) play out some stupid perverted fantasy.  I don't owe anyone any money but my heart goes out to anyone who does and that has to cross paths with these people!  They are pathetic!

Very rude people who have no desire to help loan get paid off. They just threaten according to a script. Ignore their calls and see if your school can help.

ERS callers nuts !! They call everyday asking for someone that does not exist at my business establishment and have told them more then a dozen times not to call but does it anyway!! Very annoyed!

Stop Calling

Already filed a report against them with the FTC. And lately, since I filed it, they haven't contacted me.

PDF LINK

http://www.wyckoff.com/ERS.pdf

OK everyone who posted.

Call or go online to the FTC - Federal Trade Commission - and file a complaint. Also with the FCC - Federal Communications Commission. Here's the link to the company PDF so you can fill out the forms. And to the poster who said these jokers threatened to have your child taken from you, call the FTC and find out if they suggest you call and file a police report.

Then all of you call your Congressman - the more of you the better - and complain about these tactics. That WILL get the feds looking into this company.

Good luck.

I get calls from these individuals a lot.
One time I answered, didn't ask who I was, what it was pertaining to, etc... And told me to pay up or they would make sure my newborn daughter was taken away from me.

One, I had already been talking to the college they were trying to supposedly collect for, and had already set in process what I needed to do, because the college made an error and I have all the paperwork to prove it.

Two, I hung up on that person, next one I answered and they cussed at me. I received another and was threatened with violence. None of these are legal practiced. Last one was a calm individual trying to be my friend and I told them right out that their practices were out of line and I would be filing complaints against the company.

They just called me a moment ago, but thankfully did not leave a message.


If this is a legit collection agency, they are doing it by underhanded and not legally accepted means.

I got a call from them today 3/31/2010 asking for a someone called himanshu, this person has gone to india probably to never come back , i wonder why they are calling me

I wouldn't put it past Sallie Mae. A year ago, though I paid on time, a bank holiday made the payment post late. They immediately sent my 75 year old grandmother a threatening letter because I lived with her while I went to college.

Anyway the problem with these collection calls is that they are used to the people who actually are in default lying to them. So they in turn treat everyone like they are lying. In a world where the bad people lie, these companies resort to shady practices themselves. It's a vicious cycle and innocent people pay the price. I wish they would see that.

Recieved a call on 2/6/2010 at 11:50am.  I answered & the woman proceeded to ask my name, confirm the last 4 digits of my social and name the previous college i attnede over 4 years ago without identifying herself.  She proceeded to tell me that I had a debt of over $3,000 since 2006 that had remained unpaid.  I told her this was the first time I had heard of such a debt & she proceeded to tell me that if i couldn't pay it in full on the spot that I had to make the paymetn in two installments and that I had to give her my bank account information.  When I told her I didn't know who she was & that I would like her to send me paperwork regarding her organization she got upset interrupting me and telling me that bill would have to be paid in full.  She kept talking over me so that I couldn't speak even after I kept saying "hello" into the phone.

They call me at the EXACT time each day through out the work week, but they don't say anything. I never hear anyone on the other line. They never ask for anyone. So while they sit there in silence annoying the s*** out of me because I'm trying to figure out who the f*** it is, I now know who I'm dealing with. So when I got a call from Enterprise Recovery Systems 5 minutes ago, I asked, "You again?! Why the f*** do you keep calling? I know you're f****ng there! Stop f****ng calling me!"
They hung up first this time. :D

Mutiple phone calls about an account that does not exist. They say I owe money from someone who never said I owed them money and that I could not in the first place because I was an employee there not someone with a payable account. I have sent certified return receipt letters saying stop calling and provide information. They provide nothing. They continue to call. I have kept complete documentation and if they keep on, I will sue. Honestly never sued anyone in my life and they probably count on that...but there is always a first time. They are scum-sucking b*****ds trying to prey on people who get freaked out by phone calls. They all need to be locked up for life.

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
        February