Jun 4, 2010
Its ER Solutions, Inc... A Debt Collector
I had an old gas bill they bought, and I paid it off in March, yet they called me again today June 4th to tell me I have a outstanding balance with them.
I talked with Josh also.
He told me they don't send out letters, they just call.
I also informed them that they are in violation of "THE FAIR DEBT COLLECTION PRACTICES ACT" by calling before 8:00 in the morning, and was told that because I have a phone number from a different time zone, that its ok, even though my address on file is correct.
805. Communication in connection with debt collection
(a) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the
consumer given directly to the debt collector or the express permission of a court of competent
jurisdiction, a debt collector may not communicate with a consumer in connection with the
collection of any debt—
(1) at any unusual time or place or a time or place known or which should be known to be
inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a
debt collector shall assume that the convenient time for communicating with a consumer is
after 8 o’clock antimeridian and before 9 o’clock postmeridian, local time at the consumer’s
location;