Our goal is to maintain the respect and dignity of our clients' consumers while collecting on their accounts as quickly as possible and offering quality customer service.
Who Are We?
ERCI is located in Searcy, Arkansas. We provide recoveries for both Medical and Commercial creditors statewide. We have been servicing providers for over three decades with professional debt collection practices. We are accredited with an A+ rating with the Better Business Bureau. Our staff follows the Fair Debt Collections Practices Act, and we have the best collectors, management, and legal team available. Our Professional Debt Collection Services are proven to produce great results.
Why Choose Our Team
- We focus on collections only
- We are licensed with the Arkansas State Board of Collection Agencies and the American Collectors Association International
- We have the skip tracing tools necessary to locate consumers
- We have state-of-the-art collections software
- Our debt collection service is proven to work
- If we do not produce results in collections, you do not pay us
Competitive Collection Rates
We charge no upfront fees, and our collection rates are fair and negotiable.
Bad Address Research
All new business accounts received will be researched to obtain the most recent mailing address for a consumer.
Court ordered litigation is not the end of the bankruptcy process. If a Chapter 13 bankruptcy case is discovered, we will file a claim with the bankruptcy court on all accounts within the statute of limitations in an attempt to recover the debt.
Credit Bureau reporting is a very effective tool used by collectors to recover accounts. We allow clients the option to report consumer accounts to Trans Union, one of the major Credit Bureaus.
Our collectors have been professionally recovering bad debt accounts for many years and are officially trained by the American Collectors Association.
We have three attorneys on retainer who assist us with valuable legal counsel. After all of the appropriate collection efforts have been exhausted, we are ready to assist with litigation. Legal action will be recommended if the potential economic benefits outweighs the time and expense.
Locating people is our business. Not only do we utilize many skip tracing resources, we also have experienced Collectors and Skip Tracers who know how to use the tools and skills of the trade to find consumers.
Compliance and Privacy Protection
Our company works diligently to remain in compliance with all state and federal collections laws as well as the privacy act and HIPAA rules and regulations. Because laws are constantly changing, it is important to utilize a company that monitors and acts quickly on the changes.
As required by Arkansas Annotated Code Section 17-24-310, we are required as a licensed collection agency in the state of Arkansas to remit trust statements and checks to our clients within the calendar month following the month of collections.
Professional Debt Collection Services
We specialize in the collection of past due medical accounts; however, we also assist companies such as utilities, retail businesses, veterinarians, as well as many other commercial companies.
New Accounts Acknowledgement Reports
As soon as we receive bad debt accounts, we start the data entry process to begin working each individual account. Once the accounts are downloaded into our collection system, we provide each client with a new accounts acknowledgement report for their review.
Melissa Miller, Vice President & General Manager