ERC Expeditors Calling Me? Discover why they’re reaching out, what it means, and how to handle the call without stress or confusion.
Let me paint pictures for you: It’s Tuesday morning, I drink my lunch coffee while browsing via e-post, and suddenly turn on my phone. This is a number that I do not recognize. I let it go on the audio post. Ten minutes later — the same number. Hmm. Now I’m eager. Message?
“This is a conversation from ERC about an important business case. Call us back to your first feature.”First of all, I thought it could be spam. But I got better curiosity (and less important concern). So I did what most of us do, “I called ERC expenses.”
If you read it, there is a possibility that you are in the same boat as I was. Whether they have called you once or the dog the phone like a clamping, it can feel misleading, aggressive, and even a little scary — kind of like when your phone keeps going into SOS mode for no clear reason.
So let’s break it together. No jargon. No nervousness. Based on real experiences, only with the real answers to some hard-arranged advice I want someone to give me earlier.
Article Breakdown
Who is ERC Expeditors, really?
Basic
The increased recovery in ERC stands for the company, and not, they are not an exposed in shipping. The term “ERC Expeditors” is often used mutually with ERC loan collectors, but it is not their formal names. It just feels a little more official — maybe a little scary. This is probably conscious.
ERC is a third-party loan control agency. Their job? For example, to restore unpaid loans from companies:
- Credit card issuer (Capital One, Citibank, etc.)
- Telecom supplier (AT&T, Verizon)
- Usage companies
- Student loan service
- Medical billing companies
So if they call, they think you are giving money — or they think you are the person you do.
Why ERC Expeditors Calling Me?
Great question. I asked the same thing, panicked and wondered if I forgot to pay something or if someone stole my identity. The truth is: There are many reasons why they call, and all of them do not mean that you have done anything wrong.
- You sometimes pay a loan (possibly forgetting). It’s as simple as an old phone bill or credit card payment that slides through the crack. The loan is sold or passed together, and suddenly ERC calls you about it — even if it is a small amount year in advance.
Personal example: Many years ago I went to the apartment and forgot to interrupt an internet membership. Boom — $97.45 in unpaid fee, and ERC received the case after months.
- The wrong number or incorrect identity. Thinks whether or not, collection agencies often call crazy people. Phone numbers change hands. Data introduction failure occurs. And sometimes your number is just closed one point from someone else who is outstanding.
- They are looking for someone you know. This is a sneaker: Sometimes a loan collector calls you because you are listed as a reference, a relative, or even someone associated with the real debtor.
- It is a scam that uses the name ERC, which is really valid for each conversation that claims to be from ERC. Scammers often recreate real debt collectors and expect you to provide personal information or push you to pay fake loans.
Is ERC Expeditors a scam?
Let’s get it direct: ERC is a real company. They are located in Jacksonville, Florida, and have been for about 20 years. They are valid — but this does not mean that every call is real.
Here’s the difference:
| Red flag of a scam call | For a valid ERC can |
|---|---|
| Requires instant payment on the phone | Will offer written documentation of loans |
| Refuses to provide you with company info | If asked, the address and account will confirm |
| Aggressive or threatening | Can occur continuous but not derogatory (legal) |
| Asks for prepaid card, Zelle or crypto | Bank uses tracked payment methods like transfer |
Therefore, when you get that conversation, you breathe. Do not provide social security number or bank information immediately. Ask for confirmation.
What should I do when ERC calls me?
I know your first instinct can be to hang up. But if you actually pay the loan or not, you have rights and ways to react to the case.
Step 1: Stay calm and say very little
Do not confirm your name, your address or accept any loan. Just say something: “I don’t discuss these cases on the phone. Send me a written confirmation of the loan.”
Step 2: Request a confirmation letter
According to the Fair Debt Collection Practice Act (FDCPA), you can request proof of the loan they claim.
Legally, they must send you a letter:
- The amount outstanding
- As you are being rated
- Your rights to dispute this
They cannot expand collection activities until they do.
Step 3: Log every call and message
Keep record. Note the date, time, names of agents, and what was said. Screenshot voicemail or message. This paper trail can save your skin if things escalate — or if you need to contest the loan.
Step 4: If it is not yours, dispute the loan
Once you have received a confirmation letter, you have 30 days to contest it in writing.
- If this is not your debt, tell them.
- If the amount is incorrect, then challenge it.
You don’t have to accept anything blindly.
Can I stop ERC Expeditors Calling Me?
Yes. Here’s how to close it — legally and strongly.
Send a “cease and desist” letter
This is your golden ticket. Under FDCPA, when you ask a loan collector to stop contacting you in writing, they must comply and:
- Confirm they will not contact you again
- Inform you of legal actions
Important: Send the letter via Certified Mail with Return Receipt. It gives you evidence.
Sample line for the letter: “According to my rights under the Fair Debt Collection Practices Act, I ask that you stop all communication with me about this alleged loan.”
Need a full template? I can send one.
What will happen if I pay the loan?
So assume that after all the surveys you became aware that the loan is real. What now?
- Make a compromise: Most agencies will settle for less than the full amount, especially if the loan is old. Try: “I can pay 40% of it today if you write in writing to settle it in full.”
- Never pay without a written agreement: Before sending the payment, get a signed settlement proposal. This protects you from future claims.
- Don’t reopen old loans: See if the loan is outside the statute of limitations in your state. You may no longer owe it legally. But paying or even admitting the loan can restart the clock. Tricky, right?
Always check state rules or talk to a debt lawyer before paying anything.
Will ERC affect my credit report?
Yes — if the loan is valid and unpaid, ERC can report it to the credit bureaus as a collection account, which can:
- Reduce your credit score
- Stay on your report for 7 years
But here’s the catch: If you dispute or settle the debt, you can remove it or mark it as “paid in full.”
Pro tip: Once resolved, ask ERC to send you a letter stating that the debt is cleared and will not be pursued further.
Should I ignore ERC Expeditors Calling Me?
Short Answer: No.
Ignoring them won’t make them disappear — it can make things worse. Even if the debt is not yours, ignoring them can lead to:
- Constant harassment
- Credit damage
- Lawsuit (in rare cases)
It’s better to respond strategically — in writing and with confidence.
Real voices: You are not alone
What others have said online:
“They called me every day for two weeks until I finally sent a cease and desist letter. Haven’t heard from them since.” – Reddit user “ERC had the wrong person. Someone else’s debt. Took back and forth, but I cleared it. Just didn’t ignore it.” – Facebook group member “This was an old AT&T bill that I had forgotten. Settled it for half. Wasn’t fun, but it’s done.” – Quora user
Key Takings
- Calls from ERC Expeditors can feel heavy — like a cloud. But this is not the end of the world. You have tools. You have rights. And now, you have a plan.
- Whether it’s a case of wrong identity, a mistake, or a scam, the key is: Don’t panic. Don’t pay blindly. Don’t stay silent.
- With facts and confidence, you can handle it on your terms.
- And hey, if your phone rings again while you sip your morning coffee — you’ll know exactly what to do.
Additional Resources
IRS – Warning Signs of Employee Retention Credit Scams: Official IRS guidance on spotting ERC scams, verifying calls, and safely handling unsolicited contact.
ERC Today – How to Avoid an ERC Scam: Practical tips and seven steps to protect yourself from fraudulent ERC claim services.
