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Your Debt Collector May Soon Be a Computer



When negotiating with a debt collector, you’re usually talking to another human being. That may not be the case next time, and you may actually like it that way.


Experian recently announced a self-service platform called eResolve aimed at allowing consumers to resolve their debt obligations without ever having to speak to another human being. While it may seem odd, it could provide a number of advantages. For starters, it largely, if not entirely removes the common issue of having to deal with debt harassment, which often includes threats that are illegal. Unlike humans, computers have infinite patience. A debt negotiation can become an uncomfortably tense situation which may cause a debt collector to run afoul of the Fair Debt Collections Practices Act. With a computer, the “conversation” remains civil at all times.


With a service like eResolve, a collection agency or lender will contact the debtor to inform them of the money owed. During this time, a link to a website will also be provided. After entering their unique reference number, the debtor is presented with a multitude of options in regards to repayment as determined by the lender. For example, the debtor may receive an email where they can agree to make a certain amount of payments with zero interest.


If you are dealing with debt harassment such as threats, remember that you have rights. Give us a call today.


This information is provided by Miami bankruptcy lawyer Alonso, Perez & Santos, LLP. Our areas of practice include bankruptcy, insurance litigation, debt harassment, credit card defense, foreclosure defense, immigration law, condominium law, business start-ups, and more. Call 305-676-7545 to speak with a Miami insurance attorney or bankruptcy attorney and receive a free consultation. We look forward to working with you.


This information is provided for educational or informational purposes only and should not be construed as legal advice. The information is not provided in the course of an attorney-client relationship and is not intended to substitute for legal advice.