Unique Management Services

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Is Unique Management Services hurting your credit score?

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Who is Unique Management Services, Inc.?

Unique Management Services, Inc. is a debt collection agency located in Jeffersonville, Indiana. Their primary role is to recover overdue debts from individuals, which can range from unpaid fines to service fees.

If you’ve neglected to return a library book for an extended period, or have an accumulation of fines, this may be reflected as a collections account on your credit report by Unique Management Services.

Who does Unique Management Services collect for?

Unique Management Services primarily collects for libraries. Their focus is on helping libraries recover overdue materials and unpaid fines. They work with libraries of all sizes, from local community libraries to large metropolitan library systems, ensuring that borrowed items are returned and that any associated late fines are paid.

Is Unique Management Services legit or a scam?

Unique Management Services is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Unique Management Services from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Unique Management Services, Inc. Contact Information

Address:

Unique Management Services, Inc.
119 E Maple St.
Jeffersonville, IN 47130

Phone number: (800) 879-5453

Should I contact or pay Unique Management Services, Inc.?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Unique Management Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Unique Management Services, Inc. on behalf of their clients.

Will Unique Management Services, Inc. sue me or garnish my wages?

Unique Management Services, Inc. is entitled to use various methods to collect the money owed to them, which can include legal action or wage garnishment. However, it’s worth noting that Unique Management Services works primarily with libraries to recover overdue materials and unpaid fines. So, the scale of the debts involved are usually relatively small compared to other types of debt, such as credit card debt or medical bills.

Because of the nature of the debts they collect, it is less common for Unique Management Services to resort to wage garnishment or legal suits.

Unique Management Services, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Unique Management Services, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Unique Management Services to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • Unique Management Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Unique Management Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Unique Management Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Unique Management Services From Your Credit Report Today!

Credit Saint can help you dispute Unique Management Services accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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