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?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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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 Credit reports can contain errors or list debts that are no longer valid.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 offers assistance with disputing Unique Management Services accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
