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 remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
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Unique Management Services, Inc. Contact Information
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.?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
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
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Unique Management Services, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Unique Management Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Unique Management Services must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Unique Management Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Unique Management Services From Your Credit Report Today!
Credit Saint can assist you in disputing Unique Management Services accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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