Who is United Collection Bureau?
United Collection Bureau, Inc. (UCB) is a professional debt collection agency based in Toledo, Ohio. UCB’s role involves assisting companies in recouping money owed to them by consumers.
If you find United Collection Bureau listed on your credit report as a collections account, it generally means that you have an unpaid debt which the original creditor has transferred to UCB for collection.
Who does United Collection Bureau collect for?
United Collection Bureau (UCB) provides debt collection for a variety of sectors. These include communications, financial services, government, healthcare, student loans, and utilities. Their work encompasses recovering unpaid bills, loans, fines, and fees on behalf of these industries.
Is United Collection Bureau legit or a scam?
United Collection Bureau is a legitimate debt collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect 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 United Collection Bureau 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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United Collection Bureau, Inc. (UCB) Contact Information
United Collection Bureau
5620 Southwyck Blvd
Toledo, OH 43614
Phone number: (866) 209-0622
Should I contact or pay United Collection Bureau?
Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.
The most effective way to deal with United Collection Bureau is to work with a credit repair professional. They help remove millions of negative items every year from companies like United Collection Bureau on behalf of their clients.
Will United Collection Bureau sue me or garnish my wages?
United Collection Bureau (UCB) is entitled to take legal actions, including filing a lawsuit, to collect unpaid debts. If a court judgment is made in their favor, they could potentially seek wage garnishment or other forms of payment enforcement.
However, remember that these steps are typically last resorts. Most debt collectors prefer to negotiate payment arrangements before proceeding to legal actions, as the latter can be time-consuming and expensive.
United Collection Bureau 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 you find yourself facing any of these situations with United Collection Bureau, you should also 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 United Collection Bureau
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collection agency 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 United Collection Bureau 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.
- United Collection Bureau may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- United Collection Bureau 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.
- United Collection Bureau cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove United Collection Bureau From Your Credit Report Today!
Credit Saint can assist you in disputing United Collection Bureau 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.
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