Who is United Resource Systems?
United Resource Systems, Inc. (URS) is a debt collection agency based in Lakewood, Colorado. They assist businesses in the recovery of outstanding debts.
If United Resource Systems appears on your credit report, it signifies that you have a debt that has been transferred to them for collection.
Who does United Resource Systems collect for?
United Resource Systems provides its collection services across several sectors. They collect debts on behalf of entities in the healthcare industry, government agencies, retail businesses, financial institutions, and commercial clients.
Is United Resource Systems legit or a scam?
Despite the sometimes persistent and repetitive nature of their communication methods, United Resource Systems is a legitimate debt collection agency. They utilize a variety of communication channels, such as phone calls, texts, and emails, to contact debtors regarding their outstanding debts.
How can I remove United Resource Systems 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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United Resource Systems, Inc. Contact Information
Address:
United Resource Systems, Inc.
3501 S Teller Street
Lakewood, CO 80235
Phone number: (800) 547-9054
Should I contact or pay United Resource Systems?
Before contacting a debt collector, 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 Credit reports can contain errors or list debts that are no longer valid.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 United Resource Systems is to work with a credit repair professional. They help remove millions of negative items every year from companies like United Resource Systems, Inc. on behalf of their clients.
Will United Resource Systems sue me or garnish my wages?
United Resource Systems (URS) has the legal right to sue you to recover the debt you owe. If they win the lawsuit and obtain a judgment against you, they may potentially have the ability to garnish your wages or seize funds from your bank accounts, depending on the laws of your specific state.
However, it’s important to note that litigation is often considered a last resort for debt collectors. It can be costly and time-consuming, so most collection agencies prefer to negotiate a payment plan or settle the debt outside of court.
United Resource Systems, 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 United Resource Systems, 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 United Resource Systems 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.
- United Resource Systems cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- United Resource Systems 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.
- United Resource Systems cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove United Resource Systems From Your Credit Report Today!
Credit Saint offers assistance with disputing United Resource Systems collection 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.
