Who is United We Collect?
United We Collect, Inc., also known as United Collection Service, is a debt collection agency based in Lake Mary, Florida. Their primary role is to manage and recover debts that individuals have not settled with their original creditors.
If you see United Collection Service on your credit report as a collections account, it typically indicates an unpaid debt that they’re trying to recover.
Who does United We Collect, Inc. collect for?
United We Collect is a third-party debt collector that primarily collects debt related to ambulance services, medical bills, financial institutions, and commercial entities. They operate across several states, including California, Florida, Georgia, New York, Pennsylvania, Tennessee, and Texas.
Is United We Collect legit or a scam?
United We Collect 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 We Collect 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 We Collect, Inc. / United Collection Service Contact Information
Address:
United Collection Service
106 Commerce St. Ste 101
Lake Mary, FL 32746
Phone number: (866) 456-4827
Should I contact or pay United We Collect?
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 Credit reports can contain errors or list debts that are no longer valid.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 United We Collect is to work with a credit repair professional. They help remove millions of negative items every year from companies like United We Collect on behalf of their clients.
Will United We Collect sue me or garnish my wages?
United We Collect, Inc. has the legal right to sue for unpaid debts. If a judgment is won against you, they may have the legal authority to garnish your wages or levy your bank account, depending on the laws of your specific state or jurisdiction.
However, it’s worth noting that lawsuits can be costly and time-consuming, so agencies often see them as a last resort. Instead, they are more likely to first attempt to negotiate a payment plan or a settlement with you.
United We Collect, 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 We Collect, 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 We Collect 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 We Collect, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- United We Collect 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 We Collect cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove United We Collect From Your Credit Report Today!
Credit Saint offers assistance with disputing United We Collect 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.
