Universal Collection Services

Is Universal Collection Services hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Universal Collection Services?

Universal Collection Services, Inc. (UCS), also known as Universal Envoy Corporation, is a debt collection agency based in Catonsville, Maryland. They work on behalf of creditors to collect unpaid debts.

If you see UCS listed on your credit report, it likely means that you have an unpaid bill that has been transferred to them for collection.

Who does Universal Collection Services collect for?

Universal Collection Services works primarily with medical practices and facilities, helping them collect unpaid debts from patients. In addition to healthcare organizations, they also provide collection services to other businesses across different sectors.

Is Universal Collection Services legit or a scam?

Universal Collection Services is a legitimate company. They are legally authorized to collect debts on behalf of their clients. However, they may engage in persistent communication attempts, such as frequent phone calls, text messages, or emails, to collect the debt.

How can I remove Universal Collection 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.)

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with 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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Universal Collection Services Contact Information


Universal Collection Services
5707 Calverton St. Ste 2A
Catonsville, MD 21228

Phone number: (410) 719-7802

Should I contact or pay Universal Collection Services?

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 Universal Collection Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Universal Collection Services on behalf of their clients.

Will Universal Collection Services sue me or garnish my wages?

Universal Collection Services, like any other debt collection agency, has the legal right to sue you for unpaid debts. If they win a lawsuit against you, they can obtain a court judgment. This judgment, depending on the laws of your specific state, may enable them to garnish your wages or use other collection methods, such as levying your bank account or placing a lien on your property.

However, not all debt collection agencies will choose to sue or garnish wages for every debt. The decision to take legal action often depends on various factors, including the size of the debt, the potential cost of litigation, and the likelihood of successfully collecting the debt.

Universal Collection Services 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 Universal Collection Services, 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 Universal Collection Services

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 Universal Collection 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.
  • Universal Collection Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Universal Collection 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.
  • Universal Collection Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Universal Collection Services From Your Credit Report Today!

Lexington Law can assist you in disputing UCS collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.