Who is USI Solutions?
USI Solutions, Inc. is a debt collection agency based in Bristol, Pennsylvania. They specialize in collecting outstanding debts on behalf of their clients.
If you have unpaid debts that have been assigned or sold to USI Solutions, you might see them listed on your credit report as a collections account. This could occur if you haven’t paid a bill, and the account was then transferred to USI Solutions for collections.
Who does USI Solutions collect for?
USI Solutions mainly provides its debt collection services for credit card issuers. This means that if you have an unpaid credit card balance and your account has gone into default, your debt might be sold or assigned to USI Solutions for collections.
Is USI Solutions legit or a scam?
USI Solutions is indeed a legitimate company, not a scam. They are required to follow federal and state laws that regulate the practices of debt collection agencies. However, their collection methods, which can include frequent calls, texts, and emails, might feel intrusive or overwhelming to some individuals.
How can I remove USI Solutions from my credit report?
USI Solutions 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.
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.
USI Solutions, Inc. Contact Information
USI Solutions, Inc.
408 Mill St.
Bristol, PA 19007
Phone number: (877) 201-0618
Should I contact or pay USI Solutions, 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 USI Solutions is to work with a credit repair professional. They help remove millions of negative items every year from companies like USI Solutions, Inc. on behalf of their clients.
Will USI Solutions, Inc. sue me or garnish my wages?
Like most debt collection agencies, USI Solutions, Inc. does have the legal right to sue you for an unpaid debt. If they win a lawsuit against you, they could potentially receive a court order allowing them to garnish your wages or levy your bank account to collect the debt.
However, wage garnishment is generally a last resort and involves numerous steps. Laws and procedures regarding wage garnishment vary significantly by state and by type of debt. Also, certain types of income, such as Social Security or disability payments, may be exempt from garnishment.
USI Solutions, 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 USI Solutions, Inc.
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 USI Solutions 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.
- USI Solutions may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- USI Solutions 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.
- USI Solutions cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove USI Solutions From Your Credit Report Today!
Lexington Law can assist you in disputing USI Solutions 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.
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