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?
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 Collection Bureau, Inc. (UCB) Contact Information
Address:
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. Credit reports can contain errors or list debts that are no longer valid.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 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
Many collection agencies have numerous complaints filed 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with United Collection Bureau
Debt collectors must follow state and federal laws. For example, the FDCPA prohibits a debt collection agency from using abusive, unfair, or deceptive practices and ensures your rights are protected:
- 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. They have 30 days to prove the debt is yours and the amount is accurate.
- United Collection Bureau cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- United Collection Bureau 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 Collection Bureau cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove United Collection Bureau From Your Credit Report Today!
Credit Saint offers assistance with disputing United Collection Bureau 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.
