Who is United Recovery Service?
United Recovery Service, LLC is a debt collection agency located in Lansing, Illinois. This collection agency is often confused with United Recovery Systems (which is now Alltran), but they are not the same.
If you have an account with them, it will likely be due to an unpaid bill, and this can lead to their name appearing on your credit report as a collections account
Who does United Recovery Service collect for?
United Recovery Service dedicates itself to recovering past-due debts for original creditors. This could encompass a wide range of debt types, from overdue credit card payments and loans to unpaid utility bills and more.
Is United Recovery Service legit or a scam?
United Recovery Service is a legitimate company. They are authorized to collect debts 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 Recovery Service 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 Recovery Service Contact Information
Address:
United Recovery Service
18525 Torrence Ave Ste C6
Lansing, IL 60438
Phone number: (708) 895-5300
Should I contact or pay United Recovery Service?
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 Credit reports can contain errors or list debts that are no longer valid.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 Recovery Service is to work with a credit repair professional. They help remove millions of negative items every year from companies like United Recovery Service on behalf of their clients.
Will United Recovery Service sue me or garnish my wages?
United Recovery Service can potentially sue debtors for unpaid debts. If they obtain a judgment against a debtor, they might have the legal right to garnish wages or take other actions to recover the owed amount. However, the specific tactics they employ will depend on various factors, including local regulations, the size of the debt, and the debtor’s financial circumstances.
United Recovery Service 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 Recovery Service
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 Recovery Service 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 Recovery Service cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- United Recovery Service 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 Recovery Service cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove United Recovery Service From Your Credit Report Today!
Credit Saint offers assistance with disputing United Recovery Service 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.
