Who is USCB America?
USCB America, also known as USCB, Inc., is a debt collection agency and accounts receivable management firm based in Los Angeles, California. Their role is to recover money owed to their clients by consumers who have unpaid bills.
If you find USCB America listed on your credit report as a collections account, this typically indicates you have an outstanding debt which the original creditor has passed on to USCB for collection.
Who does USCB America collect for?
USCB America offers its debt collection services to a variety of clients. Primarily, they collect medical debt for some of the largest healthcare providers and hospitals across the United States, helping these institutions recover funds from unpaid medical bills.
Additionally, USCB America works with retail companies to collect payments for goods or services that haven’t been paid for. Banks also utilize their services for unpaid debts like credit card bills, loans, or other financial obligations. Furthermore, they collaborate with government municipalities to collect on debts such as unpaid taxes, fines, or utility bills.
Is USCB America legit or a scam?
USCB America is a legitimate debt collection 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 USCB America 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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USCB America Contact Information
Address:
USCB America
355 S. Grand Ave. 32nd Floor
Los Angeles, CA 90071
Mailing address:
USCB America
P.O. Box 74929
Los Angeles, CA 90004-9990
Phone number: (213) 387-6181
Should I contact or pay USCB America?
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 Credit reports can contain errors or list debts that are no longer valid.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 USCB America is to work with a credit repair professional. They help remove millions of negative items every year from companies like USCB America on behalf of their clients.
Will USCB America sue me or garnish my wages?
USCB America, as a debt collection agency, is entitled to pursue legal action to recover unpaid debts. This can potentially include filing a lawsuit against the debtor. If they obtain a court judgment in their favor, wage garnishment, bank account levies, or other forms of payment enforcement could be authorized by the court.
However, it’s important to note that lawsuits are typically considered a last resort. Most collection agencies, including USCB America, would rather work out a payment plan before escalating the situation to a lawsuit, as the legal process can be lengthy and costly.
USCB America 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, harassing phone calls, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with USCB America
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 USCB America 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.
- USCB America cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- USCB America 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.
- USCB America cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove USCB America From Your Credit Report Today!
Credit Saint offers assistance with disputing USCB America 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.
