So many life essentials, like housing, transportation, and quality education are purchased on credit. This reality leaves so many people with debt loads that can become unmanageable if they lose their jobs or become disabled. Even if this happens, you have rights that prevent debt collectors from harassing you into paying.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to prevent third-party debt collectors from harassing financially insolvent consumers. It grants you the right to tell a collection agency to stop contacting you and sue the companies that subject you to the following types of mistreatment.
- Leaving voice messages that do not identify them as debt collectors
- Calling you at work after being asked to stop
- Using an autodialer to harass you by phone
- Failing to validate the debt on request
- Saying they will file a lawsuit against you when they have no intention of doing so
- Showing up at your house to intimidate you
Company Profile: Unifin, Inc.
If you are being called by Unifin, Inc., here is a more detailed company overview
Unifin, Inc. is a collection agency located in Springfield, Illinois. It was founded in 2011, has five employees on staff, and is managed by owner Ian Ivica Saric. A detailed examination of lawsuit records at the PACER website suggests that consumers who felt they were being harassed by Unifin, Inc. were not too intimidated to stand up for themselves.
Alleged Violations against Unifin, Inc.*
According to PACER, on or about April 9, 2018, Unifin, Inc. allegedly started calling a Florida consumer to collect a debt. He alleged that during a conversation on April 23, the company threatened to sue him, although no lawsuit ever transpired.
Feeling harassed by Unifin, Inc., the consumer hired legal counsel and sued the company for allegedly:
- Using unfair and unconscionable means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
- Using harassing and abusive means to collect a debt
- Threatening actions that could not legally be taken
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for Unifin, Inc. are:
If you see them on your caller ID, be warned that Unifin, Inc. is attempting to reach you. If they threaten lawsuits to intimidate you into paying, call their bluff by hiring a consumer lawyer and filing a claim against Unifin, Inc.
This preemptive move could result in you receiving $1,000 per violation of your rights plus compensation for reasonable attorney’s fees and court costs. When you stand up to an aggressive or deceptive debt collector, the law is on your side.
*Case taken from PACER (www.pacer.gov). File number is Case 3:18-cv-01057-BJD-JRK from the United States District Court for the Middle District of Florida, Jacksonville Division.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Unifin, Inc. or any other third-party collection agency, you may not be entitled to any compensation.