Being chased by debt collectors can take a serious toll on your physical and mental well-being. Many collectors receive a commission on what they collect, so they don’t hesitate to cross the line between legal contact and outright harassment. If this happens to you, you have grounds to fight back.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to protect consumers from unethical debt collection practices and regulate third-party debt collector conduct. It prohibits methods like the following when used to settle a debt.
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m. in your time zone
- Using an autodialer to leave a series of pre-recorded messages
- Threatening legal actions that they have no intention of taking
- Using profane or obscene language
- Ignoring you when you dispute the debt and tell them not to call again
- Discussing the debt with anyone but you, your spouse, or your attorney
Company Profile: Unifund CCR, LLC
If you are being called by Unifund CCR, LLC, information about the company is below.
Unifund CCR, LLC, is a collection agency located in Cincinnati, Ohio. It was established in 2011, has 100 employees, and is managed by its CEO, David G. Rosenberg. The company website indicates that it focuses exclusively on collecting debt for the insurance industry.
Records on file at the PACER (Public Access to Court Electronic Records) website confirm that people who felt they were being harassed by Unifund CCR, LLC sued the company for compensation.
Alleged Violations against Unifund CCR, LLC
According to PACER, on or about May 6, 2014, Unifund CCR, LLC filed a complaint against an Illinois man to collect a Citibank debt for $32,129.21.
The following June the man received a letter from Unifund CCR, LLC demanding a balance of $47,543.02 payable to “PILOT RECEIVABLES MANAGEMENT, LLC.”
Confused and feeling harassed by Unifund CCR, LLC, he hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Misrepresenting the character, amount or legal status of a debt
- Using unfair or unconscionable means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for this collection agency are as follows:
If any of these numbers appear on your caller ID, be aware you are being called by Unifund CCR, LLC. If they send you letters demanding inconsistent payment amounts, hire a consumer attorney.
If you file a claim against Unifund CCR, LLC with your attorney’s help, you could potentially win $1,000 per violation as well as court costs and reasonable attorney fees. Even if you actually owe money, misrepresenting the amount is a mistake on a collector’s part.
- Has a Debt Collector Used Profane Language?
- How to Stop a Debt Collector from Calling You Repeatedly
*Case taken from PACER (pacer.gov). File number is Case: 1:14-cv-04062 from the United States District Court for the Northern District of Illinois, Eastern 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 Unifund CCR, LLC, or any other third-party collection agency, you may not be entitled to any compensation.