Surveys have shown that very few adult Americans do not carry some kind of debt load these days. This makes it potentially catastrophic if you lose your job, become divorced, or experience another setback that can prevent you from making your minimum monthly payments.
If debt collectors try to make the matters worse, don’t let them. No matter what they try to tell you, you can fight back.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) protects consumers from unfair and unethical debt collection practices. It takes punitive action against third-party debt collectors that try to apply the following strategies to collect a debt.
- Shouting and using profanities
- Demanding amounts that exceed the original debt total
- Contacting you at work after learning that the employer does not permit such calls
- Pretending to be attorneys, police officers, or federal agents
- Contacting you after you have formally requested that all communications cease
- Failing to validate the debt on request
- Making misleading remarks about the impact on her credit
- Using false, deceptive, and misleading means to collect a debt
Company Profile: Unique Management Services, Inc.
If you are being called by Unique Management Services, Inc., more company details are below.
Unique Management Services, Inc., which also does business as Unique National Collections, is a collection agency located in Jeffersonville, Indiana, with branch offices in Canada, the UK, Australia, and New Zealand. It was established in 1994, has a large workforce across multiple locations, and is managed by President and CEO, Nicole Atkins.
According to the company website, it partners exclusively with libraries to recover materials, fines, and fees. Litigation records at the PACER website indicate that consumers who felt they were being harassed by Unique Management Services, Inc. went to court to protect their rights.
Alleged Violations against Unique Management Services, Inc.*
According to PACER, on or about June 9, 2014, and July 28, 2014, Unique Management Services, Inc. sent collection letters to an Indiana consumer. She complained that her account information was visible through a glassine window on the envelope and that the letter itself suggested that nonpayment could leave her credit damaged.
Feeling harassed by Unique Management Services, Inc., the consumer reviewed her options and eventually sued the company for these alleged violations of the FDCPA:
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for Unique Management Services, Inc. are:
Their appearance on your caller ID indicates that Unique Management Services, Inc. is trying to collect a debt from you.
If they make your account information available and make statements that appear to be designed to compel faster payment, hire a consumer lawyer and file a claim against Unique Management Services, Inc.
You could be awarded $1,000 per FDCPA violation, so don’t ever be persuaded that you have no rights.
*Case taken from PACER (www.pacer.gov). File number is Case 1:15-cv-00901-SEB-DKL from the United States District Court for the Southern District of Indiana.
*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 Unique Management Services, Inc. or any other third-party collection agency, you may not be entitled to any compensation.