Are you being called by United Commercial Collections, Inc.?* Here’s what you need to know
Debt collectors can be ruthless, acting without regard for your rights. This is because experience has taught them that most consumers, unfamiliar with their rights, will cave in and pay sooner or later. Don’t let the same thing happen to you.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, grants you the right to dispute a debt and tell third-party collection agencies to stop calling you or sending letters. It also prohibits the use of activities like those below when collecting or attempting to collect a debt.
- Asking you rude questions like why you don’t pay your bills
- Calling you at work after you tell them that you are not allowed to talk to them there
- Pretending to be attorneys, police officers, or federal agents
- Calling at unreasonable and inconvenient hours
- Reporting false information to the credit bureaus
- Use profane or obscene language
Company Profile: United Commercial Collections, Inc.
If you are being called by United Commercial Collections, Inc., information about the company is below.
United Commercial Collections, Inc. is a debt collection company located in Buffalo, New York. It was established in 1997, has 20 employees, and is managed by its President, Vincent Burgio. A review of digitized legal records at the PACER (Public Access to Court Electronic Records) website indicates that consumers who believed that they were being harassed by United Commercial Collections, Inc. pushed back by filing lawsuits.
Alleged Violations against United Commercial Collections, Inc.
Phelix Lamphear vs. United Commercial Collections, Inc.*
According to PACER, on or about September 26, 2005, United Commercial Collections, Inc sent Wisconsin resident Phelix Lamphear a collection letter regarding a medical debt. It was followed by another letter in November, this one stating, “We now have documents in hand with instructions to our attorney in your area to proceed in the protection of the client’s best interest. Within (48) forty-eight hours, these papers will be forwarded on a priority basis to said attorney.”
Feeling harassed by United Commercial Collections, Inc., Mr. Lamphear hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If either number appears on your caller ID when the phone rings day or night, it means that you are being called by United Commercial Collections, Inc.. If they try to alarm you by suggesting that your case has reached the litigation state when it actually has not, hire a consumer attorney. If you file a claim United Commercial Collections, Inc. for harassing you, you could be awarded $1,000 per FDCPA violation plus legal costs. When a debt collector violates your rights, it can cost them- a lot.
*Case taken from PACER (www.pacer.gov). File number is Case 2:06-cv-00439-JPS from the United States District Court for the Eastern District of Wisconsin, Milwaukee 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 United Commercial Collections, Inc. or any other third-party collection agency, you may not be entitled to any compensation.