Called By United Credit and Collections? Here’s What to Know

Falling behind on your monthly bills is an upsetting position to be in, especially if you’re dealing with a collection agency that is rude and aggressive. The good news is that even if you actually owe the money, you still have rights.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) prohibits the use of bullying, deceit, or harassment by any debt collector. Tactics like the following are prohibited and using them can result in penalties.

• Calling you before 8:00 a.m. and after 9:00 p.m.
• Contacting you after you have sent a cease and desist letter
• Using profane and obscene language
• Demanding amounts not supported by law
• Calling you at work
• Threatening legal action they have no intention of taking

Company Profile: United Credit and Collections

If you are being called by United Credit and Collections, here are some additional details about the agency.

United Credit and Collections is a debt collection agency in St. Charles, Missouri. It was founded in 1974, has six employees, and is managed by Al Nolan. Its website states, in part, “Our professionals offer comprehensive Credit Bureau reporting as well as skip trace analysis to locate the culprit, so you receive your payment.” Files at the PACER website show that consumers who believed that they were being harassed by United Credit and Collections did not yield and pay.

Alleged Violations against United Credit and Collections

According to PACER, on or around December 15, 2017, United Credit and Collections called a Florida consumer and left a voice message that allegedly did not identify the caller as a debt collector. This message was allegedly followed by another similar one on December 19.

Feeling harassed by United Credit and Collections, the consumer hired a lawyer and sued the company for:

• Using harassing means to collect a debt
• Failing to identify itself as a debt collector in the voice messages

The matter was later settled.

Hire a Consumer Lawyer

The phone numbers for this debt collection agency are:

• 1-636-946-8050
• 1-800-597-0945

If they pop up on your caller ID, be aware that United Credit and Collections is calling. If they leave vague voicemails that don’t reveal them as debt collectors, hire a consumer lawyer and file a claim against United Credit and Collections. You may be awarded $1,000 per FDCPA violation, which can add up. Awards like these tell debt collectors that when they go too far, penalties result.

Additional Resources

• Has a Debt Collector Called Early Morning or Late at Night?
• Has a Debt Collector Used Profane Language?

*Case taken from PACER (pacer.gov). File number is Case 0:18-cv-60008-WPD from the United States District Court for the Southern District of Florida.

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 Credit and Collections or any other third-party collection agency, you may not be entitled to any compensation.