If you lose your job and can no longer pay your credit card bills, the card issuer may turn your accounts over to a collection agency. These agencies are known for taking extreme measures to collect debts: they harass you by phone, send letters threatening lawsuits, and more.
If this happens to you, it is important to know your rights.
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to prevent third-party debt collectors from driving people to bankruptcy. It regulates collection agency conduct and prohibits collection tactics like those below to pressure you into paying a debt.
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
- Discussing the debt with your family, friends, and co-workers
- Claiming that you have committed a crime and threatening to call the police on you if you don’t pay
- Using profane or obscene language
- Calling you at work after you’ve told them that your employer doesn’t allow such calls
- Threatening to ruin your credit if you don’t pay
Company Profile: United Financial Services, LLC
If you are being called by United Financial Services, LLC, information about the company is below.
United Financial Services, LLC is a debt collection law office located in Atlanta, Georgia. It was established in 2013, has less than 10 employees, and has been the subject of frequent complaints on sites such as Rip Off Report.
According to litigation records archived at the PACER (Public Access to Court Electronic Records) website, consumers who believed they were being harassed by United Financial Services, LLC filed lawsuits to deal with the matter.
![Are You Being Called By United Financial Services, LLC?*]()
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Alleged Violations against United Financial Services, LLC
According to PACER, in or around October 2013 United Financial Services, LLC allegedly started trying to collect a debt from a New York woman. She later complained that collectors threatened her with imprisonment if she didn’t pay and revealed the debt to her friends and neighbors.
Feeling harassed by United Financial Services, LLC, she hired a consumer lawyer and sued the firm for allegedly violating the FDCPA in the following ways:
- Using false, deceptive, and misleading means to collect a debt
- Using harassing and abusive means to collect a debt
- Using unfair and unconscionable means to collect a debt
The plaintiff was awarded $500.00 in statutory damages for defendants’ violations of the FDCPA.
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Hire a Lawyer
The phone number for this collection agency is 1-678-292-6773. If you see it on your caller ID when the phone rings, it means that you are being called by United Financial Services, LLC. If they discuss your alleged debt with third parties and tell you that you can be sent to jail if you don’t pay up, hire a consumer lawyer.
If you decide file a claim against United Financial Services, LLC with your lawyer’s help, you may potentially receive $1,000 per FDCPA violation. When a debt collector goes too far, see a lawyer and assert your rights.
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Additional Resources
Case taken from PACER (pacer.gov). File number is Case 1:14-cv-00148-JTC from the United States District Court for the Western District of New York.
*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 Financial Services, LLC, or any other third-party collection agency, you may not be entitled to any compensation.