Aggressive debt collectors have been linked to suicide. They threaten, abuse, and intimidate until the person becomes truly desperate. If you are being harassed by a debt collector, don’t let them push you to this point. See a consumer attorney who can help you stop the abuse.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) provides you with certain rights that govern your interactions with a debt collector. You are protected from harassing actions like those below and can sue an agency that persists in using them on you.
● Calling at all hours of the day and night instead of within the legally approved time frame
● Contacting you even after you have retained a consumer attorney
● Leaving abusive messages on your voicemail
● Calling you at work after you tell them that you can’t take personal calls there
● Threatening to report the debt to the credit bureaus until it is paid
● Calling you a criminal for not paying a debt
Company Profile: United Mortgage & Loan Investment, LLC
If you are being called by United Mortgage & Loan Investment, LLC, an overview of the agency history and hierarchy are below.
United Mortgage & Loan Investment, LLC is a mortgage servicer and debt collection agency in Charlotte, North Carolina. It was established in 1978, has 115 employees, and is managed by its President, Arthur E. Kechijian. Digitized files at the PACER website indicate that consumers who believed that they were being harassed by United Mortgage & Loan Investment, LLC acted on their rights.
Alleged Violations against United Mortgage & Loan Investment, LLC*
According to information on the PACER website, on or around May 20, 2004, United Mortgage & Loan Investment, LLC notified a Pennsylvania consumer that they were currently servicing his mortgage debt and that they were “attempting to collect the debt owed because of default in payment.” The letter allegedly threatened foreclosure and did not identify the sender as a debt collector.
The consumer asserted that he had paid off the mortgage in 1999. He also retained an attorney, but the agency allegedly continued to send him correspondence directly.
Feeling harassed by United Mortgage & Loan Investment, LLC, the consumer hired a lawyer and sued the agency for:
● Using harassing and abusive means to collect a debt
● Using unfair and unconscionable means to collect a debt
● Using false, deceptive, and misleading means to collect a debt
● Threatening legal action it could not take
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
Their presence on your caller ID at any time means that United Mortgage & Loan Investment, LLC may be trying to collect a debt from you. If they demand that you pay a mortgage debt that has already been satisfied and persist in contacting you instead of your attorney, hire a consumer lawyer and file a claim against United Mortgage & Loan Investment, LLC. If your claim is successful, the agency will be ordered to compensate you and cover your legal fees, so you have everything to gain by being proactive.
*Case taken from PACER (www.pacer.gov). File number is Case 2:05-cv-01055-GEKP from the United States District Court for the Eastern District of Pennsylvania.
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 Mortgage & Loan Investment, LLC or any other third-party collection agency, you may not be entitled to any compensation.