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Updated on Author: Contributing Author: Sergei Lemberg

Are You Being Called By United Obligations, LLC?*

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Are You Being Called By United Obligations, LLC?* Here’s What You Need to Know

Debt collectors can be pushy to the point of intimidation, but don’t let them bully you into paying anything you can’t afford or covering someone else’s debt if you never acted as guarantor. If they threaten you or attempt to humiliate you publicly, they’ve broken the law and you have grounds to sue.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, regulates what third party debt collectors may say and do while trying to collect a consumer debt. Bullying, threats, and deception are strictly prohibited. Examples of illegal activities include:

  • Swearing and calling you names
  • Calling at all hours of the day and night
  • Claiming that you have committed a crime and threatening to call the police on you if you don’t pay
  • Calling you at work after they’ve been advised that such calls are not allowed
  • Failing or refusing to identify themselves as debt collectors in every communication
  • Demanding amounts not supported by law or the original creditor agreement

Are You Being Called By United Obligations, LLC.?

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Company Profile: United Obligations, LLC

United Obligations, LLC is a debt collection agency located in Fairfield, Connecticut. It was established in 2007, has less than 10 employees, and is managed by its President, Marilyn Miller. Court files archived at the PACER (Public Access to Court Electronic Records) website indicate that consumers who believed they were being harassed by United Obligations, LLC have taken the company to court.

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Alleged Violations against United Obligations, LLC

Sharon A. See vs. United Obligations, LLC et al*

According to PACER, on or about March 14, 2005, United Obligations, LLC sent a collection letter to Connecticut resident Sharon A. See, seeking payment on a debt that a party named Anthony Delvecchio allegedly owed. Two weeks later, Ms. See’s attorney advised the agency via letter that she was not a ‘contact’ between Mr. Delvecchio and the original creditor, she disputed the debt as it referred to her, and she wanted her name removed as the “contact person.”

United Obligations, LLC sent a faxed response stating that Ms. See was a guarantor. Her attorney demanded written proof of the debt and Ms. See’s guarantee of the debt. When the attorney also warned of possible FDCPA claims if United Obligations, LLC continued their course of action, a representative named Paul J. Miller allegedly left a voicemail that stated, in part, “You want to go to court, Mike, and try to take me on? … Spare me some of this scare tactic crap, all right?”

Ms. See’s attorney made another request for validation of the debt. On April 1, 2005, Miller allegedly telephoned him and advised that he was going to sue Ms. See “for the debt of Anthony Delvecchio” because “she owns property and is a good suit.” Miller allegedly ended the conversation by hanging up.

On May 18 and June 7, 2006, United Obligations, LLC allegedly again contacted Ms. See at her home via letter, even though they knew she was represented by counsel. When her attorney sent a letter demanding that they stop, agency representatives allegedly called him and challenged him to file a lawsuit, stating they would counter-sue both the firm and Ms. See, “because she is a deadbeat.”

Feeling harassed by United Obligations, LLC, Ms. See sued the company for the following alleged FDCPA violations:

  • Contacting her directly when they knew she had a lawyer
  • Using harassing and abusive means to collect a debt
  • Using false, deceptive or misleading means to collect a debt
  • Misrepresenting the character, amount, or legal status of the debt
  • Threatening action that could not legally be taken
  • Using unfair and unconscionable means to collect a debt

The matter was later settled.

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Hire an Attorney

The phone numbers for United Obligations, LLC are:

If either number appears on your caller ID, be aware that you are being called by United Obligations, LLC. If they try to make you pay someone else’s debt and use demeaning, threatening language when you refuse, hire a consumer attorney. If you file a claim against United Obligations, LLC and win, the court could compel the company to pay you $1,000 per violation as well as attorney’s fees, court costs, and any actual damages. You have rights that zealous debt collectors ignore at their own risk.

*Case taken from PACER ( File number is Case 3:06-cv-01455-RNC from the United States District Court for the District of Connecticut.

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 Obligations, LLC or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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