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By Contributing Author: Sergei Lemberg Updated on

Are You Being Called By USI Solutions, Inc.?*

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The debt collection industry is thriving because recent times have seen more people unemployed and unable to pay their bills. Many of them have to choose between paying their rent or their credit card bill.

If a collection agency harasses you during such a difficult time, be aware that you have rights prohibiting such treatment.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, became law over 40 years ago. It was passed at a time when debt collectors were bullying people into bankruptcy. Today, it prohibits collection actions like those below and allows you to take legal action against agencies that use them.

  • Failing to send a debt validation letter within five days of contacting you
  • Using profane and obscene language
  • Telling you that not paying a debt is a crime
  • Telling your friends and family that you owe money
  • Calling at work although such calls are not allowed
  • Demanding payment for a debt discharged in bankruptcy

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Company Profile: USI Solutions, Inc.

If you are being called by USI Solutions, Inc., more information about this agency is below.

USI Solutions, Inc. is a debt collection agency located in Bristol, Pennsylvania. It was established in 2013, has 27 employees, and is managed by its President, Mary Weil. The company has a rating of B with the Better Business Bureau due to 17 complaint(s) filed against it.

Legal records at the PACER website indicate that consumers who felt they were being harassed by USI Solutions, Inc. responded by suing the agency.

Are You Being Called By USI Solutions, Inc.?*

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Alleged Violations against USI Solutions, Inc.

According to PACER, on or around June 3, 2016, an agent of USI Solutions, Inc. sent a collection letter to an Illinois consumer regarding a private student loan that became delinquent in 2006. It stated, in part:

Because of the age of your debt, USI SOLUTIONS, INC. will not sue you for it. If you do not pay the debt, USI SOLUTIONS, INC. may report it …. as unpaid.

The consumer felt that threats to take negative action belied the statement about not intending to sue him. The agency also could not file a delinquent credit report regarding the debt at issue because no such report can be made once seven years have passed from the date of last activity.

Feeling harassed by USI Solutions, Inc., the consumer filed an FDCPA lawsuit against the company for allegedly:

  • Using unfair and unconscionable means to collect a debt
  • Using false, deceptive, and misleading means to collect a debt

The matter was later settled.

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Hire a Consumer Lawyer

The phone numbers for USI Solutions, Inc. are:

If they appear on your caller ID, it means that USI Solutions, Inc. is trying to reach you. If they try to compel you to pay a time-barred debt, take action by hiring a consumer lawyer and filing a claim against USI Solutions, Inc.

You could receive $1000 per FDCPA violation, which compensates you and reminds the debt collector that the FDCPA is in place for a reason.

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Additional Resources

Case taken from PACER ( File number is Case: 1:17-cv-03740 from the United States District Court for the Northern District of Illinois, Eastern 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 USI Solutions, Inc., 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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