George Simons | October 19, 2022
Summary: United Collection Bureau is a third-party debt collection agency, which means other companies and financial institutions hire it to collect on their accounts that have become delinquent. If you are being sued by UCB for a debt you owe, you have up to 35 days to respond before you automatically lose. Use SoloSuit to respond to your lawsuit against UCB in just 15 minutes.
Have you gotten calls or letters from United Collection Bureau Inc. (UCB) claiming you owe them money? If you're feeling confused, overwhelmed, or scared by the idea of a debt collector coming after you, you're not alone. Debt collectors often use very persistent, intimidating methods and messages in the hopes of collecting debt.
You probably have a lot going on in your life, and it may seem like the best option is to ignore calls and letters from UCB, wishing they will just go away and forget about you. But the truth is, they won't, and things will only get worse for you. It's far better to deal with the demands from UCB right away.
In this article, we'll discuss everything you need to know about UCB Inc, how to respond when they first contact you, and how to beat them in a debt collection lawsuit.
Let's get right to it.
UCB is United Collection Bureau, Inc., based in Toledo, Ohio. They are a massive national collection agency that serves as a third-party debt collector for clients in government, healthcare, utilities, financial services, communications, student loan services, and other areas. So, if you owe money to any companies in these fields, chances are they may hand the matter over to UCB to collect that debt from you.
If you've never heard of UCB before, that doesn't mean you don't owe money. You can reach out to UCB debt collectors to get more information about the debt they are trying to collect. Here is UCB's contact information:
United Collection Bureau, Inc. (UCB)
5620 Southwyck Blvd.
Toledo, OH 43614
If you're doubting how legitimate a company UCB is, we can assure you it is as legitimate as debt collectors come (though that's a very reasonable question to ask). UCB has in fact been accredited by the Better Business Bureau (BBB) since 2013 and currently has an A+ rating.
However, a good rating with the BBB doesn't mean there aren't complaints about their collecting practices. Anyone can read the reviews on the BBB website to see what other people experienced when UCB came knocking on their door asking for payment.
A good rating also doesn't mean that plenty of people haven't accused UCB of violating the Fair Debt Collection Practices Act, a federal law that regulates what third-party debt collectors can and cannot do when attempting to collect payments. The FDCPA was designed to protect you, so it's in your best interest to get to know what a violation of this law could look like.
If you feel like UCBinc has harassed you, you're not alone.
As of 2022, the BBB has received 166 complaints against United Collection Bureau in the most recent three-year period. Similarly, the Consumer Financial Protection Bureau reported 289 complaints over the last ten years.
UCB has an average Google rating of 1.5 out of 5 stars based on more than 100 Google reviews.
These complaints mention bad debt collection practices at the hands of UCB. Many of these stories suggest possible violations of the Fair Debt Collection Practice Act (FDCPA). Here are some examples of UCB's questionable debt collection methods:
Let's take a closer look at a real complaint from the UCB's BBB profile:
“My account was turned over to UCB from a hospital for a surgery performed December 2021. A representative from UCB reached out to me via phone to settle my account in monthly installments. I agreed to a specific amount and a date each month for the funds to be auto-withdrawn from my account. 2-3 months later, I have yet to see any funds come out of my account. I have contacted the collections agency on numerous occasions via email and voicemail with no result. If this company isn't going to adhere to our mutual agreement, I'd like my account withdrawn from their collections. I don't want this going on my credit report because the collections agency isn't doing their job.”
If any of these debt collection tactics sound familiar to you in connection with United Collection Bureau, you should learn more about your rights under the Fair Debt Collection Practices Act. and how to protect yourself from debt collectors who violate it.
Educate yourself on the Fair Debt Collection Practices Act (FDCPA) and what actions by UCB could be violations of this law. Predatory and high-pressure tactics by debt collectors are designed to take advantage of people who are caught off-guard, scared, and uniformed. That's not you! You're prepared to face them head-on, and even turn the legal tables if they have broken the law.
Here are some common ways that many debt collection agencies violate the FDCPA:
So, you've started hearing from UCB, and they are insisting you owe their client money. Sounds about as fun as getting a root canal. But the good news is that facing these claims does not have to be as painful as dental procedures.
While it's easy to just not deal with something as stressful as paying off a debt you cannot afford right now, you can bet it will only get worse if you delay too long. Like a leaky water pipe, it's better to address the problem ASAP than to wait until your whole house is flooded and ruined. Debt that piles up and goes to collections can wreak havoc on your credit score, and lead to so many other headaches down the road.
So, when UCB debt collectors first contact you, send them a Debt Validation Letter which forces them to validate the debt before they can keep contacting you about it or take legal action.
If UCB cannot prove that you actually owe the debt and that they have the rights to collect on it, they can't keep bothering you about it. If they fail to validate the debt they are contacting you about, it is a violation of the FDCPA.
Learn more about debt validation in this video:
If UCBInc has already validated the debt and is suing you, there is still hope. You don't have to stress about finding a lawyer to help you respond to the case. You can represent yourself in court and beat UCB. Here's how.
Make UCB prove their case.
That's right: Make. Them. Prove. It. Debt collectors like UCB count on fear, inexperience, and desperation in the people they pursue, but you're going to be different because you know that the burden of proof is actually on them. They must show A) You are responsible for the debt, B) They have the right to sue you, and C) That you owe a specific amount.
You may be surprised to learn this, but the truth is that most debt collectors don't have the evidence that would be needed to support their case in court.
You can beat UCB collection in court if you're being sued. Remember, debt collectors count on people not knowing how to fight back. They count on going to court against you and being completely unopposed. You need to demand evidence and documentation that UCB owns the debt they claim you owe. If they can't prove it, you win! Even if they can, there are still options that are beneficial to you.
You should also be aware of the statute of limitations on debt in your state. Typically, it's between three and six years. The details of the law vary from state to state, but essentially, if you have not had any activity on the account during the timeframe specified in your state (any payment on the debt can restart the clock), then it's too old for UCB to sue you. However, that defense only works if you do your part and file your Answer.
If you ignore the lawsuit and UCB gets a judgment against you, your situation only gets worse. We can't emphasize this enough: If you want to beat UCB collections in court, don't delay. File an Answer! Time is of the essence. Don't wait to get help. Prepare a strong Answer to respond to the UCB lawsuit against you.
When you get sued for a debt, you receive a Summons and Complaint—usually in the mail. The Summons notifies you of the lawsuit, and the Complain lists all the specific claims made against you.
The first step to beating UCB debt collectors in court is to respond with a written Answer.
You have up to 35 days to respond to a debt lawsuit, depending on where you live. If you don't respond in time, UCB will probably request a default judgment against you. If the court grants the default judgment, UCB will be able to garnish your wages and put liens on your property.
Use these six tips to draft and file your Answer before your state's deadline:
Watch this video to learn more about these six tips:
SoloSuit makes it easy to fight debt collectors.
You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.
SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.
Debt collection scams are common, and it is possible for a fake debt collector to pose as United Collection Bureau and contact you about paying off a debt that you don't recognize.
Here's how to spot a fake debt collector:
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.