Summary: Is UHG 1, LLC suing you for a debt? SoloSuit can help you take a stand and win in court.
If you have received multiple phone calls, emails, letters in the mail, and even messages on Facebook from debt collectors with UHG I, LLC, you're probably feeling stressed, frustrated, and even angry. This is because UHG 1, LLC encourages debt collectors to be aggressive and basically harass people to try and persuade them to pay a debt they allegedly owe.
If you are being subjected to this type of harassment, don't give up. You have legal options and tools available that can help you beat UHG 1, LLC in court.
Here's everything you need to know about UHG 1, your consumer rights, debt lawsuits, and how to win in court.
What is UHG 1, LLC and how does it work?
UHG stands for “United Holding Group.” UHG, LLC is a third-party debt collection company that purchases unpaid debts from credit card companies, banks, auto loan companies, and other financial institutions. For example, UHG 1, LLC routinely purchases delinquent accounts from Lending Tree and LendingCorp for pennies on the dollar. They then turn around and file a debt collection lawsuit against the consumer associated with the delinquent account. It is quite common for UHG 1, LLC to file collection lawsuits without the proper assignment or title paperwork necessary to prove the claims in their case.
UHG LLC has received many complaints
If you're feeling frustrated with UHG LLC, you're not alone. Consumers have submitted formal complaints to the Better Business Bureau (BBB) and the Consumer Financial Protection Bureau (CFPB), accusing UHG of
As of 2022, UHG 1, LLC has received 10 complaints on its BBB profile in a three-year period. Even worse, the CFPB has reported 79 complaints against UHG in the past ten years. These complaints show the aggressive tactics UHG uses to collect debts.
Let's take a look at a real complaint against UHG.
Example: “My husband received a message from a Kathy from United Holding Group. In her message she does not say where she is calling from, does not explain why she is calling and claimed that I received multiple letters. It was not until I called her back when I learned what agency she was from and why she was calling. I explained that I did not receive multiple letters about owning her client $1,300. I informed Kathy that I am resolving my debt through a debt relief company. She said well we don't work with them. She gave me 2 payment options both of which I stated that I could not currently afford. She discussed no other options and said well good luck to you and hung up. I want this agency to send me something in writing with payment options that I can work with. That is why I'm working with a debt relief company in the first place and I am not comfortable making payment arrangements and giving my checking account info. to an agency I know nothing about over the phone.”
Knowing your rights can help you protect yourself from unfair treatment by UHG 1, LLC.
Know your rights when UHG 1, LLC contacts you
UHG I, LLC hires debt collectors and incentivizes them to be as aggressive and relentless as possible to try and collect on a delinquent or charged off account. Their debt collectors are so aggressive because collecting on a delinquent account is how they make money. In many instances, debt collectors with UHG I, LLC have been known to violate the law, particularly the protections afforded to consumers under the Fair Debt Collection Practices Act (FDCPA). Below are just a few of the main protections outlined in the FDCPA for borrowers state that debt collectors:
Debt collectors cannot contact you before 8:00 in the morning or after 9:00 in the evening.
Debt collectors cannot call you at your place of employment if you have asked them not to.
Debt collectors are required to communicate with you through your attorney once you have retained one and notified them that you have counsel.
Debt collectors cannot use profane or threatening language.
Debt collectors cannot harass you by calling multiple times per day.
Debt collectors must identify themselves as such when they contact you.
Debt collectors are prohibited from misrepresenting the legal repercussions associated with failing to pay the debt, whether the statute of limitations has expired, or pose as another company.
Respond to a debt lawsuit against UHG 1, LLC
You can save yourself a lot of time, money, and stress when you represent yourself in court instead of finding an attorney to do it for you. SoloSuit can help you prepare your legal documents for court and win.
Follow these three steps to respond to a debt lawsuit against UHG 1, LLC:
Answer each claim listed in the Complaint.
Assert your affirmative defenses.
File the Answer with the court, and send a copy to UHG 1, LLC.
Now, let's break down each of these steps a little further. Don't like reading? Check out this video instead:
1. Answer each claim listed in the Complaint
Your Answer document should focus primarily on responding to the specific claims, or allegations, listed in the Complaint document that you received. In response to each allegation, you can admit, deny, or deny due to lack of knowledge. Let's explain.
When you admit a claim, it's like saying “This is true.” When you admit a claim, there is no contest. Admitting all the claims in your Answer would probably lead to a judgment against you.
When you deny a claim, it's like saying “Prove it.” Keep in mind that this isn't the same as saying “This is not true.” Denying a claim is simply refusing to admit it as truth before a court of law.
When you deny a claim due to lack of knowledge, it's like saying “I don't know.” This is a perfectly fine response to use if you aren't sure about the allegations being made against you.
Most attorneys recommend denying as many claims as possible, because this will force PFW to do more work to prove their side of the case. If they don't have the proper documentation for proof, their case won't stand.
The plaintiff in a collections lawsuit is always the creditor or debt buyer, or in this case, UHG Because of this, they hold the burden of proof, which means they must establish the right to collect the debt they owe. Specifically, the plaintiff must provide admissible evidence that the lawsuit is true. This is somewhat difficult, but if you do not show up, or respond to the summons and complaint then they will win automatically.
Here are some examples of affirmative defenses you might raise in a debt lawsuit:
UHG failed to state the basis of the lawsuit: With this affirmative defense, you are stating that the debt collector did not cite a law that was violated meaning there is not a legal reason to sue you.
The debt is time-barred: This means that the statute of limitations has passed. The statute of limitations governs how long you can legally be sued for debt. This may range anywhere from two to 20 years, but on average is anywhere from four to six.
Plaintiff lacks legal standing: If UHG has failed to provide legal evidence that they own and can legally collect your debt, they lack legal standing. This typically occurs when the debt collector cannot prove they purchased or were assigned the debt.
3. File the Answer in court, and send a copy to UHG 1, LLC
After you've drafted your Answer, you should file it within the court's deadline. The deadline to respond to a debt lawsuit is anywhere from 14-35 days, depending on which state you live in. Make a copy of the Answer and send it, via USPS certified mail, to the attorneys representing NPAS.
It is very common to settle a debt collection lawsuit for less than you owe because debt collectors often purchase your debt for pennies on the dollar. This means that even if you are not able to get the lawsuit thrown out, you may be able to settle it for next to nothing. It is important that you realize you may need to pay a lump sum if you wish to get the lowest price possible. If this is not something you can do, then you should expect to attempt to coordinate monthly payments.
You can begin negotiating a debt settlement with UHG 1, LLC by sending a Debt Lawsuit Settlement Letter. Avoid offering to pay off the whole debt, because you can probably get UHG to settle for a percentage of the debt.
Watch this video to learn more about debt settlement:
What is SoloSuit?
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.
Respond with SoloSuit
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It only takes 15 minutes. And 50% of our customers' cases have been dismissed in the past.
"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" – Heather