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How to Resolve a Debt with a Unifin Debt Collector

Sarah Edwards | July 14, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: If you’ve received a collection notice from Unifin, you’re probably wondering how to handle it. Fortunately, you have lots of options. You can force them to validate the debt by sending a Debt Validation Letter. You can respond to a debt lawsuit against Unifin and fight your case in court. Or, you can offer to settle your debt in a lump-sum payment. SoloSuit can help you with all these options and more.

Receiving a debt collection notice is the absolute worst. You’re going about your day one minute, and the next minute, BAM! Someone claims you owe money you might not have the funds to repay.

Unfortunately, if your debt ends up with Unifin, you can expect lots of collection notices, emails, and phone calls until you resolve the situation. If you don’t repay the bill or set up a payment arrangement, Unifin may decide to take further action with a debt lawsuit.

We’ve created this guide to help you resolve your debts with Unifin and move on with your life. So, without further ado, let’s get into it.

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What to know about Unifin

When Unifin contacts you, you might wonder whether it’s a legitimate biz or a sly scam company out to steal your money.

Unifin is an entirely legitimate debt collection agency with an office in Skokie, Illinois. It partners with creditors and other businesses that hold outstanding consumer debts. Unifin will contact you if you have an outstanding obligation with one of its clients.

The mailing address for Unifin is P.O. Box 4519, Skokie, IL 60076. Unifin’s toll-free number is (888) 572-3987. The company has other offices in Guatemala, Jamaica, and the Philippines.

You can tell a lot about a company from its Better Business Bureau (BBB) profile. Unifin is an accredited company with the BBB and has a current B rating, with hundreds of complaints submitted by consumers concerning harassing communications, like unwanted texts and phone calls. Others complain that the debts that Unifin is chasing them for aren’t valid.

Luckily, there are laws in place to protect consumers, like you, from unfair debt collection practices. Keep reading to learn more.

The FDCPA protects you

The Fair Debt Collection Practices Act (FDCPA) prevents debt collectors from specific actions it considers abusive or harassing. If Unifin’s collection efforts include any of the following, don’t hesitate to file a complaint with the FTC:

  • Calling you before 8 a.m. or after 9 p.m.
  • Repeatedly calling you from different phone numbers throughout the day
  • Telling you it will send you to jail if you don’t repay a debt
  • Contacting you at work, if you send a written notice asking the collector to refrain from calling you there
  • Telling your friends or family you owe money

Debt collectors must follow these and many other restrictions included in the FDCPA. If you’re unsure whether Unifin’s actions have violated your rights, you can contact the FTC for clarification.

Make Unifin validate your debt

If you receive notice of a debt from Unifin, review the letter closely to determine whether you recognize the obligation. Under the FDCPA, you have 30 days from receipt of a collection notice to demand validation of the debt.

Once Unifin receives your Debt Validation Letter, it must provide you with evidence that it has the right to collect the obligation and that you owe the money. Unifin must stop all collection efforts against you if it can't substantiate its claims.

Not sure where to start with your Debt Validation Letter? Watch this video to learn more:

Unifin is suing me for unpaid debt. What should I do?

If you ignore Unifin’s attempts to collect money from you, it probably isn’t going to take the hint and hit the road. Instead, it will grab a figurative megaphone and file a debt lawsuit against you.

A debt lawsuit is a consumer’s worst nightmare. Once Unifin starts the legal process against you, you’ll have just a few weeks to take action to avoid a judgment. A judgment will give Unifin the right to make additional efforts to collect the money you owe, like garnishing your wages or freezing your bank account.

You’ll know Unifin is suing you when you receive a Court Summons, which will include your hearing date and a copy of Unifin’s Complaint. The Complaint, also known as a Petition in some states, will list the reason for the lawsuit (nonpayment of debt) and the amount you owe. It might contain other information about the obligation, which you should read carefully and verify.

The worst thing you can do is ignore Unifin’s Complaint. Instead, you should respond to the Complaint with an Answer. An Answer is your formal response to Unifin and includes any reasons you have for not paying the debt. If aspects of the lawsuit are inaccurate, you should list the inaccuracies in your Answer.

Respond to a Unifin debt lawsuit

If you’ve been sued by Unifin for debt, it’s best to respond to the lawsuit with a written Answer document.

An Answer stops Unifin from asking the judge for a default judgment during the hearing. Instead, the judge must listen to your side of the story before deciding on your case’s outcome. The judge can’t just bend to Unifin’s will and grant it the right to take harsher measures against you.

In your Answer, you should address each claim against you that was listed in the Complaint. You should also assert your affirmative defenses, because it will be your only chance to do so in this case. An affirmative defense is a set of facts or legal arguments that, if proven, would undermine the Unifin’s case or provide a legal justification for your actions.

Filing an Answer is simple if you know where to start. Watch our video below for six tips on drafting the perfect Answer.

Settle your debt with a Unifin debt collector

Your next step is to resolve the debt before your court date. You can either repay the debt or attempt to settle it. Repaying the debt is ideal if you have the money. Once it receives the money you owe, Unifin must drop its lawsuit and report the debt paid.

However, settlement may be an option if you can’t afford a complete repayment. In a settlement, you offer Unifin a portion of the debt in a one-time, lump-sum payment. Unifin will drop the lawsuit and release you from the remaining balance if it agrees to your terms.

Let’s consider an example of how to settle a debt with Unifin:

Example: Ezra owes $1,000 on an old loan with King Bank. King Bank engages Unifin to collect the debt from Ezra. After countless calls and notices, Unifin decides to up the ante and sues Ezra for the money. Ezra uses SoloSuit to draft and file an Answer and then uses SoloSettle to send an offer of $600 to Unifin to settle the debt once and for all. Unifin accepts the settlement. Once it receives the money, it drops the lawsuit and reports the account settled to the credit bureaus.

SoloSettle, powered by SoloSuit, is a tech-based approach to debt settlement. Our software helps you send and receive settlement offers until you reach an agreement with the collector. Once an agreement is reached, we’ll help you manage the settlement documentation and transfer your payment to the creditor or debt collector, helping you keep your financial information private and secure.

Dealing with Unifin is frustrating but worth the effort

No one likes unexpected bills. However, if you’ve forgotten about a debt and it resurfaces to haunt you, you’ll need to take action quickly. You don’t want a debt collector like Unifin reporting negative items on your credit report, and you definitely don’t need a judgment. Try to resolve the matter before it gets out of control. Your future self will thank you!

Are you ready to settle a debt with Unifin? SoloSettle can handle the process for you.

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.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

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