Unifin , Inc. is a Business Process Outsourcing (BPO) and Accounts Receivable Management (ARM) company that specializes in third-party debt collection. Unifin has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including illegal communication tactics and attempting to collect debts not owed. If you have been contacted by Unifin,take some time to understand your rights before responding.
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According to the Better Business Bureau (BBB), Unifin, Inc. is a legitimate collection agency, founded and incorporated in June 2011. The BBB established its profile page in September 2012. Unifin is listed as a collection agency and collection systems provider. Buzzfile estimates Unifin’s annual revenue at about $450,000 and the size of its headquarters staff at 5 employees.
According to its website, Unifin is “a full-service BPO and Accounts Receivable Management firm licensed and bonded nationally.” Unifin Inc provides solutions that “enable businesses to meet the challenges associated with their BPO needs…improve efficiency, generate more revenue, improve cash flow, and increase ROI.”
Unifin Inc cites four areas in which they claim their services outperform the competition: data security, regulatory compliance, business operations transparency, and performance in collecting delinquencies. To support these claims, their website cites their information security program; a secure web portal for client relations; high ethical standards; and compliance with nationally accredited licensing and bonding programs. However, as for compliance, they do not provide any information about consumer protection laws or enforcement agencies, except for a link to the Debt Buyers Association website.
Unifin Inc collects delinquent debts for student loan lenders, healthcare providers, utility and telecommunications providers, and government agencies.
As of February 2018, the Better Business Bureau (BBB) has closed 13 complaints against Unifin Inc in the preceding 3 years, with 8 complaints closed in the past 12 months. Complaints allege problems with billing and collections; customer service; and advertising and sales. As of December 2015, the Consumer Financial Protection Bureau (CFPB) has received 1 complaint about Unifin, and Justia lists at least 2 causes of civil litigation involving Unifin Inc.
PO Box 4519
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Unifin would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases
Complaints against Unifin Inc cite problems resulting from hostile and abusive telephone representatives who blame consumers for the abuses of Unifin employees. For example, in July 2017, a complainant indicated he had been receiving calls at work from a Unifin representative after informing them that he was not allowed to receive calls at work. This conduct is a direct violation of the FDCPA. The complainant indicated that he had acknowledged that the debt was valid and that he intended to pay it, but specifically requested that he not be called at work. In response, Unifin refused to accept responsibility for the violation, simply stating that there was not a “Do not call at work” notification on the complainant’s account. The Unifin representative who responded to the complaint offered a lengthy explanation about how their collection agents are supposed to document accounts, but ultimately blamed the consumer for their failure to adhere to regulations.
Similarly, in January 2016, a complainant indicated that Unifin representatives repeatedly engaged in abusive and harassing conduct during telephone conversations. Initially, the complainant indicated that when he began contacting Unifin Inc, their representatives continually hung up on him. Subsequently, when he requested validation of his debt, they allegedly refused to send any documentation; failed to inform him that they were a debt collector attempting to collect a debt; failed to inform him that his call was being recorded; and yelled at him. Allegedly, Unifin representatives then accused the complainant of harassing them because he “kept calling back demanding to speak to a supervisor or get the address to send a complaint.” The complainant also allegedly asked them to stop calling him, and a Unifin representative “refused…said it was within their rights…that they would still pursue debt collection and threatened to call him back.” In response to this complaint, Unifin offered an apology if the complainant felt “like our representatives were rude.” However, rather than accepting responsibility for the misconduct, they merely insisted that Unifin Inc prides itself on “being a complaint (sic) debt collection agency that adheres to all the laws and regulations that apply to our industry.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
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The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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