- Who is United Resource Systems?
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- How Do I Stop United Resource Systems Debt Collection Harassment?
- How Can I Delete United Resource Systems from My Credit Report?
- How Can I Deal with United Resource Systems?
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United Resources Systems, Inc. (URS) is a third-party collection agency based in Colorado that specializes in medical debt recovery. URS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failure to verify debts and attempting to collect debts not owed. If you have been contacted by URS, make sure you understand your rights before responding.
According to the Better Business Bureau (BBB), United Resource Systems, Inc. was founded in 1994 and incorporated in 1996. The BBB established its profile page in 1996. URS is listed as a collection agency and consumer finance and loan company that uses the alternate business names, United Billing Services and CareMed Partners. Buzzfile estimates URS’ annual revenue at $4 million and the size of its staff at 35 people.
According to its website, URS “has collected debt for a variety of industries since [its] inception, including healthcare, government, retail, financial institutions, and commercial clients.” URS provides “clients with the opportunity to participate in the collection process from account booking to resolution… [via its] online Client Resource Center.”
URS offers professional services in six main areas: medical billing; medical debt recovery; medical appeals; debt recovery; legal services; and consulting and training programs. Medical billing and medical appeals processing is offered as an extended business office service for healthcare providers and includes account scrubbing for billing code errors, electronic claim submission, review of patient benefits, coverage verification, and appeal letter submission.
Medical debt recovery agents begin by “disputing and resubmitting the account to third party payers or self-pay collection…[Next,] [p]atients refusing to pay…will be reviewed for potential legal action… Patients without the ability to pay…will be offered a settlement or payment plan option.” Debt recovery service for non-medical clients “typically starts within 3 business days… Upon verification of customer information, a recovery agent will call and begin to negotiate a resolution.” Reporting delinquencies to the credit reporting agencies and possible litigation are reserved for more difficult to collect accounts.
URS’ Compliance and Security page cites adherence to the Fair Debt Collection Practices Act (FDCPA), Health Insurance Portability and Accountability Act (HIPAA), the Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA), and the Service members Civil Relief Act (SCRA). Their Consumer FAQ page offers some basic information for site visitors. However, there are no links or references to consumer protection resources, laws, or enforcement agencies.
The BBB has closed 9 complaints against URS in the past three years, with 2 closed in the past 12 months. Complaints are fairly evenly split between those alleging problems with billing and collections and those alleging problems with advertising and sales. Since August 2015, the Consumer Financial Protection Bureau (CFPB) has received 9 complaints about URS. Justia lists at least 4 cases of civil litigation naming URS as a defendant.
Absolutely. Here are some Sample Cases against United Resource Systems, Inc.
In November 2003, in United States District Court for the District of Hawaii, a judge issued an Order regarding defendants’ motion to dismiss charges that they had violated provisions of the Fair Credit Reporting Act (FCRA). In this case, the plaintiff cited a very long and complicated record of multiple creditors and collection agencies who had reported variously conflicting information about his payment history on credit accounts; the status of accounts that had been sent to collections; and the results of investigations he had requested into his allegations that their accounting and reporting contained errors. Those errors resulted in several alleged legal violations on eight separate counts: negligence in the reporting and collection of the disputed accounts, each subsequent reporting and re-reporting, and the handling and reinvestigation of data (Count I); defamation by publishing and disseminating false statements about Plaintiff and damaging his reputation with willful intent to injure (Count II); violation of the Fair Credit Reporting Act (FCRA)…by failing to respond to reinvestigation requests and failing to supply accurate information (Count III); violation of the FCRA…by failing to adopt and follow reasonable procedures to assure the maximum possible accuracy of Plaintiff’s consumer credit (Count IV); violation of the FCRA…by re-inserting false information into Plaintiff’s consumer reports after having removed the information previously (Count V); violation of the FCRA…for failing to properly reinvestigate Plaintiff’s disputes (Count VI); violation…of state debt collection practices (Count VII); and violation…of [the] Federal Fair Debt Collection Practices Act (Count VIII).”
URS was one of many defendants. In 1998, the plaintiff had attended a truck driving training course at Professional Driver’s Institute (PDI), which he had been told would be paid for by his employer, Swift Transportation. He had received a notice of the installment payment agreement from PDI that he assumed was being paid by his employer; however, after his termination from Swift and reactivation with the Marines, Swift had not continued to pay the education loan, which was sent to URS for collection. The plaintiff only discovered the delinquency after being declined for credit. The plaintiff cited many other instances of disputed accounting and credit reporting, as well as his efforts to request investigation and correction. Unfortunately, his attempt to address all his concerns in the United States District Court of Hawaii required the court to address concerns of jurisdiction because his complaint originated in various regions throughout the continental United States. In the November 2003 case, the court determined that they did not have jurisdiction to make a ruling regarding all his concerns. Two of the defendants were granted their motion to dismiss for lack of jurisdiction; however, URS was not one of those defendants.
United Resource Systems, Inc.
3501 S. Teller Street
Lakewood. CO 80235
Telephone: (800) 684-3320
Understanding your Debt Collection Rights
The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) enforce consumer protection laws. The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are two federal laws that help regulate the collections industry. The FDCPA prohibits actions such as threatening to take actions that cannot legally be taken or using false or misleading language to collect a debt.
The FCRA regulates how collection agencies report information to credit reporting agencies.Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA).
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA.
The case above illustrates how understanding your rights and responsibilities under these laws is an important part of holding collection agencies accountable for their actions. Seeking legal assistance can help you resolve a dispute with a 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 recieving 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.
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.
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