Are you tired of constant phone calls from United Recovery Solutions? Does your phone ring several times daily with demands for payment? Are you facing threats of legal action? Has URS ever used offensive or abusive language when speaking to you? These actions could be clear signs of United Recovery Solutions debt collection harassment—a violation of your rights. You do not have to tolerate this any longer.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects you from aggressive or unlawful debt collection tactics in the United States. Debt collectors must follow specific rules when contacting you. If they violate these rules, you can take legal action. Under the FDCPA, you may sue a collector and potentially recover up to $1,000 in statutory damages, plus attorney fees and court costs.
Understanding Your Rights Under the FDCPA
The FDCPA, which outlines fair debt collections practices, protects consumers from abusive, deceptive, or unfair practices used by debt collectors. It governs how collectors like United Recovery Solutions can interact with you. This law ensures that debt collectors cannot harass, threaten, or deceive consumers. If they engage in debt collection harassment, you can take action, hold them accountable in court, and seek damages.
To understand how the FDCPA works, let’s review some key protections it provides:
- 👉 Restricted Calling Hours
Debt collectors cannot call you before 8:00 a.m., after 9:00 p.m., or at any time you have informed them is inconvenient. - 👉 No Third-Party Disclosures
Debt collectors may not discuss your debt with anyone other than you, your spouse, or your attorney. - 👉 No Workplace Harassment
Debt collectors cannot call you at work if they know your employer doesn’t allow such calls. - 👉 No Abusive Language
Debt collectors are prohibited from using profane or harassing language when speaking with you. - 👉 Truthful Representation
They must be honest about the amount owed. Debt collectors cannot make false claims or threaten illegal actions.
If they violate any of these rights, they may be guilty of debt collection harassment. Take steps to protect yourself today.
Who Is United Recovery Solutions Debt Collection Agency?
United Recovery Solutions is a third-party debt collection agency headquartered in Houston, Texas. Like many collection agencies, their primary business involves collecting debts on behalf of other companies, and they have developed a reputation for phone harassment and aggressive collection tactics. Consumers across the nation have reported experiencing constant phone calls, threats, and misleading information from them, a debt collection company that has been in business since 1977.
Understanding United Recovery Systems
United Recovery Systems is a debt collection agency that has been in business since 1977. Headquartered in Houston, Texas, URS also operates offices in several other locations. The company specializes in collecting debts on behalf of various creditors, including credit card companies, retail stores, and deficiency loan industries. Over the years, URS has developed a reputation for engaging in debt collection harassment, leading to numerous consumer complaints. If you have been contacted by URS and feel harassed, it’s crucial to understand your rights and take appropriate action.
Common Harassment Tactics Used by United Recovery Solutions
If URS has used any of the following tactics against you, you may have a legal case for debt harassment under the FDCPA:
- ✅ Calling Outside Legal Hours: If they call before 8:00 a.m. or after 9:00 p.m., they are in violation.
- ✅ Discussing Your Debt with Others: This includes disclosing your debt to friends, family members, or employers.
- ✅ Calling Your Workplace: If they know you cannot take personal calls at work but continue to do so, they are breaking the law.
- ✅ Using Abusive or Threatening Language: Profanity, threats, and harassment are illegal under the FDCPA.
- ✅ Misrepresentation: If they misrepresent the amount you owe or claim they will take illegal actions, you have grounds for a lawsuit.
- ✅ Threats of Arrest or Criminal Prosecution: Debt collectors cannot threaten you with jail time or criminal charges for non-payment.
- ✅ Providing False Credit Information: Reporting false information to credit bureaus is a severe violation of your rights.
- ✅ Causing Your Phone to Ring Excessively: If they calls your phone an unreasonable number of times daily, this could be considered harassment.
Signs of Debt Collection Harassment
Debt collection harassment can manifest in various ways, and recognizing these signs is the first step in protecting yourself. Common forms of harassment include:
- ➡️ Repeated Phone Calls or Letters: Receiving an excessive number of calls or letters from a debt collector can be overwhelming and is a clear sign of harassment.
- ➡️ Threats of Legal Action or Wage Garnishment: Debt collectors may unlawfully threaten you with legal action or wage garnishment to intimidate you into paying.
- ➡️ Abusive or Obscene Language: Using profane or abusive language is not only unprofessional but also illegal under the FDCPA.
- ➡️ Misrepresentations About the Amount of Debt Owed: Debt collectors must be truthful about the amount you owe. Any false representation is a violation of your rights.
- ➡️ Calls to Your Workplace or Family Members: Contacting your employer or family members about your debt is a tactic used to embarrass and pressure you.
- ➡️ Failure to Provide Verification of the Debt: You have the right to request verification of the debt. If the collector fails to provide this, they are not complying with the law.
If you experience any of these signs, it’s essential to know your rights under the Fair Debt Collection Practices Act (FDCPA) and take steps to protect yourself.
Recognize the United Recovery Solutions Phone Numbers
Have you been receiving calls from any of the following United Recovery Solutions phone numbers?
- ☎️ 918-712-0077
- ☎️ 513-297-5169
- ☎️ 833-525-5369
- ☎️ 786-204-1603
These numbers may belong to URS, although they may use other numbers. If you’re unsure whether the calls are from them, contact immediately for assistance. Don’t wait—let us help you stop the harassment today.
Also read: Collection Agency Harassment
How to Stop United Recovery Solutions Harassment
If you’re facing United Recovery Solutions debt collection harassment, take these steps to stop the calls and address issues with their collection services. You have legal rights that protect you from being bullied or harassed by debt collectors. Here’s what you can do:
- Document the Harassment
Keep a record of all calls, voicemails, and messages you receive from URS. Documenting the date, time, and content of each conversation provides valuable evidence if you decide to take legal action. - Send a Cease-and-Desist Letter
Under the FDCPA, you can send a letter to United Recovery Solutions instructing them to stop contacting you. Once they receive your letter, they must cease communication except to inform you of legal action. - Contact The Wood Law Firm
If URS harasses you, call at. Our experienced attorneys specialize in debt collection harassment cases and can help you fight back. We’ll ensure that URS is held accountable for any law violations.
Legal Consequences of Debt Collection
Debt collectors who engage in harassment or deceptive practices can face significant legal consequences. These may include:
- ➤ Civil Penalties: Collectors can be fined up to 💸$1,000 per violation of the FDCPA.
- ➤ Injunctions: Courts can issue injunctions to stop the harassment and prevent further violations.
- ➤ Lawsuits for Damages and Attorney’s Fees: Victims of debt collection harassment can sue for damages, including emotional distress, and recover attorney’s fees.
- ➤ Loss of Licenses or Certifications: Debt collectors found guilty of violating the FDCPA may lose their licenses or certifications, impacting their ability to operate.
Consumers have the power to take legal action against debt collectors who violate their rights, ensuring that these deceptive practices are addressed and stopped.
Removing Collection Accounts from Your Credit Report
A collection account on your credit report can significantly impact your credit score. Here are steps you can take to remove the account:
- ✅ Verify the Debt: Request verification from the debt collector to ensure the debt is accurate and valid.
- ✅ Dispute the Debt: If the debt is inaccurate or invalid, file a dispute with the credit reporting agency to have it removed.
- ✅ Pay for Delete: Negotiate with the debt collector to pay the debt in exchange for removing the account from your credit report. This agreement should be in writing.
- ✅ Seek Professional Help: Consider hiring a credit repair professional who can assist you in removing the collection account and improving your credit score.
Taking these steps can help you manage your credit report and mitigate the negative impact of collection accounts.
Filing a Complaint
If you are experiencing debt collection harassment or have concerns about a debt collector, you can file a complaint with several authorities:
- 👉 The Federal Trade Commission (FTC): The FTC enforces the FDCPA and can take action against violators.
- 👉 The Consumer Financial Protection Bureau (CFPB): The CFPB handles consumer complaints and can investigate debt collection practices.
- 👉 The Better Business Bureau (BBB): Filing a complaint with the BBB can help resolve disputes and alert others to the debt collector’s practices.
- 👉 Your State Attorney General’s Office: Your state Attorney General can take legal action against debt collectors who violate state and federal laws.
Filing a complaint can help you address the issue and prevent further harassment, ensuring that your rights are protected.
United Recovery Solutions Debt Collection Harassment: What Happens Next?
Once you’ve contacted us, we will immediately stop URS from further harassment. Our attorneys will evaluate your case and determine if URS has violated the FDCPA. If they have, we will help you file a lawsuit and seek compensation for the distress they’ve caused. You could recover up to $1,000 in statutory damages, plus attorney fees and court costs.
Filing a lawsuit does more than stop the harassment—it sends a message to other debt collectors that they cannot violate consumers’ rights without facing consequences.
Why Choose The Wood Law Firm?
At, we specialize in protecting consumers from illegal debt collection practices. Our team has extensive experience handling cases of United Recovery Solutions debt collection harassment. We understand the toll that constant phone calls and threats can take on your life, and we’re dedicated to helping you regain control.
When you choose, you’ll receive:
- ▶️ Expert Legal Advice: Our attorneys understand debt collection laws and will guide you through the legal process.
- ▶️ Personalized Support: We’ll work closely with you to understand your unique situation and develop a strategy tailored to your needs.
- ▶️ Aggressive Representation: We’ll fight on your behalf to hold URS accountable for any FDCPA violations.
Stop the Harassment Now!
Don’t let United Recovery Solutions continue to harass you. You have the power to stop their calls and protect your rights. Contact ☎️+1 844-638-1122 to learn more about your legal options. Our team is here to help you end the harassment and move forward with your life. Let us take the burden of fighting United Recovery Solutions off your shoulders.
Also read: Recovery Solutions Group Debt Collection Harassment
Final Thoughts on United Recovery Solutions Debt Collection Harassment
Facing constant calls and threats from URS can be overwhelming, but you don’t have to suffer in silence. The FDCPA exists to protect consumers from aggressive and unlawful debt collection practices. If you believe United Recovery Solutions has violated your rights, take action today.
By working with us, you can ensure that URS is held accountable for its actions. We’ll help you stop the calls, recover damages, and regain control of your life. Don’t wait any longer—call us to end the harassment.
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