813-387-7731
FL, US
(800) 945-6596
(800) 945-6596
2012-09-13 22:09:48
Debt Collector
Just got a new phone number. They were calling and calling. I asked them to stop three times. Then they started calling 5 times a day, every hour on the hour. I called back again and said they crossed a line. Finally, I think they got the message so no calls for a whole day! We will see....
Ken
Ken
2012-09-13 22:07:01
Debt Collector
Yup, they are a debt collector. Called me because I just got a new phone number. I called back and asked them to not call me again.
Jennifer
Jennifer
2012-07-13 12:22:37
Unknown
I received a call from this company asking for my son about a personal business matter. We just moved to this state and my son is only 19 and in the military when I told them this and that I was pretty sure they had the wrong number because my son did not have any creditors, the man said "ooohhh, okay thank you" and hung up. Now I fear I should not have told him that and that my son's identity may be at risk. Is there a way to investigate this inquiry further and make an official complaint?
betz
betz
2012-06-07 20:07:59
Unknown
called and requested last 4 numbers of social sec. number.. told them tell why you need the number and they hung up with no id
Lori
Lori
2012-05-23 18:42:10
Unknown
They called my 15 year old daughter's cell phone and said they were my insurance company!!!!  They are not my insurance company, they just lied because they realized a kid picked up.
C
C
2012-01-03 18:40:02
Unknown
Got a phone call from these people claiming they were inquiring regarding a business matter. They were looking for my Uncle in NYC whom i have no connection with, then proceeded to list of other memeber of my family asking how they can reach them! Including telephone numbers,etc! DONT NOT GIVE THESE PEOPLE ANY INFORMATION!
Teresa
Teresa
2011-10-05 17:05:39
Unknown
Asking for a Erica ......... with my last name.  For three years collectors called for a Rachael.........with my last name.
befuddled
befuddled
2011-06-06 20:59:25
Unknown
8133877731 calling my fathers home in Florida, looking for my ex wife, who lives in MN.  I called them twice demanding to know why?  They just hung up on me.  Their automated system identified them as United Recovery Systems, but no one would tell me any further info.
Ali
Ali
2011-06-06 20:59:25
Unknown
They are collection scam artists at United Recovery trying to claim you are late on a bill and they want to collect when you are not actually late or behind at all. They called my disabled father and told him he was past due on a bill and to pay up - but I manage his payments for him and his account is completely current - has been for years. They even claimed they were the actual card company that was late but I looked up the number while I had them on the phone (I happened to be on the computer when I got their call). They got very defensive when I called them out on their scam and told them I was looking at his account as I spoke with them - that his next payment was not due for three weeks and they tried to tell me the online version was incorrect. I told them to quit calling and harassing both my dad and myself. Yet they continue to call. I will be sending a cease and desist letter - then it's on to an attorney if they continue to call.
ShadowS.
ShadowS.
2010-11-20 20:15:05
Unknown
Thank you for this information & God bless you.
Ali
Ali
2010-08-03 13:59:44
Debt Collector
They are collection scam artists at United Recovery trying to claim you are late on a bill and they want to collect when you are not actually late or behind at all. They called my disabled father and told him he was past due on a bill and to pay up - but I manage his payments for him and his account is completely current - has been for years. They even claimed they were the actual card company that was late but I looked up the number while I had them on the phone (I happened to be on the computer when I got their call). They got very defensive when I called them out on their scam and told them I was looking at his account as I spoke with them - that his next payment was not due for three weeks and they tried to tell me the online version was incorrect. I told them to quit calling and harassing both my dad and myself. Yet they continue to call. I will be sending a cease and desist letter - then it's on to an attorney if they continue to call. BEWARE of these people.
ticked off
ticked off
2010-07-19 20:52:59
Debt Collector
This company is very rude.  Why are they even in business?  I have no outstanding debts to collect so I think they had the wrong number but then they're rude when they called me!
lamet
lamet
2009-12-02 18:18:06
Unknown
United Recovery Systems
5800 N Course Dr   Houston, TX 77072-1613
Phone: (713) 977-1234   Fax: (713) 977-0119
Web site: www.ursi.com
URS Finds SugarDaddy to Allow Continued Debt Collection

800-326-3446      866 815-8000  
using the name HOUSTON CONTACT
 

--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below

** IMPORTANT CONSUMER WARNING **

There are good and bad debt collectors, then there are the debt collectors who give the impression they would steal from anyone. This is one of those kind.

If you have ever been contacted by this agency, check your credit report to insure that the dates of last activity are correct. The DLA is the start of the seven year clock which governs how long an item can remain on your credit. United Recovery Systems is NOT to be trusted in ANY aspect of debt collections.

Their contact information is:

United Recovery Systems
Glenn P. Osuch, President
Douglas B. Schultz, Chief Executive Officer
5800 N Course Dr
Houston, TX 77072-1613
Phone: (713) 977-1234
Fax: (713) 977-0119
Web site: www.ursi.com

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.


File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009
Kisa
Kisa
2009-12-02 14:33:13
Debt Collector
Gooding morning, may I speak to "my name", I say "speaking". Hello mam', my name is ? with the URS. <hangup>.
It is the same thing everytime.
wondering1
wondering1
2008-08-08 20:15:37
Debt Collector
Repeated calls, work, home and cell - up to 8-10 a day, even though bill currently in collections is being paid.
1-941-744-0060 1-877-786-0697 1-322-808-0000
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