Are you receiving harassing phone calls from Direct Capital Associates?

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Are you receiving harassing phone calls from Direct Capital Associates?

Have you been enduring harassment from Direct Capital Associates? Do you wish there was a way to stop them? Direct Capital Associates (UCRB) is a licensed third-party debt collector within the United States. Located in Buffalo, New York, Direct Capital Associates collects debts from consumers whose accounts have gone into delinquency.

If you have been receiving routine debt collection calls, you should know by now that debt collectors prioritize recovering debts over being nice and respectful, so do not be surprised when you keep getting an insensitive number of phone calls and comments from Direct Capital Associates. There are laws guiding debt collection but many times, debt collectors have a hard time staying on the right side of the law. Many complaints have been filed by tired and frustrated customers who have been harassed in one way or the other by these debt collectors. If Direct Capital Associates debt collection is harassing or threatening to you in any way, do not be afraid, instead, let them know that you are aware of your rights, and they are crossing their legal boundaries. Get evidence against them by recording their calls and keeping a file for any documents you receive from them.

If after this warning, they fail to stop harassing you, you have options that include suing them to court. You may be able receive up to $1,000 in statutory damages. Call us now on 877-700-5790 to get immediate assistance.

I am being contacted by a debt collector from Direct Capital Associates. What’s next?

There is a difference between a debt collector and a debt buyer. While a debt collector may not own the debt, a debt buyer specializes in purchasing debts from original lenders for pennies on the dollar and then tries to collect on those debts themselves in a bit to turn a profit.

A debt collector, on the other hand, is defined as ” a company or agency that is in the business of recovering money owed by consumers on delinquent accounts” While there are some exemptions, this broad definition covers the major scope of what a debt collector is. A debt collector may not personally own the debt that they are trying to get you to pay off, but they are, however, licensed to collect it within reasonable means.

If you are contacted by a debt collection agency like, Direct Capital Associates concerning a consumer debt that they claim you owe to them or an original lender, there are some specific requirements that the law requires the debt collector to follow. A good example of one specific requirement prescribed for debt collectors by the FDCPA laws is that within five days of the initial communication with the consumer, Direct Capital Associates must inform the debtor in writing of the following:

  • The amount of debt; and
  • The name of the creditor to whom the debt is originally owed.

The validation document must also include additional information such as your full name (with middle names and abbreviations included to avoid the possibility of mistaken identity), and further details about the original creditor. Once you have received this notice, you have 30 days from the day of the receipt of the notice to dispute the validity of the debt in writing if you believe that the debt is not yours or that there has been a mistake in the way it was represented.

If you have doubts regarding the validity of the debt but you do nothing about it within the specified 30 days, Direct Capital Associates may simply assume that the debt is valid. However, if a consumer properly disputes the debt within the 30-day period, Direct Capital Associates must obtain verification of the debt and mail it to the consumer. The failure to send this notice at the right time may be counted as a violation of the Fair Debt Collection Practices Act and may subject the collector to certain unfavorable consequences.

What illegal tactics do debt collectors employ?

Debt collectors like Direct Capital Associates have just one aim: to get your money, so do not be surprised when they seem to be doing the most. When you understand that the debt collector issues that you are experiencing are not peculiar to you and millions of people have the same struggle, you will be more logical and less emotional when responding to debt collectors.

Also, understanding that you have rights protecting you against Direct Capital Associates phone harassment helps you handle the situation better. It also helps to be aware of some of the tactics that these debt collectors employ, this helps you to be prepared ahead. Below are some tactics that debt collectors utilize in the collection of a debt:

  • Making threats: This is a popular one that a lot of people have experienced. Debt collectors are known to get desperate in their attempts to recover debts and go as far as threatening to harm and hurt the debtors. Direct Capital Associates debt collection agency is prohibited from making threats of any sort to you.
  • Trying to frighten debtors with jail terms, wage garnishment, or lawsuits: in the Direct Capital Associates debt collection process, agents may try to threaten you by mentioning any of the consequences listed above. Note that it is just a tactic to scare you. Debt collectors cannot send you to jail, neither can they garnish your wages without permission from a law court.
  • Hiding their identity: Some debt collectors go as far as pretending to be someone else when they contact you. They disguise and try to communicate with you in anonymity. This is why the FDCPA makes it a rule for debt collectors to clearly introduce themselves when they call you. You have the right to know who they are and who they represent.
  • Calling third parties: Some debt collectors may bypass the debtor and begin calling their friends and families. This is unacceptable.
  • Phone Harassment: Direct Capital Associates phone harassment is not a strange occurrence. Although not accredited by the BBB, there have been several complaints of phone harassment filed against them with the organization.

Who is Covered by the FDCPA?

We certainly believe the idea that life has become much tougher these days, and when you are constantly getting called up by a debt collector like Direct Capital Associates, things tend to get a lot messier.  Collection attempts made by Direct Capital Associates can seem overwhelming, nevertheless, it provides some relief to know that the FDCPA laws are on your side when it comes to debt collection and debt collection harassment. The FDCPA laws stipulate that Direct Capital Associates must respect the dignity of your person throughout the debt collection process. What this means is that debt collectors are prohibited from harassing you in an attempt to collect a debt, but first, we must examine who is covered by the FDCPA so that you may know where you stand and what rights you have.

If you are one of the millions of Americans who are struggling to get out of a current debt situation, you should be aware that some of the basic protections offered to consumers through the FDCPA laws may help to lighten the burden of your delinquent debts just a little.

In March of 1978, Congress signed the “Fair Debt Collection Practices Act.” into law. This legislation was primarily for the protection of consumers like you, Congress was inclined to take this move and sign the act into law after they found abundant evidence pointing out the use of harassing, abusive, deceptive, and unethical collection practices that many third-party debt collectors like Direct Capital Associates employ to harass consumers who have done nothing wrong but acquire a debt. The goal of this legislation was to bring all the unfair and unethical tactics utilized by many unfeeling collectors to a much-needed end. This law still stands today, and it is enforceable for the protection of your debt collection rights.

Over the years through which the law has been in existence, the courts have aggressively upheld it and broadened its powers. In addition, many states, including Florida, have signed legislation patterns similar to the FDCPA into law.

The FDCPA was created for certain debt situations and a certain group of people, therefore, if you wish to be afforded protection under the Fair Debt Collection Practices Act, you must first meet the following requirements:

  • You must be a “consumer,” in the sense of the word defined by law. According to FDCPA laws, a consumer is defined as “any natural person obligated or allegedly obligated to pay any debt.”
  • The debt in question must be a consumer debt. The FDCPA has a policy of covering only consumer debts (and excluding other debts like business debts) so if you have incurred a debt that is not a consumer debt, you may fail to meet the requirements for protection by the FDCPA, In legal terms, consumer debt is defined as “any obligation of a consumer to pay money arising out of a transaction in which money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.”

In order to get relief through the FDCPA and its policies, you must meet the above-listed criteria. An example of a personal or consumer debt is if you owe a mortgage or a car loan, while an example of a business debt includes bank loans that are taken out to finance the business and any liabilities incurred from operating the business.

Who are Direct Capital Associates?

Direct Capital Associates is a debt collection agency located in Buffalo, New York. The agency was founded in 2014 and is not accredited by the Better Business Bureau.

Contact information

(855) 339-0384


Is United Check Recovery Bureau a Scam?

Although not accredited by the BBB, Direct Capital Associates is a legitimate debt collection agency licensed to collect debts from consumers in the United States. They were founded in 2014 and have remained in business ever since.

Nevertheless, it is important to verify that the number you are currently receiving phone calls from indeed belongs to Direct Capital Associates.  Many fraudulent debt collectors are known to call unsuspecting consumers pretending to be debt collection agents and asking to collect on non-existent debts. You must beware of such tricks.

Additional information about Direct Capital Associates

Direct Capital Associates is a third-party debt collector located in New York. Being contacted by Direct Capital Associates and and having to speak with a representative from Direct Capital Associates may be a very uncomfortable situation to find yourself in, nevertheless, you must settle or resolve your debt with Direct Capital Associates if if you want them to stop calling. 

Direct Capital Associates is only calling because you have acquired a debt that Direct Capital Associates is legally entitled to collect on. If they are calling you illegally, you should know that Direct Capital Associates phone harassment is against the law. To make this stop, contact Direct Capital Associates to work out a viable repayment plan to resolve your auto, mortgage, or any other type of loan that you owe. 

If you are currently receiving calls from Direct Capital Associates, be sure to verify that the person you are speaking with is really a representative from Direct Capital Associates or else, you may fall victim to a debt collection scam perpetrated by people who do not represent Direct Capital Associates and are in no way affiliated with Direct Capital Associates.

If you would like to know if Direct Capital Associates is calling you, you can do so by verifying if you are receiving phone calls from a known Direct Capital Associates collection agency number. 

Remember that recovery bureau is legally entitled to collect what you owe, therefore, ignoring them will not prevent their collection efforts. If you are receiving calls from Direct Capital Associates collections it is in your best interest to seek the advice of a qualified professional for guidance. Regardless of the fact that united check recovery is allowed to call you, they are not allowed to harass you simply because you owe a debt. 

If a debt collection representative from Direct Capital Associates has harassed, intimidated, or deceived you in order to collect on a debt you owe, it is advisable to keep records so that you may report it to the Consumer Financial Protection Bureau or a consumer rights attorney. Remember, nobody should have to live with debt collection harassment from Direct Capital Associates. Contact us today and let us help you stop the harassment that you may currently be enduring from Direct Capital Associates.

Do you have a Question?

If you have an unanswered question about Direct Capital Associates and their collection process, or about debt collection harassment in general, do not hesitate to reach out to us here.

About Us

Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Direct Capital Associates. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at (877)700-5790 for immediate assistance.


Check out the links below for more information:


New York Attorney General

Consumer Finance

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Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.

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