Select Page

Harassment from United Credit Recovery Bureau (UCRB)?

Updated on March 22nd, 2024, by Attorney Derek DePetrillo

Harassment from United Credit Recovery Bureau (UCRB)? Have you been enduring harassment from United Credit Recovery Bureau (UCRB)? Do you wish there was a way to stop them? United Credit Recovery Bureau (UCRB) (also known as UCRB debt collection, and the Bureau of Collection Recovery) is a licensed third-party debt collector within the United States. Located in West Seneca, New York, United Credit Recovery Bureau (UCRB) collects debts from consumers whose accounts have gone into delinquency.

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 United Check Recovery Bureau 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.

I am being contacted by a debt collector from United Credit Recovery Bureau (UCRB). What 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 UCRB collections 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, UCRB collections 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, UCRB incorporated may simply assume that the debt is valid. However, if a consumer properly disputes the debt within the 30-day period, UCRB incorporated 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 Check Recovery Bureau 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 United Check Recovery Bureau 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. United Check Recovery Bureau 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 United Check Recovery Bureau 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: United Credit Recovery Bureau may bypass you and begin calling your friends and families. This is unacceptable.
  • Phone Harassment: United Check Recovery Bureau 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 UCRB incorporated, things tend to get a lot messier.  Collection attempts made by UCRB incorporated 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 United Check Recovery collection agency 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,

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 United Check Recovery collection agency 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 from United Credit Recovery Bureau harassment 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 FDCP. 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.

The Fair Credit Reporting Act

In addition to the FDCPA, there are other important federal laws that protect you against harassment from United Debt Collectors; the Fair Credit Reporting Act is one of such laws.

While the FDCPA covers how debt collectors are expected to act in their dealings with you, the FCRA covers how all your financial transactions (which, of course include debt collections) can be presented in your credit report. It does not permit Check Recovery Bureau to misrepresent information on your credit report, or ty try to get you to pay up your debt by threatening to damage your credit.

In addition to the FDCPA and FCRA, there are also a number of other federal consumer laws that protect you and prevent debt collectors like United Check Recovery from using unfair, harassing, misleading, or abusive techniques to get you to pay up a debt you owe.

Regarding the FCRA and ensuring that your rights have not been violated, we advise you to study your credit report as often as possible. Dispute any errors immediately you notice them and contact an attorney at (877)-700-5790 to report any violation of your right to fair credit reporting by a debt collector like United Check Recovery collection agency.

In addition to federal laws, most states also have laws that protect consumers like you and I from unfair debt collection practices carried out by many debt collection agencies in the process of trying to collect a debt.

Many of these laws are similar to the FDCPA, and they offer residents of certain states additional protection in conjunction with federal laws. While the FDCPA covers only third-party lenders, many debt collection state laws also extend to cover the original lender, some equally don’t. You should contact the attorney general’s office in your state to learn more about the laws that govern debt collection.

Additionally, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372). You can also report any problems to your state’s attorney general, or a qualified attorney who may be able to sue United Credit Recovery Bureau in state or federal court.

Who is United Check Recovery Bureau?

United Check Recovery Bureau is a debt collection agency located in West Seneca, New York. The agency was founded in 2015 and is not accredited by the Better Business Bureau.

Contact information

3768 Seneca St

West Seneca, NY 14224

(716) 674-2394

Is United Check Recovery Bureau a Scam?

Although not accredited by the BBB, UCRB is a legitimate debt collection agency licensed to collect debts from consumers in the United States. They were founded in 2015 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 United Credit Recovery Bureau. 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.

United Check Recovery Bureau phone numbers

(716) 674-2586, 716-558-1299, 954-953-4586, 816-312-4636, 573-207-6769, 716-272-3414, 312-447-4770, 833-387-6282, 727-304-5060, 954-953-4586, 888-426-4881, 855-582-6866, 843-203-5319, 888-611-9629, 888-549-0323, 888-426-4751, 888-426-4893, 501-859-6938, 888-200-4912, 888-426-4886, 228-207-1729, 866-974-5700, 855-849-4037, 317-231-5406, 888-200-4765, 909-740-3549, 907-313-8523, 888-805-5817, 210-714-4725, 888-426-4886, 980-321-7869, 423-682-6864, 888-837-5113, 707-232-8179, 855-335-9529,1-833-515-1698, 888-334-0180, 844-494-0581, 844-599-0948

Additional information about United Check Recovery Bureau

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

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

If you are currently receiving calls from United Credit Recovery Bureau, be sure to verify that the person you are speaking with is really a representative from UCRB collections, or else, you may fall victim to a debt collection scam perpetrated by people who do not represent UCRB inc and are in no way affiliated with United Check Recovery

If you would like to know if United Check Recovery Bureau is calling you, you can do so by verifying if you are receiving phone calls from a known United Check Recovery collection agency number. United Check Recovery, otherwise known as UCRB collections is known to frequently contact consumers with the following number: 8006306705

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 UCRB collections (otherwise known as United Check Recovery Bureau). 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 Check Recovery Bureau 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 United Check Recovery collection agency

Contact us today and let us help you stop the harassment that you may currently be enduring from United Credit Recovery Bureau.

Do you have a Question?

If you have an unanswered question about United Credit Recovery Bureau (UCRB) and its 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 United Credit Recovery Bureau (UCRB). 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

Stoneleigh Recovery Associates Debt Collection Harassment