Stop Universal Recovery Corporation Phone Harassment❗
Is Universal Recovery Corporation harassing you with constant phone calls? Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop them phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Are They a Scam❓
According to the Better Business Bureau website,They have been in business since 1993. There have been 17 complaints closed in the last 3 years and 3 complaints closed out in the last 12 months.
What is Universal Recovery Corporation❓
They bring you over 60 years of combined experience in the field of collections. Universal Recovery Corporation ensures compliance with relevant laws and regulations, including adherence to the Fair Debt Collection Practices Act (FDCPA) and California collections laws. It is important to engage with Universal Recovery Corporation to discuss the specifics of a debt and review all the details related to the account. No Collection, No Charge. Provided debt recovery services and legal support services.
🏛️ Universal Recovery Corporation Address: 2880 Sunrise Blvd # 138 Rancho Cordova, CA 95742-6103
📞 Phone: (916) 631-8191
📠 Fax: (916) 631-4268
The Role of a Collection Agency
A collection agency, like Universal Recovery Corporation, plays a crucial role in the debt collection process. They acquire unsettled debts from creditors who have given up on collecting those amounts and attempt to recover the debt through various means, including mail, phone calls, and legal action. Collection agencies must comply with regulations set by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), which protect consumers from unfair and deceptive practices. These laws ensure that debt collectors operate within legal boundaries and provide consumers with rights to dispute and verify debts.
Universal Recovery Corporation Phone Harassment Examples
If they engages in any of the following tactics, you may have a case:
- 🚫 Using profanity or abusive language
- ⏰ Calling you before 8:00 a.m. or after 9:00 p.m.
- 📞 Calling you multiple times per week
- 🗣️ Talking to others about your debt
- 🏢 Calling your workplace
- ⚖️ Threatening to sue you, harm you, destroy your credit, or use illegal tactics to extract payments
- ❌ Telling you or anyone else that you’ve committed a crime
- 🔁 Calling repeatedly for the wrong person
- 📜 Failing to notify you of your right to dispute the debt
- 💰 Trying to collect more than legally allowed
Impact on Credit Report
Having a collections account listed on your credit report can significantly harm your credit score, making it challenging to secure loans or other financial approvals. The presence of a debt collection company on your credit report can lower your credit score due to several factors, including the age of the debt, the amount owed, and the payment history. It is essential to address any debt collection issues immediately to prevent further damage to your credit health. Ignoring these issues can lead to long-term financial difficulties, so taking prompt action is crucial.
Universal Recovery Corporation Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📲 (916) 631-8191
- 📲 (800) 817-4377
If the answer is yes, then you are receiving calls from a known Universal Recovery Corporation number. You may be a victim of Universal Recovery Corporation . The list above is not all the numbers that Universal Recovery Corporation uses. The calls can be from different numbers and it still be Universal Recovery Corporation calling you. Contact our office right away so we can start the process to stop them from calling you illegally. Above all, no one should live with harassment!
Common Questions:
Is Universal Recovery Corporation a scam❓
No, They have been in business since 1993.
Can they seize my property❓
They can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtain a judgment against you, the debt collector may be able to take certain property as permitted by the court.
Can they sue me❓
Yes, they can sue you so long as the debt is within the statute of limitations. Universal Recovery Corporation may resort to lawsuits under certain circumstances.
Can they report my debt to the collections bureaus❓
Yes, Debt collectors are allowed to place the collection account on your credit report.
Can they arrest me❓
Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
The following is a sample list of complaints filed against Universal Recovery Corporation and can be found on Pacer.gov.
- 📋 1:20-cv-00248-DAD-SAB Ronquillo v.
- 📋 3:17-cv-03645-JD Cebuano v.
- 📋 2:16-cv-08785-SVW-PJW Sarah Perdue v.
- 📋 8:16-cv-01288-JLS-JCG Jennifer Camarena v.
- 📋 5:16-cv-00130-AB-KK Robert Wesley v.
Negotiation and Settlement
Negotiating and settling debt with a collection agency can be a viable option for consumers. This involves communicating with the agency to reach a mutually agreeable payment plan or settlement amount. Consumers should be aware of their rights under the FDCPA and FCRA, which include the right to dispute the debt, request verification, and cease communication. Working with a reputable lawyer or credit counseling agency can help consumers navigate the negotiation and settlement process. By understanding their rights and options, consumers can often reduce the amount they owe or arrange more manageable payment terms.
Credit Health and Well-being
Maintaining good credit health and well-being is crucial for consumers. This involves monitoring credit reports, paying bills on time, and keeping credit utilization ratios low. Consumers should also be aware of their rights and responsibilities under the FDCPA and FCRA, which can help them manage debt collection issues and prevent further damage to their credit report. By taking proactive steps to manage their debt and credit, consumers can protect their financial well-being and maintain a healthy credit score. It is also essential to check the reputation of the collection agency, such as Universal Recovery Corporation, with the Better Business Bureau (BBB) and to be aware of the contact information, including the phone number (916-631-8191) and email address (admin@universalrecovery.com), to ensure that any communication is legitimate and compliant with industry regulations.
CONSUMER RIGHTS LAW FIRM, PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop them harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent even more harassment from Universal Recovery Corporation, call us at for immediate assistance or visit our website.
Success Stories
- 🏆 “Universal Recovery Corporation called me 10+ times a day, even after I asked them to stop. They threatened wage garnishment for a debt I wasn’t sure I owed. I reached out to Consumer Rights Law Firm PLLC, and within weeks, the calls stopped. They proved the debt was inaccurate and got it removed from my credit report—*and I didn’t pay a dime. The firm handled everything, even securing a small settlement for me. If you’re being harassed, don’t wait—call them!”
- 🏆“I was shocked when Universal Recovery Corporation claimed I owed $5,000 for a credit card I never opened. Their calls were relentless, and their letters looked official, but Consumer Rights Law Firm PLLC stepped in. They demanded debt validation letter, and when URC couldn’t provide proof, the debt was dropped. The firm also reported the violations to the CFPB. Life-changing help—no upfront fees, just results.”
- 🏆 “URC sent me a lawsuit notice for an old medical bill, but the amount was inflated. I panicked until Consumer Rights Law Firm negotiated a 60% reduction and stopped the court action. They explained my rights under the FDCPA and even got URC to delete the collection from my credit report. Their team was transparent and aggressive—exactly what I needed.”
