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Calls from United Merchant Asset Recovery?

Are you being harassed by United Merchant Asset Recovery? Communicating with debt collectors like United Merchant Asset Recovery requires knowledge. United Merchant Asset Recovery has years of experience and has dealt with different customers, thus they are well familiar with the whole process and may outsmart you.

It is always wise to refrain from speaking too much when a debt collector calls, to avoid divulging information that can put you in a bad place. When debt collectors call, do not panic, instead, listen to what they have to say and confirm if the debt is actually yours. Avoid giving them personal financial information like your monthly income and where you work. It is advisable to refrain from giving a debt collector any details you wouldn’t give to a stranger.

If United Merchant Asset Recovery begins to threaten you over the phone, trying to get information from you, that is United Merchant Asset Recovery phone harassment and you should politely tell them to send you debt validation in writing. Information like your email address, employer’s number, credit card number, and friends and family’s addresses should also not be given to debt collectors.

What is the FDCPA?

The FDCPA is a unique set of laws that was enacted in 1977 and amended in 1996. These laws were created to protect you from United merchant asset recovery harassment in response to the alarming number of complaints the CFPB received from consumers who had been harassed during the debt collection process.

The first thing you should know about the FDCPA is that it does not apply to your original creditor, it only applies to third-party debt collectors like United Asset Recovery. Therefore, if your debt is being collected by your original lender’s internal collector, the FDCPA will not protect you until your debt is either transferred or sold to United Asset Recovery.

In a nutshell, the FDCPA outlaws any actions that are carried out with the intent to harass, annoy, coerce, or intimidate you into paying up your debts.

Some examples of debt collection harassment include, but are not limited to:

  • A Federal Merchant Recovery debt collector making threats to harm a person, their reputation, property, or credit rating.
  • Using harassing, abusive, obscene, or profane language in their communications with you.
  • A debt collector from United Merchant Asset Recovery LLC pretending to be a police or law enforcement officer.
  • Sending you letters that are made to look like court orders.
  • Giving you false, or deliberately misleading information regarding the amount or collection status of the debt you owe
  • Claiming that the nonpayment of your debt will lead to your arrest or imprisonment
  • Calling you excessively with the intent to annoy, bully, or harass you into paying up your debts.

The above-mentioned instances are not the only examples of debt collection harassment. If any of them sound familiar, or if you feel incredibly distressed after you have been in communication with United Merchant Asset Recovery, then you should speak with an attorney as soon as possible.

Our law firm has been assisting people tackle debt-related situations for over a decade. We have helped hundreds of satisfied clients, and maintain an A+ rating with the Better Business Bureau; let us help you too.

What if a debt collector misleads me with false information?

According to the FDCPA, debt collectors like United Merchant Asset Recovery are not allowed to harass you in any way. Calling you countless times or calling your family and friends could be United Merchant Asset Recovery phone harassment and it is unacceptable.

However, United Merchant Asset Recovery phone harassment is not the only thing the FDCPA prohibits. The use of deceptive and manipulative debt collection methods is also prohibited. This means that they can not give you false information regarding your debts. However, some debt collectors still give false information to ignorant debtors, this is why debtors are always advised never to admit to owning a debt when they get a call from a debt collector.
If you suspect that you are being lied to during United Merchant Asset Recovery debt collection, here’s what you should do.

  • Check your records: Go through your records to confirm details about the debt. You need to be sure from your end first.
  • Ask for names: The FDCPA allows you to ask the debt collector for their name, address, and agency. Asking these questions helps you know who exactly you’re dealing with. You should also ask them who they’re trying to contact, because they may be reaching the wrong person.
  • Ask them for the name of the original creditor.
  • Make a debt validation request: Within the first 5 days of being contacted by a debt collector, you are allowed to request that the debt collector send you full details pertaining to your debt.
  • Keep records of everything the debt collector says to you: If they have sent you letters and documents, keep them in a file along with your own letters and responses to them as proof. Also, keep track of your phone calls with them and write down dates and details of the phone calls.
  • Dispute the debt: if you are convinced that there is an error somewhere or that the debt is not yours, you have a chance to dispute it within 30 days from the day you received the first correspondence.

If a debt collector is deceiving and misleading you, they are violating the FDCPA and you may be able to sue them and receive statutory damages of $1000 alongside additional damages and attorney fees.

What Do You Do When A Debt Collector Sues You

Has a debt collection agent from federal merchant recovery called you for a debt you owe? Have you been sued by United merchant and don’t know the next step to take? Don’t have any fear, we’ll help you with a way out of it.
So what should you do when United asset recovery sues you over a debt?

  • Be sure the debt is yours: you can never be too sure or certain that the debt you’re being sued for is yours. The debt collection agent from United Merchant Asset Recovery should provide you with valuable proof that the debt is actually yours.
  • Don’t run away from the lawsuit: running away or not being present in the court during the lawsuit would implicate you and any decision taken by the court would be final, one of such decisions could be garnishing your account.
  • Get an attorney: don’t think you can fight this on your own and the perfect help you’ll need would be that of an attorney. This case might be beyond negotiating with United Merchant Asset Recovery, but you can start with that before involving an attorney. But if the debt collector doesn’t want to negotiate, your attorney would support and defend you.

Lastly, and maybe most importantly, if you can’t beat the lawsuit and pay your debt, file for bankruptcy. This way the court would “stand with you” and either wave off the debt or find a suitable way to solve the conflict.

Remember, running away from United Merchant Asset Recovery lawsuit doesn’t mean it’s over, instead it puts you in a spot you might not come out from easily. Being sued during United Merchant Asset Recovery debt collection is not the end of you, when it’s all over it can lead to a peaceful beginning.

Who is United Merchant Asset Recovery?

United Merchant Asset Recovery is a third-party debt collector located in Lockport, New York. The company specializes in healthcare revenue management, accelerated receivables management, accelerated receivables solutions, and patient accounting services.

Contact Information

Address: PO Box 545
Lockport, NY 14095
Phone: (877) 599-2008, 8443085530
Fax: (866) 812-0592

Is United Merchant Asset Recovery a scam?

According to the Better Business Bureau website, United Merchant Asset Recovery has been in business since 2011. There have been 8 complaints closed in the last 3 years and 5 complaints closed out in the last 12 months. Read more about it here: United Merchant Asset Recovery Better Business Bureau

United Merchant Asset Recovery Phone Numbers             

Are you receiving any harassing phone calls from any of these numbers?

844-868-8436, 877-664-9642, 877-599-2008, 407-544-3632, 814-351-0205, 888-667-0533, 844-378-7772, 386-478-4129, 850-391-2427

If so, you may be a victim of United Merchant Asset Recovery debt collection harassment. Call us now on 877-700-5790 for further assistance.

The following is a sample list of complaints filed against United Merchant Asset Recovery and can be found on

1:19-cv-00082-JTN-ESC Hitsman et al v. United Merchant Asset Recovery, LLC et al

0:14-cv-00258-RHK-LIB Hendrickson v. United Merchant Asset Recovery, LLC


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 Merchant Asset Recovery. 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 Financial Protection Bureau