USI Solutions Debt Collection Harassment
Tired of USI Solutions Debt Collection Harassment? Wish there was a way to make the calls stop? Is USI Solutions constantly calling and harassing you? Does your phone ring every day, several times per day, because USI Solutions is calling you to demand payment? Threatening you with legal action? Has USI Solutions ever used abusive or profane language when speaking with you on the phone? If so, USI Solutions may be violating your legal rights. Stop the harassment.
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. Such lawsuits are typically filed in the United States District Court, which is the federal district court responsible for hearing these cases. In these proceedings, the debt collector becomes the defendant in the district 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, which may require hiring a lawyer. Violating the FDCPA can result in liability for the defendant, including damages and legal fees.
Is USI Solutions a scam?
According to the Better Business Bureau website, USI Solutions has been in business since 2013. There have been 54 complaints closed in the last 3 years and 45 complaints closed out in the last 12 months.
USI Solutions Better Business Bureau
Who is USI Solutions?
USI Solutions is a third party debt collector located in Bristol, Pennsylvania. They have been a party to several federal cases based on their issuance of credit and collection of debts incurred on their credit cards. In these cases, the filing of legal documents, such as complaints, motions, and answers, is required by the parties involved. Defendant USI Solutions is required to file an answer by a specific date in response to a complaint, and all filings become part of the official court record. Each document filed in these cases, including motions and court orders, is maintained as part of the court record. Furthermore, a recent Federal Court case alleges that USI Solutions used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
Address: 1408 Mill Street Bristol, PA 19007 Phone: (267) 414-0092 Fax: (267) 414-0106
USI Solutions Debt Collection Harassment Tactics
If USI Solutions engages in any of the following tactics, you may have a case:
- Calls before 8:00 a.m. or after 9:00 p.m. or at any time or that they are given notice that it is inconvenient to call (FDCPA 15 U.S.C. 1692c)
- Talking to others about your debt (FDCPA 15 U.S.C. 1692b)
- Call the consumer’s place of employment if they have been advised that calls cannot be accepted at work. (FDCPA 15 U.S.C. 1692c)
- Use any profane language or any language that is harassing and abusive (FDCPA 15 U.S.C. 1692d)
- Engage in any conduct, the natural consequence of which is to harass, abuse or oppress. (FDCPA 15 U.S.C. 1692d)
- Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment, including creating false impressions about the amount owed, the balance, or the interest accruing on the debt (FDCPA 15 U.S.C. 1692e)
- Threaten arrest or criminal prosecution ( FDCPA 15 U.S.C. 1692e)
- Send false information to the credit bureaus ( FDCPA 15 U.S.C. 1692e)
- Cause a telephone to ring an unreasonable amount of times ( FDCPA 15 U.S.C. 1692d)
The nature of these violations often involves an employee of the debt collection agency using deceptive tactics to collect money. Misrepresentations can include false statements about the balance or interest on your account, or attempts to create the impression that a third party or attorney is involved when they are not.
USI Solutions may act on behalf of a creditor or creditors, but their actions must comply with the FDCPA, which regulates both debt collectors and, in some cases, creditors who use deceptive practices.
USI Solutions Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
267-414-0092, 267-368-4748, (267) 414-0106
If so, you may be a victim of USI Solutions debt collection harassment. The list above is not all the numbers that USI Solutions uses. Also, calls can be from a different numbers and it still be USI Solutions calling you. Contact our office right away so we can start the process to stop USI Solutions from calling you illegally. Above all, no one should live with harassment.
Removing USI Solutions Debt from Your Credit Report
Dealing with a debt collection agency like USI Solutions can be stressful, especially when their collection activities show up on your credit report. If you’ve discovered a USI Solutions debt entry on your credit reports, it’s important to take action to ensure your credit information is accurate and reflects fair debt collection practices.
Start by carefully reviewing your credit report for any accounts or collection letters from USI Solutions Inc. Look for errors such as incorrect balances, payment status, or even debts that don’t belong to you. If you spot any inaccuracies, you have the right under federal laws—including the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA)—to dispute the entry. File a dispute with the credit bureau, and be sure to include any supporting documents that verify your claim, such as payment records or correspondence with the debt collector.
If you believe the debt is not yours, or if you suspect identity theft, request that USI Solutions verify the debt. Debt collectors are required by law to provide documentation proving the debt is valid and that you are the correct person responsible. If they cannot verify the debt, you can request its removal from your credit report.
For debts you have paid, ask USI Solutions to update the status to “paid” on your credit report. While this won’t automatically remove the entry, it can improve your credit standing. In some cases, you may be able to negotiate a “pay for delete” agreement, where the debt collection agency agrees to remove the negative entry in exchange for payment. Always get any such agreement in writing before making a payment to protect yourself from future disputes.
If you feel USI Solutions has violated your rights—such as reporting inaccurate information, failing to verify a debt, or using unfair collection tactics—you can file a complaint with the Better Business Bureau or the Federal Trade Commission. In some cases, consumers have taken legal action and won. For example, in Teskie v. USI Solutions, Inc., the court sided with the plaintiff after USI Solutions sent a collection letter that was not properly signed by an attorney, highlighting the importance of following federal laws and procedures.
Common Questions:
Is USI Solutions a scam? No, USI Solutions has been in business since 2013.
Can USI Solutions seize my property? USI Solutions 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 filed a suit and obtained a judgment against you, the debt collector may be able to take certain property as permitted by the court.
Can USI Solutions sue me? Yes, USI Solutions can file a suit against you so long as the debt is within the statute of limitations.
Can USI Solutions report my debt to the collections bureaus? Yes, debt collectors are allowed to place the collection account on your credit report.
Can USI Solutions arrest me? No, USI Solutions cannot arrest you.
The following is a sample list of complaints filed against USI Solutions and can be found on Pacer.org.
5:19-cv-01318-GW-SHK Vickie Watts v. USI Solutions, Inc., et al
1:19-cv-04618 Santos v. USI Solutions, Inc.
4:19-cv-04132-SLD-JEH Gosney v. USI Solutions, Inc.
1:19-cv-00423-PLM-PJG Clapp v. USI Solutions, Inc.
4:19-cv-01948 Mackey v. USI Solutions, Inc.
These cases may involve hearings, motions for dismissal, and the assertion of affirmative defenses by the defendants, including USI Solutions and other parties. The defendants are required to file an answer to the complaint, and the process of answering must comply with court rules. Sometimes, the court may grant an extension for filing an answer, and the clerk is directed by the court to enter defaults if deadlines are missed. Some cases are referred to attorneys for further action, and the court will review the filings and arguments before issuing a decision. Motions may be denied by the court, and dismissal of claims can occur at various stages of the suit. The answers and legal responses from the defendants are part of the court record.
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. Their counsel can help you manage communications with debt collectors and provide legal advice on your rights. Contact a legal professional to stop USI Solutions debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm, PLLC Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent even more USI Solutions debt collection harassment, call us at .
Success Stories
“What an amazing experience I had with Consumer Rights Law firm. I kept getting constant calls from a debt collector who was asking for someone I didn’t know. After explaining over and over I was not the person they were looking for, The calls still continued , it became frustrating and very annoying. I came across this firm and just called to talk to someone to see how I could get the calls to stop. I spoke to a gentleman that was very professional and very helpful. Not only did they get the calls to stop immediately , they were able to put some money in my pocket as well , Here’s the best thing, it cost me nothing for them to help me. They come highly recommended. Thank you Consumer Rights”
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions. The staff were very courteous and helpful, and they explained my rights and options clearly. They were familiar with the Collection Agencies in question and the harassment calls stopped, I was even compensated. I would recommend this company to anyone going thru this type of harassment—a very satisfied customer.”
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! I was in a similar situation to others who have faced debt collection harassment. They were very professional and straightforward about my rights.”
Check out a links below for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
https://consumerlawfirmcenter.com/nationwide-debt-management-solutions-debt-collection-harassment/
https://consumerlawfirmcenter.com/tucker-albin-associates-debt-collection-harassment/
