Unifin Inc is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Unifin Inc?
Unifin , Inc. is a Business Process Outsourcing (BPO) and Accounts Receivable Management (ARM) company that specializes in third-party debt collection. Unifin has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including illegal communication tactics and attempting to collect debts not owed. If you have been contacted by Unifin,take some time to understand your rights before responding.
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Is Unifin Inc a scam?
They’re legit. According to the Better Business Bureau (BBB), Unifin, Inc. is a legitimate collection agency, founded and incorporated in June 2011. The BBB established its profile page in September 2012. Unifin is listed as a collection agency and collection systems provider. Buzzfile estimates Unifin’s annual revenue at about $450,000 and the size of its headquarters staff at 5 employees.
According to its website, Unifin is “a full-service BPO and Accounts Receivable Management firm licensed and bonded nationally.” Unifin Inc provides solutions that “enable businesses to meet the challenges associated with their BPO needs…improve efficiency, generate more revenue, improve cash flow, and increase ROI.”
Unifin Inc cites four areas in which they claim their services outperform the competition: data security, regulatory compliance, business operations transparency, and performance in collecting delinquencies. To support these claims, their website cites their information security program; a secure web portal for client relations; high ethical standards; and compliance with nationally accredited licensing and bonding programs. However, as for compliance, they do not provide any information about consumer protection laws or enforcement agencies, except for a link to the Debt Buyers Association website.
Who does Unifin collect for?
Unifin Inc collects delinquent debts for student loan lenders, healthcare providers, utility and telecommunications providers, and government agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Unifin Inc?
As of February 2018, the Better Business Bureau (BBB) has closed 13 complaints against Unifin Inc in the preceding 3 years, with 8 complaints closed in the past 12 months. Complaints allege problems with billing and collections; customer service; and advertising and sales. As of December 2015, the Consumer Financial Protection Bureau (CFPB) has received 1 complaint about Unifin, and Justia lists at least 2 causes of civil litigation involving Unifin Inc.
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Unifin would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Complaints against Unifin Inc cite problems resulting from hostile and abusive telephone representatives who blame consumers for the abuses of Unifin employees. For example, in July 2017, a complainant indicated he had been receiving calls at work from a Unifin representative after informing them that he was not allowed to receive calls at work. This conduct is a direct violation of the FDCPA. The complainant indicated that he had acknowledged that the debt was valid and that he intended to pay it, but specifically requested that he not be called at work. In response, Unifin refused to accept responsibility for the violation, simply stating that there was not a “Do not call at work” notification on the complainant’s account. The Unifin representative who responded to the complaint offered a lengthy explanation about how their collection agents are supposed to document accounts, but ultimately blamed the consumer for their failure to adhere to regulations.
Similarly, in January 2016, a complainant indicated that Unifin representatives repeatedly engaged in abusive and harassing conduct during telephone conversations. Initially, the complainant indicated that when he began contacting Unifin Inc, their representatives continually hung up on him. Subsequently, when he requested validation of his debt, they allegedly refused to send any documentation; failed to inform him that they were a debt collector attempting to collect a debt; failed to inform him that his call was being recorded; and yelled at him. Allegedly, Unifin representatives then accused the complainant of harassing them because he “kept calling back demanding to speak to a supervisor or get the address to send a complaint.” The complainant also allegedly asked them to stop calling him, and a Unifin representative “refused…said it was within their rights…that they would still pursue debt collection and threatened to call him back.” In response to this complaint, Unifin offered an apology if the complainant felt “like our representatives were rude.” However, rather than accepting responsibility for the misconduct, they merely insisted that Unifin Inc prides itself on “being a complaint (sic) debt collection agency that adheres to all the laws and regulations that apply to our industry.
Unifin Inc Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue Unifin for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Want to Stop Unifin Inc Debt Collection Harassment Now?
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.