United Resources Systems , Inc. (URS) is a third-party collection agency based in Colorado that specializes in medical debt recovery. URS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failure to verify debts and attempting to collect debts not owed. If you have been contacted by URS, make sure you understand your rights before responding.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), United Resource Systems, Inc. is a legitimate collection agency founded in 1994 and incorporated in 1996. The BBB established its profile page in 1996. URS is listed as a collection agency and consumer finance and loan company that uses the alternate business names, United Billing Services and CareMed Partners. Buzzfile estimates URS’ annual revenue at $4 million and the size of its staff at 35 people.
According to its website, URS “has collected debt for a variety of industries since [its] inception, including healthcare, government, retail, financial institutions, and commercial clients.” URS provides “clients with the opportunity to participate in the collection process from account booking to resolution… [via its] online Client Resource Center.”
United Resource Systems offers professional services in six main areas: medical billing; medical debt recovery; medical appeals; debt recovery; legal services; and consulting and training programs. Medical billing and medical appeals processing is offered as an extended business office service for healthcare providers and includes account scrubbing for billing code errors, electronic claim submission, review of patient benefits, coverage verification, and appeal letter submission.
Medical debt recovery agents begin by “disputing and resubmitting the account to third party payers or self-pay collection…Next,patients refusing to pay…will be reviewed for potential legal action… Patients without the ability to pay…will be offered a settlement or payment plan option.” Debt recovery service for non-medical clients “typically starts within 3 business days… Upon verification of customer information, a recovery agent will call and begin to negotiate a resolution.” Reporting delinquencies to the credit reporting agencies and possible litigation are reserved for more difficult to collect accounts.
URS’ Compliance and Security page cites adherence to the Fair Debt Collection Practices Act (FDCPA), Health Insurance Portability and Accountability Act (HIPAA), the Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA), and the Service members Civil Relief Act (SCRA). Their Consumer FAQ page offers some basic information for site visitors. However, there are no links or references to consumer protection resources, laws, or enforcement 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.
The BBB has closed 9 complaints against United Resource Systems in the past three years, with 2 closed in the past 12 months. Complaints are fairly evenly split between those alleging problems with billing and collections and those alleging problems with advertising and sales. Since August 2015, the Consumer Financial Protection Bureau (CFPB) has received 9 complaints about URS. Justia lists at least 4 cases of civil litigation naming URS as a defendant.
United Resource Systems, Inc.
3501 S. Teller Street
Lakewood. CO 80235
Telephone: (800) 684-3320
Website: http://www.uniteability.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely URS 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!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a Sample Case Complaint:
In November 2003, in United States District Court for the District of Hawaii, a judge issued an Order regarding defendants’ motion to dismiss charges that they had violated provisions of the Fair Credit Reporting Act (FCRA). In this case, the plaintiff cited a very long and complicated record of multiple creditors and collection agencies who had reported variously conflicting information about his payment history on credit accounts; the status of accounts that had been sent to collections; and the results of investigations he had requested into his allegations that their accounting and reporting contained errors. Those errors resulted in several alleged legal violations on eight separate counts: negligence in the reporting and collection of the disputed accounts, each subsequent reporting and re-reporting, and the handling and reinvestigation of data (Count I); defamation by publishing and disseminating false statements about Plaintiff and damaging his reputation with willful intent to injure (Count II); violation of the Fair Credit Reporting Act (FCRA)…by failing to respond to reinvestigation requests and failing to supply accurate information (Count III); violation of the FCRA…by failing to adopt and follow reasonable procedures to assure the maximum possible accuracy of Plaintiff’s consumer credit (Count IV); violation of the FCRA…by re-inserting false information into Plaintiff’s consumer reports after having removed the information previously (Count V); violation of the FCRA…for failing to properly reinvestigate Plaintiff’s disputes (Count VI); violation…of state debt collection practices (Count VII); and violation…of [the] Federal Fair Debt Collection Practices Act (Count VIII).”
URS was one of many defendants. In 1998, the plaintiff had attended a truck driving training course at Professional Driver’s Institute (PDI), which he had been told would be paid for by his employer, Swift Transportation. He had received a notice of the installment payment agreement from PDI that he assumed was being paid by his employer; however, after his termination from Swift and reactivation with the Marines, Swift had not continued to pay the education loan, which was sent to URS for collection. The plaintiff only discovered the delinquency after being declined for credit. The plaintiff cited many other instances of disputed accounting and credit reporting, as well as his efforts to request investigation and correction. Unfortunately, his attempt to address all his concerns in the United States District Court of Hawaii required the court to address concerns of jurisdiction because his complaint originated in various regions throughout the continental United States. In the November 2003 case, the court determined that they did not have jurisdiction to make a ruling regarding all his concerns. Two of the defendants were granted their motion to dismiss for lack of jurisdiction; however, URS was not one of those defendants.
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).
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.
You may have a case, if…
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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United Resource Systems (URS) keeps contacting us about an ambulance bill we paid directly to the ambulance company. The man who calls is a real nutjob. One minute he seems professional and polite the next he is hanging up on me or trying to talk about personal things like he’s a friend (not and no thank you!).