Free Help to Stop Universal Collection Systems Collections Harassment

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Universal Collection Systems
Universal Collection Systems claims to treat alleged debtors with respect and dignity. This collection company may have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Find out who they are, why they might be calling, and how you can stop them.

What is Universal Collection Systems?

Universal Collection Systems is a private debt collection agency based in Memphis, Tennessee. It appears as though there are a variety of different complaints against Universal Collection Systems alleging violations of the Fair Debt Collection Practices Act (FDCPA). If a debt collector has contacted you, make sure you understand your rights before taking action.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Universal Collection Systems a Scam?

They’re legit. Universal Collection Systems has been in operation since 1983. However, the Better Business Bureau has not accredited Universal Collection Systems as a business. With this being said, one can still conclude that Universal Collection Systems is a real business. Be sure to contact this collections company regarding your debt instead of writing them off as a scam.

Universal Collection Systems writes on their website that they have a “Collector’s Pledge”. This pledge includes the promises that each employee will: “Believe every person has worth as an individual, believe every person should be treated with dignity and respect, help consumers find ways to pay their just debts, be professional and ethical, and commit to honoring this pledge.” One can conclude that this company would likely take collections matters very seriously, however, it is possible that some complainants may argue the contrary and claim that this collections company violated collector’s law. In regard to leadership, Universal Collection Systems is headed by Mr. Jim Moton, President/Owner; Mr. Larry White, Operations Manager; and Mr. Eddie Shaw, Vice President. Lastly, according to the collections company has “75 total employees across all of its locations and generates $6.83 million in sales (USD).”

Who does Universal Collection Systems collect for?

According to their webpage, they collect on behalf of creditors in the medical, dental, retail, government, cable and utility sectors. While this may be the case, it is still essential that as a consumer you contact Universal Collection Systems to inquire about your specific debt and adequately resolve your debt discrepancy. Furthermore, by contacting the collections company, you award yourself the power to gain necessary information to verify your alleged debt and attain details on the account owed. Acquiring this information is important because due to the outsourcing of debt, one collection account can turn into many reporting on your credit file if the debt is not dealt with.

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. Lemberg Law received an A+ rating from 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 Universal Collection Systems?

There are currently zero complaints filed against Universal Collection Systems with the Better Business Bureau, but there are two, 1 star reviews of the collections company on the BBB. Moreover, if you believe that this collections company may have violated the FDCPA do not hesitant to contact an attorney and file a complaint.

It is also possible that this collections company could have been a part of a variety of lawsuits, sanctions, and penalties according to  Public Access to Court Electronic Records (“PACER”), which reports all federal complaints within the U.S. federal system’s docket. Take a look at the link above to find out whether Statebridge Company falls within this category.

Contact Information

Can Universal Collection Systems Sue Me or Garnish My Wages?

Empty threats to sue you or garnish your wages cannot legally be made by a debt collector. Likewise, if the debt you are alleged to owe cannot be verified, Universal Collection Systems is unlikely to bring the matter to court. However, in order to guarantee the safety of your assets and rights you should contact an attorney for legal advice and protection. The FDCPA protects consumers like you from fraudulent collection practices. Call Lemberg Law today to find out how we can help fight back against fraudulent collection practices.

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against Universal Collection Systems?

Absolutely. You can sue a debt collector. 

Universal Collection Systems Calling You?

The Fair Debt Collection Practices Act protects you from harassment. This includes excessive, threatening, and/or untimely calls from collection agencies. If you are a victim of any of these, you may be able to sue the offending collection agency. You can find these protections listed on the Federal Trade Commission’s website under “Debt Collections FAQs”. Additionally, on top of the FDCPA consumers are also guaranteed legal security through The Telephone Consumer Protection Act (TCPA) and The Consumer Financial Protection Act (CFPA). Contact an attorney preemptively if you find that any of your rights under these collectors’ laws have been violated.

Can I sue Universal Collection Systems for harassment?

Yes. Ultimately, suing is the correct course of action given that your FDCPA, TCPA or CFPA rights have been breached. These federal laws award consumers the power to fight back against unethical collections practices. Take back your power and contact an attorney to defend your rights and guarantee the safety of your assets. Federal Law allows you to protect your FDCPA rights in court. In sum, The FDCPA entitles violated consumers to recover damages of up to $1,000, plus attorney fees and court costs. Call Lemberg Law today to find out how we may be able to assist you with your case.

Want to Stop Universal Collection System Debt Collection Harassment Now?

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies.
  • A collector has called you in the early morning or late night
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your family, friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • A collection company threatened you with negative credit reporting
  • A debt collector attempts to intimidate you
  • A collector accused you of criminal conduct
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

What Our Clients are Saying

“Amazing work! After being harassed for over a month with automated voicemails, I got in touch with Lemberg Law. All I had to do was provide a little information, the numbers, and the voicemail recordings, and they sent me a no-risk, representation agreement. A few weeks later, they called me with a settlement agreement from the company who now agreed to pay me, pay Lemberg’s legal fees, and stop harassing me.”

“They were quick and responsive. I had a debt collector harassing me over a debt that wasn’t mine. They threatened me with ruining my credit. But these guys got it taken care of!! The debt was removed and I received $750 from the collectors. Thank you!!”

“The associates at Lemberg Law took amazing care of me and my situation involving the collection agency. They walked through the steps of process thoroughly and the rest is history. I can’t thank them enough. Thank you!!”

Can You Help Me Delete Universal Collection Systems from My Credit Report?

Yes, we would love to help. Call us today.

Share your story

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Sergei Lemberg

About the Author:

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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