When debt collectors cross the line, our attorneys can help.

Get a Free Case Review

Universal Account Servicing LLC


702 Felix St
Saint Joseph, MO 64501-2236

Contact Them:

Phone: (816) 233-2299
Fax: (816) 817-0887

premium wordpress themes

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to utilize unfair or unconscionable means to collect an alleged debt.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Devin S. on August 7, 2015 at 7:28 pm

      Universal Account Servicing LLC is calling me from 8882332302. Not sure what Universal Account Servicing LLC wants, because I don’t answer the phone and they won’t say in their message. I sure wish Universal Account Servicing LLC would stop calling me, though. It’s annoying.

    2. comparison and contrast essay topics on November 12, 2021 at 4:49 pm

      Many thanks, this site is really helpful.

    3. jackpot city online casino on November 14, 2021 at 9:08 pm

      You’ve got incredible thing on this web-site.

    4. sex drinking games on November 18, 2021 at 12:36 am

      Keep up the outstanding job !! Lovin’ it!

    5. games of sex on November 18, 2021 at 4:36 pm

      Simply just needed to emphasize I’m just happy I came on the page!

    6. Seriously, such a handy websites.

    7. sex games with stepsis and friends on November 18, 2021 at 11:04 pm

      The info is extremely useful.

    8. dangerous sex games on November 18, 2021 at 11:10 pm

      thank so a lot for your site it assists a great deal.

    9. keto syrup on November 19, 2021 at 1:16 pm

      You’ve gotten impressive stuff on this site.

    10. keto beer on November 20, 2021 at 4:30 am

      Wow cuz this is great work! Congrats and keep it up.

    11. short term keto diet on November 20, 2021 at 12:35 pm

      Passion the site– really individual friendly and whole lots
      to see!

    Share Your Experience

    For security, use of Google's reCAPTCHA service is required which is subject to the Google Privacy Policy and Terms of Use.

    I agree to these terms.

    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.