CONSUMER RESOURCES

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

Get a Free Case Review

Universal Credit Services

Address:

3588 Avon
Hartland, MI 48353-7707

Contact Them:

Phone: (810) 632-3450
Fax: (810) 632-3455

www.map-embed.com

Fact: Pursuant to the Fair Debt Collection Practices Act, communications from collection agencies must contain this Mini Miranda warning: “This is an attempt to collect a 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.

  • 37 Comments

    1. Byron W. on August 14, 2015 at 6:43 pm

      Universal Credit Services is reporting on my credit report. Don’t know who Universal Credit Services is or why they are on my credit. I need Universal Credit Services’s negative marks off my credit.



    2. Merlyn on December 9, 2015 at 12:10 pm

      Sent a letter of dispute, certified mail, they refused to accept it and letter was returned…



    3. what is an argumentative essay on November 13, 2021 at 12:00 pm

      thank a lot for your website it helps a lot. http://multiessay.com/



    4. no deposit online casino bonus on November 14, 2021 at 8:59 pm

      Hiya, good website you’ve gotten going here. https://casinogamesmachines.com/



    5. sex games anime on November 18, 2021 at 12:34 am

      Sustain the spectacular work !! Lovin’ it! https://sexygamess.com/



    6. 69 sex games on November 18, 2021 at 4:29 pm

      Keep up the excellent work and delivering in the crowd! https://winsexgames.com/



    7. keto mashed cauliflower on November 18, 2021 at 9:47 pm

      Fantastic Web site, Preserve the fantastic job. Thank you! https://ketogendiet.net/



    8. mlp sex games banned from on November 18, 2021 at 10:58 pm

      Hey there, good web-site you’ve got there. https://sexgamesx.net/



    9. group sex games cum on November 18, 2021 at 11:05 pm

      Great looking website. Assume you did a great deal of your very own html coding. https://sex4games.com/



    10. keto diet pros and cons on November 19, 2021 at 1:11 pm

      Great internet site! It looks extremely expert!

      Maintain the good work! https://ketogenicdiets.net/



    11. short term keto diet on November 20, 2021 at 4:21 am

      Thanks, this website is extremely beneficial. https://ketogenicdietinfo.com/



    12. keto protein bars on November 20, 2021 at 12:29 pm

      Superb webpage you’ve in here. https://ketogendiets.com/



    13. topwritemyessay on December 8, 2021 at 2:35 pm

      Love the site– very individual pleasant and whole lots to see! http://test.com



    14. best essay writing on December 11, 2021 at 9:11 am

      Surprisingly user pleasant site. Enormous info
      available on few gos to. https://anenglishessay.com/



    15. free p2p vpn on December 11, 2021 at 8:30 pm

      You’re a very practical internet site; couldn’t make it without ya! https://windowsvpns.com/



    16. nursing critical thinking examples on December 12, 2021 at 11:32 pm

      You’ve gotten among the finest web sites. https://criticalthinkinginstitute.com/



    17. memoir essay examples on December 13, 2021 at 6:40 am

      You’ve got one of the best websites. https://yoursuperessay.com/



    18. fastest vpn services on December 13, 2021 at 4:03 pm

      You’ve the most impressive websites. https://addonsvpn.com/



    19. write an expository essay on December 16, 2021 at 5:37 am

      Thanks a bunch! This a very good web page! https://topessayswriter.com/



    20. best vpn multiple devices on December 16, 2021 at 8:44 am

      You’re a really valuable web site; couldn’t make it without ya! https://choosevpn.net/



    21. critical thinking for students on December 16, 2021 at 10:02 am

      Sustain the helpful job and generating the crowd! https://criticalthinkingbasics.com/



    22. creative writing essays on December 16, 2021 at 6:52 pm

      Appreciate it for sharing your fantastic internet site. https://howtowriteessaytips.com/



    23. the best vpn on December 17, 2021 at 12:35 am

      Thanks intended for delivering this type of awesome subject material. https://vpn4home.com/



    24. best free vpn for tor on December 17, 2021 at 1:08 pm

      Very good content you’ve got there. https://topvpndeals.net/



    25. best business vpn router on December 17, 2021 at 4:49 pm

      I love this website – its so usefull and helpfull. https://vpn4torrents.com/



    26. best vpn deals on December 21, 2021 at 11:30 am

      Greetings, well put together website you have right now. https://thebestvpnpro.com/



    27. manhunt on December 21, 2021 at 2:00 pm

      Thanks extremely helpful. Will share site with my friends. https://speedgaydate.com/



    28. gay voice chat on December 21, 2021 at 2:41 pm

      You’re a very practical website; could not make
      it without ya! https://bjsgaychatroom.info/



    29. gay sex chat simulator on December 28, 2021 at 10:43 pm

      Great looking internet site. Think you did a lot of your own coding. https://gaypridee.com/



    30. gay chat rooms on aol town square on December 30, 2021 at 2:30 pm

      Wow, stunning portal. Thnx … https://gay-buddies.com/



    31. gunlake online casino on January 9, 2022 at 9:09 am

      Many thanks, this website is really useful. gunlake online casino



    32. comparative story essay ex on January 12, 2022 at 3:37 pm

      123helpme free essay number mla format sample essay informative essay topics comparative story essay ex



    33. budgeting wedding essay on January 12, 2022 at 11:54 pm

      free essay writer why wisconsin essay prompt what is a dbq essay budgeting wedding essay



    34. gay teen dating for wyoming on January 14, 2022 at 1:41 am

      top gay dating sites dallas texas new dating gay sites
      reviews of gay dating web sites gay teen dating for wyoming



    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.