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Upstate Collection Center Incorporated

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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.

  • 3 Comments

    1. Betty S. on April 8, 2015 at 9:48 pm

      I needed an ambulance. I have health insurance from the State of New York. For some reason, the hospital sold my account to Upstate Collection Center. I got a letter from the Upstate Collection Center saying that I have to pay the bills. I immediately contacted the ambulance company and I submitted my insurance information. They submitted the bill to my insurance and my insurance paid whole amount in full. But Upstate Collection Center reported to the credit bureaus.

    2. Shannon F. on May 25, 2015 at 6:21 pm

      Upstate Collection Center has failed to provide legally required evidence of the account they are reporting on my credit report. Upstate Collection Center are violating my rights and the laws of the Fair Credit Reporting Act. Upstate Collection Center should remove this unverified and inaccurate account in accordance with the Fair Credit Reporting Act.

    3. Kathryn C. on August 23, 2015 at 10:33 pm

      Upstate Collection Center Incorporated received my request for debt validation. Upstate Collection Center Incorporated has failed to respond but continues to try to collect. Upstate Collection Center Incorporated is also reporting on my credit report.

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    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.