#1 Way to Remove 'United We Collect' (Hurting Your Score)

Most calls mean a creditor assigned United We Collect to pursue an unpaid medical or similar bill that's been placed in collections, so treat the call as an alleged debt until you verify it.

Calmly note the caller's name, company, phone number and any account or reference numbers, then request written validation before discussing or paying anything. Errors and wrong assignments happen often - sometimes from clerical mistakes or identity theft - so document every contact (date, time, what was said) and keep copies of letters. If the amount or account is unfamiliar, send a written dispute and rely on federal protections; review your rights under the FDCPA and, if the call feels overwhelming, seek a free review from a reputable credit specialist instead of handling aggressive collectors alone.

United We Collect most often handles medical-related debts – unpaid hospital bills, physician services and other healthcare charges – though they can collect other consumer debts if a creditor assigns them.

Look for provider names, dates of service and Explanation of Benefits on your statements to match the account; medical balances frequently come from co‑pays, deductibles, out‑of‑network charges, lab/imaging or surprise billing and can carry fees that catch people off guard. The collector's notice should show the original creditor or medical provider; use that to trace the charge before you pay.

Don't pay blind. Contact the hospital or billing office and your insurer, request an itemized bill and demand debt validation from the collector. If something looks off, dispute inaccuracies with the collector and credit bureaus, negotiate payment or a settlement, and consider a professional credit analysis for complex or large balances.

• Primary focus: medical debt (hospital, physician, related healthcare).
• Also possible: other consumer debts if assigned.
• Common sources: co‑pays, deductibles, out‑of‑network and surprise bills.
• First steps: check EOBs, itemized bills, and original creditor.
• Rights/actions: request validation, dispute errors, negotiate or seek professional help.

Mostly legitimate - United We Collect, Inc. (incorporated 2005 in Florida) operates as a medical-debt collection firm with no widely reported FDCPA enforcement cases, but lack of BBB accreditation and limited public transparency mean you should verify everything before paying.

• Verify identity and location: their listed address is 106 Commerce St Ste 101, Lake Mary, FL.
• Ask for written validation and licensing; cross-check their license using the Florida license lookup tool.
• Watch for classic scam red flags: demands for immediate wire or gift-card payment, threats of arrest without court action, or refusal to provide written debt details.
• If you suspect fraud or abuse, submit a complaint to the CFPB.
• If contact continues without proper validation, get a discreet review from a credit expert before escalating.

Act now but stay calm: request debt validation in writing and send it certified. Log dates, times, and names for every contact. Dispute any incorrect tradelines with the credit bureaus if the debt is wrong.

Don't pay via unconventional methods, and only negotiate or settle after verification - bring a consumer attorney or credit specialist in if the situation feels murky.

United We Collect's business address is 106 Commerce St Ste 101, Lake Mary, FL 32746; main phone (407) 833-8900 and fax (407) 833-8930.

• These contact details come from BBB listings and state regulatory filings - send all correspondence by certified mail to build a paper trail.
• Avoid unsolicited calls; speaking by phone can restart collection timelines, so send written requests for information instead.
• When you mail: include the account number, demand debt validation, request return receipt, keep copies and the tracking number.
• Verify licensing and current status on the Florida license verification page.

You're protected by federal law (the FDCPA), which gives you specific rights when a collector like United We Collect contacts you.

You can demand written debt validation within 30 days of their first contact and require the collector to identify themselves and provide accurate, non‑misleading debt details. You can also send a written stop‑contact letter to force them to cease communications, and you're protected from harassment - repeated calls, threats, profanity, or deceptive tactics are illegal.

If they violate these rules, document dates, times, copies of letters, and call logs, then file a complaint with the CFPB or report fraud to the FTC, because FDCPA breaches can entitle you to statutory damages (potentially up to $1,000 per violation) plus attorney fees.

Know your rights so you can answer calls calmly, ask for validation, and control the conversation; if the situation is messy, a short credit repair or consumer‑law consultation can map a safe, effective next step without you having to fight uphill alone.

• Send a certified debt‑validation letter immediately; do it within 30 days of their first contact to force proof or stop collection.
• Mail to: 106 Commerce St Ste 101, Lake Mary, FL 32746 and get a return receipt.

Write a short letter. Include this exact line: "I dispute this debt and request validation including the original creditor's name, amount owed, and proof of assignment". Add your name, address, date, and the account number if you have it. Do not admit the debt. Ask for signed contracts, an itemized statement, and proof of assignment. Keep copies of everything and the certified‑mail receipt.

If United We Collect doesn't give adequate validation (signed agreements or itemized statements), they must cease collection under FDCPA Section 809. You can demand removal from your credit report by disputing with bureaus at Equifax credit report services, Experian dispute center, and TransUnion dispute portal. Persistent reporting without proof is grounds to file a complaint with the CFPB. Consider using a credit‑repair service or dispute coach to speed removal while keeping direct contact minimal.

• Quick checklist: send certified letter, keep copies and return receipt, wait for validation, then dispute with bureaus if no proof.
• If unresolved, file a CFPB complaint and document everything.
• Use credit‑repair options to accelerate removal and limit calls.

Dispute it immediately in writing and force United We Collect to prove the account is yours.

Write a formal dispute in writing to United We Collect that demands validation (original creditor, amount, account number, proof you owe it). Send by certified mail with return receipt, keep copies, and note dates. If you suspect fraud, include a police report or an affidavit of non‑ownership with your dispute. At the same time file credit bureau disputes with Experian, Equifax, and TransUnion online and attach any evidence.

If the collector continues to report an invalid item, that can violate the FCRA - save call logs and letters and document every step; you may be able to sue for damages for credit harm. For speed and multi‑bureau reach, a reputable credit repair service can manage disputes and negotiations, but pick one compliant with the CROA and avoid upfront promises; always keep your own records.

Short answer: no – federal law sharply limits where and when United We Collect can contact you.

They must stop contacting you at work if you tell them it's inconvenient or your employer forbids it. They should not use social media to discuss or publicly message about your debt – that risks privacy and isn't a standard FDCPA method. Calls before 8:00 a.m. or after 9:00 p.m. (your local time) are prohibited. Contacting friends or family is limited to one brief inquiry to locate you and cannot include debt details. If they break these rules, note date/time, call source, and any witnesses.

Do this next: document every violation with timestamps and screenshots, send a clear cease‑and‑desist letter by certified mail, and keep the return receipt. If harassment continues, file a complaint online and consider a credit advisor or attorney if the situation damages your credit or wellbeing – they can help shield and dispute reports. For enforcement, report a complaint to the CFPB.

• Tell them (in writing) not to call your workplace.
• Social media contact = red flag; screenshot it.
• Calls must be between 8 AM–9 PM local time.
• Friends/family can only be contacted once to find you.
• Log every contact (time, number, content, witness).
• Send a certified-mail cease‑and‑desist and keep the receipt.
• If persistent, file with the CFPB and get a credit advisor.

You stop their harassment by sending a written cease-and-desist to United We Collect's address, asserting your FDCPA rights, and escalating to regulators or an attorney if they ignore or violate that demand.

Send the letter by certified mail with return receipt and keep copies and timestamps; state clearly you want all collection calls and messages to stop, and that contact may continue only to confirm cessation or to notify legal action.

If they threaten, use obscenities, repeat calls, or contact third parties, record calls (check your state's recording laws) and file complaints with federal and state authorities - start by file a complaint with the FTC - and consult an FDCPA attorney if violations continue. Suits can recover statutory damages (up to $1,000), actual damages, and attorney fees for each violation, so track emotional and financial effects like stress, lost sleep, or medical visits as evidence.

If you want distance, hire a credit repair pro or an authorized representative to handle disputes and communications, dispute inaccurate listings with the bureaus, and keep meticulous records of every contact, letter, date, time, and content so you're ready if legal action becomes necessary.

Yes - but only when your original contract or state law allows it and the collector can show those charges transparently.

If your cardholder or loan agreement includes post-charge-off interest or specific default fees, a collector may try to add them; many states, though, limit or forbid new interest and extra charges after an account is charged off or sold. Short statute-of‑limitations and state usury rules matter.

Insist on proof. Demand an itemized breakdown in your written validation request and compare every line to your original contract. If the collector can't document the contract clause or the math, those additions are disputable under the FDCPA as misleading. For what collectors can and cannot do, see FTC debt collection rules.

Collectors commonly 'pad' balances with questionable fees, so verify early to stop escalation. If fees look inflated, request contract language, file a written dispute, and push for a negotiated payoff or settlement that removes extra charges.

If handling it alone feels heavy, a free credit counselor or consumer attorney can check state limits, review your original agreement for fee clauses, and advise whether to dispute, complain to your state AG, or negotiate a reduction.

Generally no - *a private collector like United We Collect usually cannot garnish your wages or freeze your bank account without first suing you and winning a court judgment*, but there are important exceptions and steps you should know.

Some government programs can levy or offset payments without a traditional court judgment (for example tax levies, federal student‑loan administrative garnishment, child‑support enforcement, and Treasury offsets), and banks can place holds or exercise setoff rights independently. Social Security and most federal benefits are broadly protected from private creditor garnishment*, though certain federal offsets can still apply. If a freeze or garnishment happens without proper service or a valid judgment, that's improper and illegal.

If you see unexpected bank holds or a garnishment notice, act fast: contact a consumer attorney, call your bank to learn why the hold occurred, and check your county clerk's online court docket to see if a lawsuit was filed. If you were improperly served or unaware of the suit, file motions to vacate or reopen immediately;* and if a judgment already hit your credit, targeted credit‑repair steps can sometimes limit long‑term damage.

No BBB accreditation or public rating appears for United We Collect; their BBB file (opened in 2006) shows no customer score and no detailed complaint summaries, so you won't find a clear star-rating there - see the United We Collect BBB profile for the current file. Low visibility often means a smaller collector, not necessarily better behavior, so treat any notice seriously and document everything.

Quick action checklist:

• Check government records: CFPB complaint database for any filings against them.
• If you find repeated patterns, use those patterns to strengthen disputes or validation requests.
• Keep all notices, call logs, and written requests - they matter in disputes and FDCPA claims.
• Absent public BBB complaints, rely on CFPB records and your own documentation to prove errors or harassment.

As of 2025, no active or settled class-action lawsuits were found specifically against United We Collect in public databases like ClassAction.org or CFPB records; however, similar agencies face suits for FDCPA violations, so monitor sites like ClassAction.org case listings for emerging cases. If you suspect systemic issues like widespread invalid debt pursuits, join consumer forums or contact attorneys specializing in class actions for potential inclusion. Uniquely, absence of suits doesn't guarantee compliance - individual complaints can still yield remedies. ([suethecollector.com](https://www.suethecollector.com/united-we-collect-inc/?utm_source=chatg…), [fairshake.com](https://fairshake.com/cfpb/united-we-collect-inc/2021/10/p1/?utm_source…))

Collections firms often attract FDCPA class claims when many consumers report the same abuses, and other 'United…' or similar-named collectors have been hit with proposed class actions in the past, so watch for patterns rather than a single headline. Even without a class suit, public complaint logs (CFPB, BBB) show consumers reporting validation failures and reporting errors, which are the usual seeds for wider litigation. ([classaction.org](https://www.classaction.org/news/united-collection-service-facing-class…), [bbb.org](https://www.bbb.org/us/fl/lake-mary/profile/collections-agencies/united…))

If you think there's a systemic problem, collect proof now: preserve letters, call logs, dates, and credit reports. Send a written debt-validation request under FDCPA, file a CFPB complaint and a BBB or state attorney general complaint, and speak to consumer-class counsel about whether your case fits a wider claim. Individual FDCPA or FCRA suits also succeed without a class action, so document everything and get legal advice if multiple consumers show the same violations. ([fairshake.com](https://fairshake.com/cfpb/united-we-collect-inc/2021/10/p1/?utm_source…), [casemine.com](https://www.casemine.com/judgement/us/5914f5f1add7b0493498cde8?utm_sour…))

Act fast: note the postmark date and send a written dispute within 30 days to force validation and preserve your FDCPA rights.

Read the notice closely for FDCPA-required disclosures - the right to dispute, creditor identity, amount claimed, and any validation language - and flag anything missing or inconsistent.

• 1) Date and preserve the notice (photograph it and note postmark).
• 2) Mail a written dispute/validation request within 30 days (certified mail + return receipt; keep copies).
• 3) Demand validation details: original creditor, account number, chain of title, signed contract and itemized charges.
• 4) Log all contacts (dates, names, phone numbers, call summaries).
• 5) Don't admit liability or make partial payments before you have written proof.

Collect matching documents (statements, payment records, prior letters) and compare accounts on your credit reports - check your free credit reports - to see how this entry affects your score.

If United We Collect validates the debt, negotiate quietly in writing and get any settlement or pay-for-delete promise in writing before paying; if they fail to validate, dispute with bureaus and consider a consumer-attorney or credit pro review - professionals often spot procedural flaws that stop collections.

Don't ignore United We Collect - silence usually escalates the problem: accounts can be reported, suits filed, and judgments entered that damage credit for about seven years.

They can also pursue fees, try to garnish wages or levy bank accounts if they win in court.

Ignoring gives collectors room to intensify tactics.

• If you can't pay, act even if funds are zero.
• Send only brief written requests for validation or a hardship plan; avoid admissions that could restart the statute of limitations in some states.
• Ask about hardship programs or a written settlement offer.
• See the CFPB debt help page for free options and next steps.

Court papers are different - never ignore a summons.

Responding to a lawsuit often matters more than paying the collector.

Strategic, measured replies can block escalation and preserve legal defenses.

• Keep dated copies of every letter, call note, and payment offer.
• Consider a credit pro or consumer-attorney to dispute, negotiate, or pursue validation if debt details are weak - strategic disputes can sometimes remove the account without payment.
• If debts overwhelm you, explore bankruptcy or free legal aid for realistic relief options.

Not necessarily - settling can save you money, but only if you secure a clear written deal before you pay.

Insist on a written "pay‑for‑delete" that says the account will be removed from credit reports and marked paid in full, and keep that signed copy. Start offers around 30–50% of the balance and support low offers with hardship documentation. Be aware this can restart the "debt clock" (a payment or written acknowledgment can revive collection or the statute of limitations in some states) and forgiven amounts over $600 may be taxable - see IRS guidance on canceled debt.

Major risks: verbal promises, vague emails, or partial letters lead to renewed collection or mismatched reporting - so record everything, get dates, and only pay after you have the exact terms in writing. If the debt is questionable, consider filing disputes or using credit‑repair routes (including free bureau disputes) instead of negotiating, especially when you can prove the debt is wrong.

They can sue you civilly for unpaid debts, but they cannot have you arrested for owing money.

What to know and immediate steps:

• Statute of limitations: a collector may sue only while a claim is live under state law (commonly 3–6 years; typically 3–6 years in Florida).
• No arrest for debt: collection is civil; any threat of arrest is illegal under the FDCPA.
• If you're served: respond right away - file a written answer (missing the deadline risks a default judgment).
• Watch for filings: check federal court records at PACER for federal suits and your county clerk for state cases.
• Be careful: paying or admitting the debt can restart the clock in some states.
• If overwhelmed: consult a consumer attorney, legal aid, or a reputable credit specialist for defense or negotiation.

Don't ignore notices - document everything, request validation in writing, and get legal help if a summons shows up so you don't lose by default.

You can sue them, report them to regulators, or join a group lawsuit to recover statutory and actual damages and stop unlawful collection.

Start by suing for FDCPA violations in small-claims court or federal court; plaintiffs can seek about $1,000 per violation plus actual damages (lost wages, emotional distress) and attorney fees when applicable, so collect call logs, voicemails, letters, screenshots, and witness notes as proof and consider a written demand or cease-and-desist before filing.

File regulatory complaints to prompt investigations and possible fines: submit a CFPB complaint and also contact your state attorney general's consumer division, including dates, copies of messages, and account details to increase the chance of enforcement.

If United We Collect shows a pattern, a class action or multi-plaintiff suit can amplify results and pressure for settlements; talk to a consumer attorney about commonality and standing, and if you have low income seek assistance through Legal Services Corporation or local legal aid.

Preserve every document, act quickly (statutes of limitation vary by state), weigh small-claims for speed versus federal suits for higher statutory relief, and get a consumer attorney if damages or harassment are significant.

Yes - you can sometimes avoid paying a collector if the claim is invalid, unproven, or legally time‑barred, but it requires timely, precise action rather than hoping they go away.

If the debt isn't yours, the collector can't legally keep it on your report without proof. Send a written debt‑validation request within 30 days of first contact, demand account-level documentation, and insist they show chain‑of‑title. Use certified mail, keep copies, and note dates; if they fail to validate, dispute the entry with the credit bureaus and push for removal.

Old debts may be time‑barred from lawsuits under your state's statute of limitations. That usually prevents a court judgment, but it doesn't automatically erase the balance. Don't make payments or admit the debt without understanding your state rules - some payments can restart the clock.

Bankruptcy can discharge many eligible debts, but it leaves a public record and hurts credit long term (Chapter 7 typically appears about 10 years; Chapter 13 about 7). Certain obligations - recent taxes, most student loans, child support - may not be wiped out.

If a collector verifies the debt and it's valid, negotiation or a paid‑for‑delete (rare) are practical options; if verification is absent, credit‑repair disputes often succeed by exposing procedural errors collectors overlook. Beware paid credit‑repair scams; DIY disputes or a reputable consumer‑law attorney are safer.

Act immediately: request validation, file written disputes with bureaus if proof isn't provided, send a cease‑and‑desist if they harass, and consult a consumer attorney before responding to a lawsuit or making payments that could reset legal deadlines.

If the United We Collect item is disputable, pursue credit repair; paying them usually confirms the debt and rarely forces deletion.

Credit repair works by challenging how the entry was reported to the bureaus, exposing errors (wrong creditor, balance, dates, duplicate or time‑barred accounts) and sometimes getting removals without you paying. It's not magic - legitimate repair uncovers layered reporting problems and creates leverage collectors don't have, but results take weeks and aren't guaranteed. Vet any firm under the Credit Repair Organizations Act: insist on a written plan, avoid big up‑front fees, get a free consultation, and prefer firms that document every dispute. If you accept the debt or need immediate silence, negotiate payment with a written settlement or a written pay‑for‑delete before sending money, and always keep copies of every letter and proof of agreement.