Home / Who is 8005561260 (+ how are they hurting my credit score)

Who is 8005561260 (+ how are they hurting my credit score)

  • Phone number 8005561260 is likely a debt collector called:' United Collection Bureau, Inc. (UCB)'.
  • Your credit score likely dropped because this is potentially a debt collection on your report.
  • Call 1(888)-488-5855 and learn how we can help you potentially improve your score.
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Main phone number related with this page is: 8337632031

Calls from 800-556-1260 mean United Collection Bureau, Inc. (UCB) might try to collect debt. It could be a real debt collector or just spam. Ignoring the calls won’t solve anything, just providing a brief break from the harassment.

If UCB contacts you, they probably bought an old debt and now want payment. Blocking the number might seem appealing, but it won’t erase the debt. You need a lasting solution to stop these calls.

Call The Credit Pros at 800-556-1260. We will review your full 3-bureau credit report and confirm if UCB is a legitimate collector. We’ve helped many people in your situation by removing potentially inaccurate items, boosting credit scores, and restoring financial balance. No more harassing calls, just peace of mind.

Who Is 8005561260: Scam Or Legitimate

The phone number 800-556-1260 is associated with United Collection Bureau, a debt collection agency. However, it could also be a scam. It's important that you don't engage directly with the caller, whether they are legitimate or not. You should never pay any debt immediately if you are uncertain about the details.

We advise you to pull your credit report and check for any inaccurate or negative items. If United Collection Bureau appears on your report, the call might be legitimate, but you should still avoid responding directly. The Credit Pros can help you verify the debt, dispute inaccuracies, and improve your financial situation.

To take the next steps, you should:

• Block the number.
• Review your credit report for discrepancies.
• Contact us for a free 3-bureau credit report evaluation.

To sum up, blocking the number, reviewing your credit report, and seeking professional assistance will help manage your financial health and protect you from potential scams. We’re here to support you through this process.

How Do I Stop 8005561260 From Harassing Me (How To Report Them)

To stop 8005561260 from harassing you, follow these steps:

First, document every unwanted call. Keep a log with dates, times, and details of the conversations. This will be crucial if you need to escalate the issue.

Next, register your number at DoNotCall.gov and block the number on your phone. Your service provider may also offer blocking assistance.

If the harassment continues, consider these measures:
- Restraining Order: If calls become threatening, you might need to file for a restraining order.
- Hire a Lawyer: Harassment is illegal, and a lawyer can guide you through the legal processes.
- Cease and Desist Letter: Send one using a template from eforms.com/cease-and-desist.

Utilize call-blocking apps to reduce these nuisance calls:
- For Android: Try 'Call Blocker - Stop spam calls'.
- For Apple: Use 'Robokiller: Spam Call Blocker'.

File complaints with relevant authorities:
- Federal Communications Commission (FCC): Report at fcc.gov/complaints.
- Federal Trade Commission (FTC): File telemarketing complaints at ReportFraud.ftc.gov or DoNotCall.gov.

Additionally, contact the Consumer Financial Protection Bureau (CFPB):
- Submit a complaint online at consumerfinance.gov/complaint or call (855) 411-2372. Include as many details as possible.

Nomorobo users can report robocalls through their service. Also, check with your phone carrier for any call-blocking tools they offer. Explore resources from your local or state consumer protection office for additional help.

To wrap things up, ensure you document everything, use call-blocking tools, report to the FCC and FTC, and seek legal help if necessary. Stay proactive and empowered!

Stop the harassment today. Reach out to us for expert help. Call (888) 488-5855

Should I Block Or Ignore 8005561260

You should block 800-556-1260. Ignoring the calls can be frustrating, but blocking the number is a smart move, especially if it's from a debt collector like United Collection Bureau, Inc. (UCB). Blocking the number won't affect your credit score, and if it's already on your report, it can't do any more damage.

First, you should block the number to stop the calls. Next, verify if the debt is legitimate by reviewing any documentation or contacting the original creditor. You might also consider working with a reputable credit repair company to help remove any inaccurate negative items from your credit report.

Blocking these calls will reduce your stress, help you take control, and allow you to focus on resolving the issue with professional help.

In the end, you should block 800-556-1260, verify the debt, and seek assistance from a credit repair company to address any inaccuracies on your report.

Can A Debt Collector Like 8005561260 Sue Me

Yes, a debt collector like 8005561260 can potentially sue you, but it's very unlikely. Here's why:

• Debt collectors usually sue as a last resort, typically when the debt is substantial, often over $5,000. Suing costs time and money, so they're more likely to settle out of court.
• They need to prove that you owe the debt, that the amount is correct, and they have the legal right to sue. This is tough, especially if the debt changed hands multiple times.
• Suing is expensive and time-consuming, so many debt collectors prefer using calls and letters to recover the debt.
• Each state has a statute of limitations for debt collection lawsuits. If your debt is too old, a lawsuit might be less likely.

If you get sued, you’ll receive a court summons and complaint. You must respond within the deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies, though this is rare.

Under the Fair Debt Collection Practices Act (FDCPA), you are protected from abusive or deceptive practices by debt collectors. If you face a lawsuit, consider consulting an attorney to understand your options and defenses.

As a final point, remember that while it is possible for a debt collector like 8005561260 to sue you, it is rare. They need proof, and the process is costly and lengthy. Always respond to court summonses and seek legal advice if needed.

Worried about legal action? Call now to understand your rights. Call (888) 488-5855

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

8005561260 Might Have Your Personal Information

First, you shouldn't provide any personal information to debt collectors, especially those associated with 8005561260. Don’t pick up their calls; engaging with them can lead to sharing sensitive details unintentionally. Instead:

- Get your 3-bureau credit report to understand your credit status and identify any inconsistencies.
- Build a plan to improve your credit, including paying off debts, disputing inaccuracies, and managing your credit responsibly.
- Work with a reputable credit repair company. They can help you dispute errors, negotiate with creditors, and improve your credit score over time. This professional assistance offers a structured and effective approach, saving you time and reducing stress.

Bringing it all together - remember, you need to protect your personal information, block unknown numbers, understand your credit status, and consider professional help to manage your credit health proactively.

Protect your personal information. Speak with our experts today. Call (888) 488-5855

Types Of Debt Collected By 8005561260

United Collection Bureau, Inc. (UCB) collects different types of debt, reaching out to you for unpaid credit card balances, auto loans, personal loans, medical bills, and cell phone bills. They collaborate with banks, credit card companies, auto finance firms, utility companies, and healthcare providers to recover these debts.

• Unpaid credit card balances
• Auto loans
• Personal loans
• Medical bills
• Cell phone bills

All things considered, you can expect UCB to contact you about various types of debt, such as credit card balances, auto loans, personal loans, medical bills, and cell phone bills.

How Do I Check If I Owe Money To 8005561260

You should first check your personal records for any final bills, account statements, or receipts related to 800-556-1260. Don’t engage directly with the number to avoid resetting the statute of limitations on old debts. Review your credit reports for any listings associated with United Collection Bureau, Inc. (UCB).

If you find a debt listed, request debt validation from the collection agency to ensure its accuracy. If you encounter harassment over disputed debts, consider consulting a consumer protection lawyer.

To handle this effectively:
• Check your personal records thoroughly.
• Review your credit reports.
• Request debt validation if needed.
• Consider legal help if harassed.

Lastly, stay proactive by gathering all necessary information from your records and credit reports to avoid any inaccurate collection efforts that could hurt your credit.

Need to verify your debts? Contact us for a thorough check. Call (888) 488-5855

Which Debt Collection Laws And Regulations Protect Me From 8005561260

To protect yourself from debt collectors, like those who might be calling from 800-556-1260, several debt collection laws and regulations can safeguard you:

1. Fair Debt Collection Practices Act (FDCPA): This federal law prohibits debt collectors from using abusive, unfair, or deceptive practices. Under the FDCPA:
- Debt collectors can’t call you before 8 AM or after 9 PM.
- They must stop calling you at work if your employer prohibits such calls.
- They can’t use obscene language, harass you, or falsely represent themselves.
- They must send a written notice detailing the debt amount, the creditor’s name, and your rights to dispute the debt.

2. State Debt Collection Laws: Many states offer additional protections. For instance, New York has strict licensing requirements for debt collectors. You should check with your state’s attorney general’s office for specific laws that apply to you.

3. Telephone Consumer Protection Act (TCPA): This law regulates auto-dialed and prerecorded calls, requiring your prior express consent before such calls are made. Without your consent, these calls are illegal.

If you believe these regulations are being violated, you should report it to relevant authorities such as the FTC, CFPB, or your state attorney general.

Finally, knowing these laws can help you manage interactions with debt collectors, ensuring your rights are protected and giving you the necessary tools to handle them effectively.

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

Does 8005561260/United Collection Bureau, Inc. (Ucb) Have Any Lawsuits Against Them

Yes, United Collection Bureau, Inc. (UCB) has lawsuits against them.

You should be aware of several FDCPA lawsuits against UCB. These lawsuits allege UCB has engaged in unlawful debt collection practices, including harassment and other behaviors prohibited by the Fair Debt Collection Practices Act.

Additionally, you might find numerous complaints against UCB on platforms like the Better Business Bureau (BBB) and Consumer Financial Protection Bureau (CFPB). As of early 2024, UCB has almost 200 complaints with the BBB, with common issues being insufficient debt information and failure to provide proper documentation. Many complaints with the CFPB also highlight concerns of harassment and non-compliance with debt collection regulations.

If UCB contacts you or files a lawsuit, you should respond immediately to avoid complications. Validate the debt and document all your interactions.

In closing, UCB has faced multiple FDCPA lawsuits and numerous complaints with the BBB and CFPB. If UCB contacts you, ensure you respond promptly, validate the debt, and document all interactions to protect your rights.

What Do People Online Say About 8005561260

People online have varying opinions about 8005561260. Here are some specific quotes from Reddit about this number:

User @StaceyM said: 'Received call from 1 800 556 1260. They left a voicemail saying it was Mellissa with United Collection Bureau, to call 1 800 297 6901, about a debt. I don't think I have any outstanding debts and did not call back.' This person expressed doubt about having debts and chose not to return the call.

User @JimmyG shared: 'This number called me and left a voicemail saying: 'This is long and I have an important message from United collection VA Inc. this call is for debt collector. He's an identical at that mini information thing will be used for that purpose. Please call 866-416-3859.' I don't think I have any outstanding debt.' JimmyG also received a similar call, questioning the legitimacy and not returning it.

In summary, people received calls from this number claiming to be debt collectors from United Collection Bureau. There is skepticism about the legitimacy of these debt claims, and the recipients chose not to return the calls.

Overall, skepticism abounds regarding 8005561260 with doubts over the legitimacy of the debt claims.

Do I Really Need To Remove 8005561260 From My Credit Report

Yes, you really need to remove 8005561260 from your credit report if it is potentially inaccurate. First, confirm that it's actually on your report. Dealing with this on your own can be very time-consuming. Instead of spending your valuable time, consider reaching out to a reputable credit repair company like The Credit Pros. They can save you a lot of hassle and are more effective than most poorly rated credit repair services.

To summarize:
• Confirm the collection is on your credit report.
• Identify if it's 'potentially inaccurate.'
• Avoid disputing it yourself due to the time and effort needed.
• Consider a trustworthy credit repair company like The Credit Pros.

As a final point - make sure you identify any inaccuracies on your credit report and let professionals like The Credit Pros handle the dispute to save you time and effort.

Wondering if you should remove this number from your report? Speak with us to find out. Call (888) 488-5855

Here are other formats 8005561260 can be written

- +1 800-556-1260
- +1 (800) 556-1260
- +1 800 556 1260
- (800) 556-1260
- 800-556-1260
- 800.556.1260
- 800 556 1260
- +18005561260
- (800) 556-1260
- 800.556.1260
- 8005561260

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

List of every other phone number that United Collection Bureau, Inc. (UCB) uses:

Every number you see below is separate number that ‘Collection’ uses to attempt to collect a potentially inaccurate debt on your credit report and/or spam you.

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