I may be the only one but in the spring, I was contacted by them over one(of a few) of my stupid payday loans. I knew I owed the money and I told them I wanted to pay. They were more than happy to work out a repayment with me. I even had some issues with my payments and they worked with me and i paid them off. They didn't threaten me but again, I may be a lucky exception

i worked at united legal and i know that the name of the company is "united legal corp...changing the image of third party collections". and the y have. they are very adament about disciplining/terminating empoyees that break the fdcpa. they have to be rude because no one will pay thier bill if they say please. debtors are unresponsible people that make excuses and have laws that protect them. if someone owed you money and they never paid wouldnt you get mad? of course no one should get carried away,saying you will go to jail .etc.but some debtors either need someone to spank them or talk to them in a calm voice or let them talk themselves into paying the bill. regardless MOST debtors are children and we are their guidance on putting a debtor back on finacial track. if you paid your bills and didnt borrow money you wouldnt be on this page would you? you would be on ebay buying something because you can afford it.so everyone, lift your skirt, grab your balls and pay your bills and dont put blame on anyone else besides yourself. God loves you

Can you give me the telephone number and address you have and who you talked to - they are in touch with me through Paycheck Today -

[Justme]

DD, here is the address of United Legal Corp:

United Legal Corporation
9000 Regency Square Blvd., Suite 1
Jacksonville, FL 32211
Phone: (877) 726-8505
Fax: (904)-493-4654

Has your debt been validated by United Legal Corp? Do not make any payment until you have reviewed the account thoroughly. United Legal Corp must prove in writing that they have been authorized to collect for Paycheck Today.

i have given this company 150.00 so far; but they have legitimate information on companies that I owe. Could this be legit? If you have doubts, please help :cry:

[Justme]

dianajoe, United legal might be collecting for one your payday loan lenders. Verify the debt information with them. After you have paid off the full amount, they will notify your lenders and send you a letter with 'paid in full'

"i worked at united legal and i know that the name of the company is "united legal corp...changing the image of third party collections". and the y have. they are very adament about disciplining/terminating empoyees that break the fdcpa. they have to be rude because no one will pay thier bill if they say please. debtors are unresponsible people that make excuses and have laws that protect them. if someone owed you money and they never paid wouldnt you get mad? of course no one should get carried away,saying you will go to jail .etc.but some debtors either need someone to spank them or talk to them in a calm voice or let them talk themselves into paying the bill. regardless MOST debtors are children and we are their guidance on putting a debtor back on finacial track. if you paid your bills and didnt borrow money you wouldnt be on this page would you? you would be on ebay buying something because you can afford it.so everyone, lift your skirt, grab your balls and pay your bills and dont put blame on anyone else besides yourself. God loves you "

EVERYONE, THESE ARE THE PEOPLE WHO HAVE YOUR INFORMATION AVAILABLE TO THEM!!! THIS PERSON SEEMS TO BE MILDLY RETARDED YET APPARENTLY HAS ACCESS TO YOUR CREDIT FILE!!!

Its because of half whits like you that alot of us are here.... because youre too stupid to spell the names correctly, or copy numbers, or dial the right phone number. Some of us dont have any debt at all except the ones you dirty scam artists lie and say we have.
Do you even have to go through an interview process or do they just look for the lowest IQ scores and hand over the phone??

Do you really think that response was good? There is no reason to argue but I know most people want to pay their debts. It is just that the normal human being thinks of ways to get out of it. Dont get mad if you think so called dimwits have your file information. You still are responsible for your own debt. And another thought. The amout of people that come on message boards to complain are the minority. Most people do pay their bills and pay back when a debt collector calls. It is just that you guys are the Difficult Debtor, I'm sorry to say but you know i am right. So if there are any debtors out there that do owe a bill, a company like ULC will help you make Good Arrangements to resolve a debt. just make the arragements and pay it. Than you will recieve a Paid In Full letter. you may also be able to borrow money again. Unless the money was taken to puposely not pay back. So think about what i say and dont let debt consolidators scam you into thinking that they are there to help. The bottom line is everybody wants money. You out there have to be the smart ones. If you know a debt is owed pay it. it is amazing what you can get if you ask! ULC is legit and good luck to all of us debtors. gotta go now, i have to pay a bill.ha ha

[Gretchin]

Gosh!! That was a rude presentation, guest!! make sure that you pay something that is legitimate and the company has your debt info. Best of luck for not falling into the wrong hands!! If ULC has your account info and have given you the details correctly, go ahead and make arrangements with them. Your credit will go better from there.

I apologixe if i sound rude..(it is the collector in me). but really if a company has your information everyone knows what to do. I do not work for that company for my own reasons of improvements in my life, but any complaints about ULC will be taken care of in a professional matter no matter what if you notify a manager. I would like for consumers to know that ULC can be trusted to do the right thing with your money. Good company to have worked for and good company to pay your debts off with. it is not always fun to pay bills. good day and good luck.

"Do you really think that response was good? There is no reason to argue but I know most people want to pay their debts. It is just that the normal human being thinks of ways to get out of it. Dont get mad if you think so called dimwits have your file information. You still are responsible for your own debt. And another thought. The amout of people that come on message boards to complain are the minority. Most people do pay their bills and pay back when a debt collector calls. It is just that you guys are the Difficult Debtor, I'm sorry to say but you know i am right. So if there are any debtors out there that do owe a bill, a company like ULC will help you make Good Arrangements to resolve a debt. just make the arragements and pay it. Than you will recieve a Paid In Full letter. you may also be able to borrow money again. Unless the money was taken to puposely not pay back. So think about what i say and dont let debt consolidators scam you into thinking that they are there to help. The bottom line is everybody wants money. You out there have to be the smart ones. If you know a debt is owed pay it. it is amazing what you can get if you ask! ULC is legit and good luck to all of us debtors. gotta go now, i have to pay a bill.ha ha"

I for one pay my bills on time and often pay more than the accual ammount. I have NEVER been in arrears for any of my bills.
I dont believe in the SOL - if you take out a loan or whatever you owe it.

The problem lies in the fraudulent practices of collection agencies having full access to your personal information. With this information they are able to create fake bills in order to scam you out of money. I have been a victim of this and judging by this site I can see this is VERY common.
If you read some of the posts by supposed "collectors" you will notice that some of them are accually dimwhits with your financial stability in their theiving hands.
I find it disgusting that this is legal and people accually defend this behavior.
Collection agencies have no right to search peoples records for private info if they do not owe money, nor do they have the right to lie to the credit bureaus if they do not have proof of debt.

Its pretty simple - Fraud is fraud

Fraud is fraud and you are confusing ulc with your local watch dealer on the street. Do your research and find out about ulc. Fake bills are illegal and the company would be closed down. collection agencies do not have the power to give fake bills to a credit reporting agency. They have proof and you could recieve proof of debt also. If you dont want to pay your bills, than you dont have to. But it is your name and credit. So ulc will be around for a very long time because the way that bussiness is conducted is professional. And you can say all the names you want about collectors but that is just a defence against not paying your bill and trying to justify what you did wrong. Besides the collector has to deal with very abusive debtors than will curse and threaten your life>very stressful. Especially whan they have to take the abuse or go get another job.so be kind to the company that was there when you needed the money. And no one else would help. Have a great day.

Maybe ULC is the only honest collection agency out there and maybe they dont commit fraud. Maybe they should be the only agency with a licence.

Watch dealers on the street? Thes are comapnies that have many complaints yet are still in "buisness"

It is a fact that many collection agencies do try to collect money from people who do not owe money.

It is a fact that many collection agencies lie to Equifax and Trans union.

It is not fair that they can claim you owe bills to companies youve never heard of and destroy your chances of getting credit because you refuse to pay a fake bill.
It is also not fair that those of us who DO pay our bills have to pay the price for those who cheat the system.

Collection agencies should have PROOF of debt, Proof that they tried to contact the "debetor" to let them know they have a debt they didnt create or authroise.

I know I didnt borrow any money from the "account" that I was screwed over for, and when I contacted the comany they had never heard of me either!!
I have been a victem of fraud, Identity theft and abuse from a collection agency that apoparently is not capable of doing so...

You may be an honest collector, your comapny may be honest... but there are many who are only in it to scam people out of their hard earned money.
This site is full of such stories.

P.S, If you are as honest as you say, keep up the good work. Maybe some collectors could learn a few things from you about respect and abiding the law.

So You do admit that collectors are rude?! I can tell that you are a collector. #1 using "NEVER" in a statement, automatically makes the statement false. You say that you've "NEVER" been arrears and pay your bills on time. I'd like to know what planet you live on. #2 you are right when you state that there are difficult debtors out there, so that means you should stoop to their level and get rude and ridiculous? NO...Just hang up on them and let them get what's coming to them (bad credit, wage attachments and so on). When you get rude, you are just as bad as the debtor. But I know what makes collectors so damn rude, the want the percentage of the money owed that will come to their pockets. That's all YOU really care about ULC can kiss A**. They are frauds and criminals. All Who Work for them.

LOL QueenOliveen, I think youre mixing up 2 different "guests". Theres a few of us posting as guests.

I for 1 am not a bill collector and never would take a "job" like that.
By never, I meant in arrears to the point of collections - if for some reasn I am to be late paying a bill I call the company to make arrangements.
I dont use credit cards and such, so that helps with not having too many bills, just phone, internet, cable... pocket change. So, I can honestly say that I have NEVER been in arrears and the statement is not false. I am also in Canada so I dont have the unfortunate burden of massive medical bills that Americans do. I feel so sorry for those whose lives are destroyed because of an illness they coldnt forsee and cant possibly afford to deal with.
As for just hanging upoon "collectors", that has to be the most insane thing to do!!
They do have your personal info and can make your life hell if you dont get it figured out - and its YOUR responsibility to figure out thier mistakes and fix their fraud attempts - they are not held accountable.
Just like you mentioned Queen, they ARE after a cut of the money and will do anything to get it even if you dont owe any money to anyone.
I can imagine that there are honest collectors out there, but I havent come across any. I agree with you totally, for the most part they are frauds and criminals.