Universal Fidelity Corp. is a third-party collection agency, rude and often disagrees to accept reasons. Hence, be prepared to have a hard time if you're being contacted by them regarding a collection of debt.
Universal Fidelity, however, is a BBB accredited business. But, that doesn't stop them from violating the consumer's rights described in the FDCPA.
Their communication address is as follows:
Universal Fidelity LP (UFLP)
PO Box 941911, Houston, TX77084, United States
Universal Fidelity LP is an alias of Fingerhut Credit Advantage. So, if you have an account with Fingerhut, you may also get contacted by Universal.
After getting in touch with you, Universal is required to send you the details regarding the account in collection within five business days. If they fail to do so, you should then send them the debt validation letter to verify the account's status.
Has anyone had communication with a company called...
Date: Wed, 03/15/2006 09:13
Has anyone had communication with a company called Universal Fidelity?
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.