United Collections Bureau (UCB) Secretive organization or just plain annoying... I view it as harassment! Unknown Internet

One question, who handles his affairs. Does he have a spouse, a domestic partner that would have power of attorney over his assets while he is away. You know that it is a collection agency. If you are getting calls obviously you are getting mail for him. How about this OPEN it and see what it is about. May be your son does not care to pay his bills and that is why he did not call them back, or care to get it taken care of. Maybe you should see what it is about and see what you could do to get it taken care of. Maybe it is a medical bill and they need his billing info... Debt collectors arent that bad...

I've seen Steve's comments to other complaints about UCB. He appears to fit right in with the UCB organization.

I would like to just say, I hope your son returns safely from Iraq. Best of luck to your family.

Send UCB a Cease and Desist letter if he is not able to pay his debt. The last thing he needs to deal with upon returning from fighting for our country is these people.

Under the USSERA (google it) a person on active duty has certain protections against debt collectors for accounts opened prior to going on active duty. For example, interest is fixed permanently (even after he gets off active duty) at 6 %. Collection actions must stop.

If the debts were incurred before active duty send the collector proof of active duty and a cease letter.

Darla and Jefferey have both given bad advice with inaccurate info.

First for Darla. There is no such thing as "cease and desist" in debt collections.
The exact verbage directly from the FDCPA is CEASE COMMUNICATIONS.

And, sending such a request does not stop collections activity.
However, it usually does bring a lawsuit.

Now for Jefferey, REAL BAD information here!

First of all, there is no such thing any more as the "Soldier's and Sailor's Civil Relief Act". That is old news. That act was replaced with new legislation and is now the "Servicemember's Civil Relief Act".

And, the 6% rate is NOT indefinite after coming home or getting off active duty.
Where did you get that?

The MAXIMUM time you have is 180 days, and the minimum is 30, depending on the state you live in and your circumstances.

NOT indefinite by any means.

I was actually in the military and used this act. My credit card companies gave me 90 days after returning from active duty, and my auto loan gave me 30 days.

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Submitted: 8/13/2008 12:34:35 PM
Modified: 8/13/2008 1:08:22 PM Darla
Belleville, Illinois
U.S.A.

Reading Steve's responses is getting boring
I've seen Steve's comments to other complaints about UCB. He appears to fit right in with the UCB organization.

I would like to just say, I hope your son returns safely from Iraq. Best of luck to your family.

Send UCB a Cease and Desist letter if he is not able to pay his debt. The last thing he needs to deal with upon returning from fighting for our country is these people.

Submitted: 9/6/2008 12:09:19 PM
Modified: 9/6/2008 6:57:21 PM Jeffery Coffman
Magnolia, Texas
U.S.A.

Soldiers and Sailors Relief Act
Under the USSERA (google it) a person on active duty has certain protections against debt collectors for accounts opened prior to going on active duty. For example, interest is fixed permanently (even after he gets off active duty) at 6 %. Collection actions must stop.

If the debts were incurred before active duty send the collector proof of active duty and a cease letter.

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