United Recovery Systems LP Scum bottom feeder collection agency with law breaking track record! Houston Texas

Screwed and James are bottom feeding low life employees of this scumbag company who don't know what they're talking about.  Sometimes, it is possible that things happen in life that leave you unable to pay your bills and bankruptcy is the only out.  I found that out in 2003 when I got sick any my so-called good medical insurance left me with over $10,000 in debt.  I ended up filing for bankruptcy and I have two more years before it falls off my credit report.  I think it is wonderful that even at their own expense, they cared enough about his mother to provide some measureof comfort during her final days.  But bottom feeding scum like you wouldn't understand the basics of what is called compassion.



Anyway, the target of your extremely illegal tactics is NOT REQUIRED to notify your scumsucking agency that she has filed bankruptcy.  Once her attorney has filed the papers, the court notifies all interested parties, which would include you, should they want to contest the discharge.  Most do not, although to stick it to the debtor, some do.  All she would have to do is give you her attorney's name.  If your scumbag collectors treated me like you are treating her, I would tell you to kiss my butt too and let the court notify you.



Since neither of you know what you are talking about, I suggestb that you go back to school and learn how to read.

I got a letter in the mail from this agency offering a settlement for a debt I owed. The letter plainly states:

<snip>   "You can call MRS W WHITE at our toll free number 24 hours a day at 888-505-1573, extension 4987." <snip>

Sincerely,

MRS W WHITE, ext 4987
United Recovery Systems, LP
---------------------

They used the capital letters for the name in the letter in both places, not me. So, I call the number and ask to speak to Mrs White.


 Female voice:  Mrs White isn't in, what can I help you with? Did you receive a letter in the mail?

Me: Yes I did. The letter said that I specifically should call Mrs White. The name is in capital letters emphasizing that.

Female voice:  Mrs White doesn't really exist, we just put that in the letter in order to direct calls to this department.

Me: Hmmmmm..... okay .... Why would you do that? Why put that in the letter in the first place? An extension number was given. Wouldn't that suffice in directing the call to the appropriate department? Why would you use a name in a letter of a none existent person? Why not just put " Call the Collections Department, ext. 4987? Wouldn't that work just as well. It would be a lot less confusing for everybody, don't you think?

Female voice:  Oh I never said that Mrs White doesn't exist. She's just not in the office at the moment.

Me: Ohhh,  then can you please ask her to return my call when she gets in?

Female voice: Oh no, she doesn't return calls.

Me: Okay, then what time do you expect her to be in the office and I'll call back then.

Female voice: She won't be in the office at all. She isn't in this department.

Me: Then why did the letter say for me to call Mrs White? That makes no sense whatsoever. The letter plainly states to call MRS W WHITE in capital letters. Why does it say that? Please explain. I don't like this at all. You lied in the letter and you've already lied to me numerous times during this phone call. I'm not .......

Female voice interrupts me - Look,  we aren't getting anything solved this way. I'm going to transfer you to my manager.

Me: Sounds like a good idea. ........................ Me holding on.......... holding on......... holding on....... me hangs up!!!

I then call the originator of the debt and ask to settle with them directly for the full amount so that I don't have to deal with those liars at United Recovery Systems....

Well Screwed and James I can only guess that you work for this scumbag company. Must be tough to be hated by everyone on earth, I bet your mommy is proud. Actually she probably lies to her friends about what kind of work you do. You're a bottom feeder, and you make your money from the pain and suffering of others, So Karma is not your friend..

I'm sure that everyone who borrowed money had every intention to pay it back, but then things turned bad for them. I'm sure your business as a vulture is booming but the rest of us are struggling. As far as trying to guilt the public? I couldn't care less if you or the creditors get paid. Nobody looks down on Trump and he has gone into bankruptcy more than once.

The complaint is about your company's tactics. You seem to think you have the right to do whatever you want, but in fact you don't. It is exactly your tactics that makes people not even care if the money gets paid back. Fortunately I am not one of your victims but I know someone who is, and watching them being stressed and harassed by you has brought me to their side. He didn't plan to get sick, and his wife didn't even think about the not using the credit card when they asked her for it at the hospital because she was too worried about losing her husband. They didn't know ahead of time that they would get stuck with huge medical bills even though they have supposedly good insurance, and his condition doesn't need the additional stress that you cause. I wonder how many people you have killed through your tactics? Never occurred to you they might be in this situation because they are sick and frail. Well you can answer to GOD for those...

All that your constant calls and abuse have done was make them not care about paying, and their lawyer showed them how to protect themselves from any and all creditors. We all see the scam in creditors now. I mean what is the point raising interest rates to 30+% when they couldn't afford 10%. I now join my friend in not caring about credit scores anymore. I will buy only what I can afford. I already have 5 cars and 2 houses, so what do I need credit for? I have used my cards to try and keep my score above 800, but now I don't care, and I have your company to thank for setting me free... Thank you, and may GOD have mercy on your soul...

What everyone who is complaining about URS forgets is that YOU used the credit that was issued to YOU by a credit card company. When YOU accepted the credit card you were sent the terms and conditions of use. Did you read these terms and conditions? I ask you to show me proof that your agreement with the card company stated that if things got rough (economy, unemployment, medical issues, etc, etc, etc) you did not have to pay the money the company extended to you.

YOU gave your word to the credit card company that you would/could use the extended credit and you would pay it back according to the terms and conditions. If you are getting calls from URS means you have failed to pay back any money you borrowed for at least 4 months (usually 8-10). Did you think you could run up debt on the card and ignore it for months and it would be forgiven?

The members of URS job is to make a new agreement with you to pay back the money you borrowed. As with any business, at times there are employees who don't follow the rules, but I know for a fact (I'm a former employee) that ALL calls are monitored and ANY abuse, harrassement to the card member is NOT tolerated and employees who use these tactics are IMMEDIATELY terminated.

Bottom line, grow up. Be an adult and step up to the plate and pay your bills. Quit whinning about your situation. You are not unique, many folks are going through tough times right now but a majority continue to honor their word and pay their bills.

I have had dealings with this company and have found them to be incredibly rude, unwilling to abide by collections law (they divulged account details to a 3rd party without my permission, and refused to send written correspondence. They also tried to access my checking and retirement accounts).

This woman has a right to be furious with this company. They are in severe violation of several laws. I've already reported them to several federal agencies.

First of all, if what you say is true of the two incidents that happened, then I agree that is wrong. If a collector speaks to you, they cannot call back again that same day. But by law, they can call again. If you are under "bankruptcy protection," collection agencies won't know who to talk to if you don't tell them. Most consumers believe that just by saying "I filed for bankruptcy" and hanging up, the collection agency should stop calling. Unfortunately, that's not the case. Some, not all, consumers lie, using bankruptcy as an excuse, just to avoid paying a debt. When you have filed for bankruptcy, it is your responsibility to provide the information to all your creditors associated with that bankruptcy including the chapter number, the case number, the judge (if applicable), and the attorney's name and number (if applicable). Without that information, collectors still can call you because you haven't provided evidence. Also, I notice that you said you provided all the the other debt collectors with your attorney's info, so why did you not do it for "Byron?"

In reference to the collectors being "total morons," that is immature and untrue. One golden rule in collections is to not break the law through 3rd party disclosure. You did not identify who you were (as in his spouse) so technically, the collector answered the questions correctly. Until you identify who you are, the collector will see you as a 3rd party. You asked "Who's calling" as in what is their name. That is the question you asked so that is the answer you received. However, when you asked about the company, that collector should have given the name of the company. I'm not that person so I won't respond for them.

As far as the call on 3/22/08 That was rude if they did indeed make that statement.

Finally, although honest collectors won't curse you or threaten you, keep in mind that saying and acting the way you did on the phone could potentially only harm your situation. And by looking at the way you typed this report, I can only imagine the things you said on the phone. When consumers try to curse, threaten or avoid phone calls, all they are implying is that they don't want to pay the debt. Why would you curse at someone who is following the law that most consumers think they know but don't? I won't speak for everyone, but I am actually one of the nicest persons on the phone, considering I know what it's like to have people calling me as well, go figure. But I also know that this is a debt that I owe, so why would I get upset when I chose not to pay the bill but then get mad when the company tries to find other means to get the money from me? Although this wasn't your case necessarily, wouldn't it have been more beneficial, and "professional" (since you complained of their "unprofessionalism" when you acted in the same manner) to speak to another collector or even someone in management? Just think about it. Name-calling is a grade school tactic. If you want professionalism, give it as well. And don't make generalizations.

With all "due respect" ... your firm IS deceptive and a rip-off. Cheri (the OP) is under the protection of the Federal Bankruptcy Law.

In fact, if she's feeling a mite bit cranky, she can file a complaint against your company with the BK court. Would you really prefer that a JUDGE tell you, via penalties and censure, that your firm is a "rip-off?" Can you say "Con-tempt of court?" (broke it down into syllables so you could understand it better -- you're welcome).

Fact is, she doesn't HAVE to "relay" that information to you, politely or otherwise. First of all, you're violating the FBL!! Hell-oooo?! Second of all, if your office hasn't been notified yet (and FBL requires that ALL legitimate creditors and collection agencies BE notified), then you just don't rate, I guess. Third of all, if ANYONE is to "relay" information to you, it would be her ATTY.

Please do feel free to come back and entertain us AFTER you've taken a few moments to read up on BK law. Until then, please, if you're going to come in here spouting crap you have no clue about, at least wear a funny bow tie or clown shoes. Its really not enough to entertain us so eagerly without the proper attire.

TIA! :)

I've had dealings with United Recovery Systems (URS) and they are very entertaining. I've owned a few businesses invloving strong sales skills in my short life and they have been trained very well as a Salepersons. That's really all they are at URS. They are versed in the Trade laws and can recite them well, but they try to overpower you and control the conversation whenever you ask a question that will expose any information like if they actually 'own' or have 'purchased' your debt. Or if your debt has been written-off, which has HUGE implications as to the strenght of their case and what they can do. They are good at the art of redirection and taking charge of the conversation when they get in a spot they ask you re-state basic truths like the fact that you don't dispute the debt and it is yours. They try to make you believe that because you do not dispute the debt and you accept the debt that you can't ask them to verify anything in regards to the debt.

I may start my own post. I really find them entertaining.

Cheri,

Although you have a valid complaint regarding a debt collector / bottomfeeder contacting you about a debt that is in bankruptcy, you are going about this the wrong way.

Under FEDERAL LAW, you have the right to DEMAND a "CEASE COMMUNICATIONS" with ANY "third party" debt collector.

You send this LEGAL request to these morons / crackheads by certified mail/RRR. You put the certified# on the letter itself, and keep a copy for your records. This procedure is VERY important, as it proves EXACTLY what you sent.

Now, when they violate your LEGAL REQUEST, you sue them under the FDCPA provisions for up to $1000 in punitive damages, plus costs.

Don't get mad, get paid.

Cheri,

Although you have a valid complaint regarding a debt collector / bottomfeeder contacting you about a debt that is in bankruptcy, you are going about this the wrong way.

Under FEDERAL LAW, you have the right to DEMAND a "CEASE COMMUNICATIONS" with ANY "third party" debt collector.

You send this LEGAL request to these morons / crackheads by certified mail/RRR. You put the certified# on the letter itself, and keep a copy for your records. This procedure is VERY important, as it proves EXACTLY what you sent.

Now, when they violate your LEGAL REQUEST, you sue them under the FDCPA provisions for up to $1000 in punitive damages, plus costs.

Don't get mad, get paid.

Cheri,

Although you have a valid complaint regarding a debt collector / bottomfeeder contacting you about a debt that is in bankruptcy, you are going about this the wrong way.

Under FEDERAL LAW, you have the right to DEMAND a "CEASE COMMUNICATIONS" with ANY "third party" debt collector.

You send this LEGAL request to these morons / crackheads by certified mail/RRR. You put the certified# on the letter itself, and keep a copy for your records. This procedure is VERY important, as it proves EXACTLY what you sent.

Now, when they violate your LEGAL REQUEST, you sue them under the FDCPA provisions for up to $1000 in punitive damages, plus costs.

Don't get mad, get paid.

Cheri,

Although you have a valid complaint regarding a debt collector / bottomfeeder contacting you about a debt that is in bankruptcy, you are going about this the wrong way.

Under FEDERAL LAW, you have the right to DEMAND a "CEASE COMMUNICATIONS" with ANY "third party" debt collector.

You send this LEGAL request to these morons / crackheads by certified mail/RRR. You put the certified# on the letter itself, and keep a copy for your records. This procedure is VERY important, as it proves EXACTLY what you sent.

Now, when they violate your LEGAL REQUEST, you sue them under the FDCPA provisions for up to $1000 in punitive damages, plus costs.

Don't get mad, get paid.

Well "James" I hardly see my complaint as "narrow minded" as there is absolutely *no* excuse for the manner and attitude shown by *multiple* employees of United Recovery. Calling me and purposely trying to mock and/or talk crap to me is not appreciated, nor professional. Any *legitimate* company does not treat it's "customers" like that. If you were professional and courteous you may actually have a CHANCE to collect money from someone.. but based on what I experience and the MANY others who have complained on these boards about the crap your company pulls, well, lets just say I doubt you will be in business very long as I wouldn't give your lowly company one CENT *ever*.

It's truely NONE of your business about how we paid for the medical expenses.. "attempting" to scold us for how we funded my husband's mother's last days dying of cancer is just disgraceful of you and not appreciated. Maybe one day when you're dying of cancer you'll see the light of day. Of course all the insensitive asshats at United Recovery are only interested in putting tacos on their dinner table.

We have told every single debtor flat out that we are under bankruptcy proceedings right now and ATTEMPTED to give you the info (apparently you didn't want it, but instead you decided to verbally abuse me). You have *NO RIGHTS* to call us or contact us in any way/shape/form or we will file a court injunction against you. I've already sent you the cease and desist order.

Oh and when you get someone on the phone verbally ABUSING you, it doesn't tend to lend to a POLITE conversation, nor do they allow you to even convey the attorney information. Maybe you should spank your little co-workers (preferrably fire them) and get some people answering the phones who are NOT ABUSIVE and will listen to me politely giving them the info. Believe me I was polite and ready to give them the info (as I have done with numerous other agencies) until your employees started ABUSING ME, I was rather shocked as the behavior was totally uncalled for. Not surprisingly, i've seen NUMEROUS reports of this very same thing happening to many others that had dealings with your "company" or should I rephrase that and say "MOBSTERS". Hmmm, HOUSTON I THINK WE HAVE A PROBLEM... MAINLY YOU!

Well "James" I hardly see my complaint as "narrow minded" as there is absolutely *no* excuse for the manner and attitude shown by *multiple* employees of United Recovery. Calling me and purposely trying to mock and/or talk crap to me is not appreciated, nor professional. Any *legitimate* company does not treat it's "customers" like that. If you were professional and courteous you may actually have a CHANCE to collect money from someone.. but based on what I experience and the MANY others who have complained on these boards about the crap your company pulls, well, lets just say I doubt you will be in business very long as I wouldn't give your lowly company one CENT *ever*.

It's truely NONE of your business about how we paid for the medical expenses.. "attempting" to scold us for how we funded my husband's mother's last days dying of cancer is just disgraceful of you and not appreciated. Maybe one day when you're dying of cancer you'll see the light of day. Of course all the insensitive asshats at United Recovery are only interested in putting tacos on their dinner table.

We have told every single debtor flat out that we are under bankruptcy proceedings right now and ATTEMPTED to give you the info (apparently you didn't want it, but instead you decided to verbally abuse me). You have *NO RIGHTS* to call us or contact us in any way/shape/form or we will file a court injunction against you. I've already sent you the cease and desist order.

Oh and when you get someone on the phone verbally ABUSING you, it doesn't tend to lend to a POLITE conversation, nor do they allow you to even convey the attorney information. Maybe you should spank your little co-workers (preferrably fire them) and get some people answering the phones who are NOT ABUSIVE and will listen to me politely giving them the info. Believe me I was polite and ready to give them the info (as I have done with numerous other agencies) until your employees started ABUSING ME, I was rather shocked as the behavior was totally uncalled for. Not surprisingly, i've seen NUMEROUS reports of this very same thing happening to many others that had dealings with your "company" or should I rephrase that and say "MOBSTERS". Hmmm, HOUSTON I THINK WE HAVE A PROBLEM... MAINLY YOU!

Your apparent disgust with United Recovery Systems, although on the surface may be well founded, is in my opinion, narrow minded. I will concede that some debt collectors have been known to use unfavorable "tactics" in order to recover a delinquent account, however, you can no more consider this entire organization to be "morons" and "brain-dead retards", than you can Starbuck's for an employee adding extra milk to your morning coffee. Now given, the comparison is a reach, but this organization employs thousands of people, all of which play an essential role in our economy.

It would be just as easy for me to make an argument against your decision to hire a "bottom feeding" attorney to show you a simple way out of repaying presumably tens of thousands of dollars in debt. Furthermore, United Recovery Systems is not in the business of recovering unpaid medical bills. I won't pretend to know about your personal situation, however, maxing out your lines of credit to pay for these services may not have been the best choice to satisfy your inherited medical debts.

My unsolicited advice, if you happen to encounter another debt collector that doesn't fit your bill of decency, is to keep in mind that without companies in this particular industry, it's doubtful that you and your husband would even be extended the credit to pay for the medical services you inherited in the first place.

...One more thing, I fail to see how you receiving phone calls for monies owed constitutes a "rip-off". Allowing the debt collector to speak, will lead to an opportunity for you to politely relay your attorney's information.

Respectfully,

James
Houston, TX