As I have never communicated with UNC i dont have the address with me but you can check it at the BBB site. If it is a legitimate organization you will find it with the AG's office as well.
I was just looking over a copy of my credit report I pulled on Nov 15 2007 and it lists the @ for them as 800-879-5453. Haven't tried calling it b/c I don't have the money right now to settle up but maybe that # will work for you.
I found them on my credit report also, but their claim on me is legitamate. I moved last year ans my library books got taken to the new house in a box, rather than the library...
Anyway, I found their address on my credit report and looked then up that way. I found the following web address. I followed up through the 'Contact us' link.
I will admit that the purpose of website does appear to be for the libraries that want to use their services. I could not find a place to make a payment, etc. I did contact and hope to receive some kind of response soon.
Good luck,
Jeydan
Don't just pay it. You need to either try a pay for delete or use the 1-2 punch:
When I was repairing my credit, this was the most beneficial thing to me. I had a couple verify with the CRAs that the information was correct (one being Afni) without ever responding to my request for validation. I sent Afni a firm intent to sue letter demanding deletion by a date or further action would be taken. It was removed. I also emailed their legal staff from addresses I found online.
The CA has 30 days to properly validate. Disputes with CRAs generally last 30 days as long as you dont call in with new information. They can then add another 15 days stating you have added new information, even if you haven't. Better not to contact them during disputes.
Thing is, for relatively old CAs or collections that have been passed on to Junk Debt buyers, they can't provide proper validation. One of their tricky techniques is to say they sent you a letter that you didnt respond to. That doesn't matter. They may send you a letter asking for more information such as ssn# etc, but as long as you provide the account # they are just stalling. Ignore it. 30 days have passed, you can assume the debt is not valid.
If they verify with the CRAs and don't validate, it's time for the ITS. A firm ITS. It's gonna be deleted or they are paying you $1,000.
hi charles
The listing in your credit report must be from a CA or a creditor from whom you have borrowed money at some point of time and have not repaid it. If you think that you do not owe any money to anybody, you may send them a DV letter asking them to validate your debt. They will take 30 days to validate your debt from the date they receive your letter. If they don't reply after 30 days sent a dispute letter to the CRA telling them that you do not agree with the listing.
To avoid Unique getting the collections fee, go back to the original debt and just pay up.
I did get a hold Unique and they encouraged me to settle with LA City Library. I did this for a reduced fee and the issue was off my report in 1 cycle.
I would rather give my DUE money to the local public entity any ways.
Hi Charles
The CA listing is shown in your credit report only when the original creditor sells off the debt to the CA, else the name of the original creditor is displayed in the credit report as far as I know. Since you are sure that you do not have any debt, you can directly dispute the listing with the credit bureaus, who will verify the listing with the CA and remove it from your report.
Sounds like you got some good advice here. Please be sure that you get the debt validated. If it is not your debt then they shouldn't be able to validate.
I have dealt with several collection agencies and many, many times once the account is sold off or charged off the original creditor is well off the books.
If the account is over $600 the original creditor has probably already reported off to the irs as a loss and will soon come back to haunt you via a statement of income and you will have to revamp your taxes for that year and probably end up owing the IRS because you did not pay the taxes on that income, This happened to me. It was a few years later, but it happened to me.
So this is a way for you to know that the original creditor has completely washed their hands of the debt. You will probably only be able to pay through the collection agency.
This is just what I have experienced as far as a charged off debt.
What exactly are you saying GN. that if someone writes off your debt that it is then considered a profit for you that has to be taxed through the IRS? I am not quite understanding this and have never heard of it before.
Fireyone,
If a creditor charges off a debt for $600 or more they write it off as a loss, somebodies loss is always someone elses profit. So, if you have caused the company this loss then the irs considers it your gain, therefore making you liable for it as income. It would be listed under other income. If this happens you will get a form in the mail from the irs, they are very avid when it comes to collecting these funds. I have had this happen to me, it was a few years old, but it caught up to me. Capital one reported a card as a loss and I got nailed with an income gain on it from the irs and had to pay a penalty for it.
Whoa. I had a capitol one charge off back in 2001. It is past SOl. The only other debt now is a providain one that I am figuring past SOL (or should I say hoping?) How do they get a hold of this info? What kind of penalty did you ahve to pay?
You would have gotten a 1099 in the mail by now, so it must not have been more than $600 they charged off, don't worry if the report it to the irs, the irs will contact you to get their tax money off it. It will be in the form of a letter with your tax information on it for that particular year, it will state what is owed and you will be given a chance to state your case. If you can not prove that you don't owe it, then they will set you up with a payment plan.
Wow. This is seriously all new to me. The original debt was like $500 but by the time they sold it the interest and over the limits put it up over a grand. Do they charge you like regular paycheck taxes or how does it work?
Yeah, it is income so it would be treated as such, so comparing it to a pay check would be about right. If you haven't heard anything, I would not worry about it until you get somethning in the mail, if you do. You may not ever.
Well I will definately keep my fingers crossed. What doeasn't make sense out of all this is even if a company charges off a debt doesn't mean you don't get out of paying it. Say it is sold to a collection agency and they sue you before the SOL is up. You are still paying that debt, sometimes triple fold. So is it correct in figuring this scenario: Capitol one charges off an account from 2003 and then sells it to a CA. They in turn settle with you for 80% of the $1,000 bill. then are you charged for an income by the IRS for the other $200? Or are you charged from the very beginning of the write off when cap one had it?
No, if it is there intention to collect the debt then they will not turn it into the irs, if they have charge it off then they have no intention of collecting it, they are leaving it up to someone else to collect and make profit on.
So charged off means it is not in their hands anymore.
Thats good to know. I wonder if once it is past SOL if the gov. can figure that out and still charge you on it. Doesn't mean your never gonna pay it...just means you haven't yet.
I wouldn't worry about it, if it comes in the mail then you will know, you have no control over it at all, no sense in even worrying about what you can not possibly know. All you can do is wait and see.
I have taken that attitude with alot of things these days. I use to worry myself about crap that more than likely wouldn't happen but I just quit. It took alot of talking to myself but hey who better to listen.
I think that since it has been so long that you should be okay, no sense in getting all upset over something that you can not control anyway. Just wait and see what happens.
I may call the courthouse as someone suggested. If I can get myself to make that call. I know if I did it would relieve some stress but there is always the other side of the coin too and that is something I just can not deal with at this point.
I try to. Right now I am not working so it isn't too hard to keep up. I like this forum alot. It has realling helped me understand so much. Plus if I sit around here all day I will drive myself nutsd thinking about my situation. It is easier to come here and be a part of people who understand. I have a sister that lives really close but if she even knew half of this she would be wired. "Pay your bills" Thats like getting money for free. I don't believe in that. I once thought of asking her if she would like to join the forum but thought it was a terrible idea. I don't think I could handle evryone knowing my business and hearing the sermons.
I hear you fireyone, I would not want my family on here either, so just leave it alone, we are here for you, you don't need family on here, you have family on here, LOL.
Very true. Not only that I could see the accusations. It would be alright if it was them or they could remember their past but I hear enough of it and do not need it hear.
Yes as per the BBB records, the address given by Fireyone is correct. This collection agency is a BBB accredited business and has a satisfactory rating.
Hi Satya,
As I have never communicated with UNC i dont have the address with me but you can check it at the BBB site. If it is a legitimate organization you will find it with the AG's office as well.
unc
818-285-0886
this is the number i have for them with my account through them hope it helps
Great information Danielle :). Thanks a lot.
I tried calling the number but they kept me on hold forever. I did not have patience to continue.
Now they are no longer in service? Just tried calling.
From My Credit Report
I was just looking over a copy of my credit report I pulled on Nov 15 2007 and it lists the @ for them as 800-879-5453. Haven't tried calling it b/c I don't have the money right now to settle up but maybe that # will work for you.
Thanks a lot for the number Showard. I hope this will help many who really needs a proper number to the concern.
You can always call, but calling a collection agency is a big no-no. I will outline why in a later informative post.
RE: so how do i get a hold of unique national collection?
I found them on my credit report also, but their claim on me is legitamate. I moved last year ans my library books got taken to the new house in a box, rather than the library...
Anyway, I found their address on my credit report and looked then up that way. I found the following web address. I followed up through the 'Contact us' link.
I will admit that the purpose of website does appear to be for the libraries that want to use their services. I could not find a place to make a payment, etc. I did contact and hope to receive some kind of response soon.
Good luck,
Jeydan
.unique-mgmt.com
Don't just pay it. You need to either try a pay for delete or use the 1-2 punch:
When I was repairing my credit, this was the most beneficial thing to me. I had a couple verify with the CRAs that the information was correct (one being Afni) without ever responding to my request for validation. I sent Afni a firm intent to sue letter demanding deletion by a date or further action would be taken. It was removed. I also emailed their legal staff from addresses I found online.
The CA has 30 days to properly validate. Disputes with CRAs generally last 30 days as long as you dont call in with new information. They can then add another 15 days stating you have added new information, even if you haven't. Better not to contact them during disputes.
Thing is, for relatively old CAs or collections that have been passed on to Junk Debt buyers, they can't provide proper validation. One of their tricky techniques is to say they sent you a letter that you didnt respond to. That doesn't matter. They may send you a letter asking for more information such as ssn# etc, but as long as you provide the account # they are just stalling. Ignore it. 30 days have passed, you can assume the debt is not valid.
If they verify with the CRAs and don't validate, it's time for the ITS. A firm ITS. It's gonna be deleted or they are paying you $1,000.
Hi Diem
How long did it take to remove the item once you sent them the intent to sue letter? Did they remove by the mentioned date?
Also please elaborate on the ITS. I am not aware of it.
thanks for the#
credit report
why did this come up on my credit report
did you owe some company money that this company could be collecting for?
hi charles
The listing in your credit report must be from a CA or a creditor from whom you have borrowed money at some point of time and have not repaid it. If you think that you do not owe any money to anybody, you may send them a DV letter asking them to validate your debt. They will take 30 days to validate your debt from the date they receive your letter. If they don't reply after 30 days sent a dispute letter to the CRA telling them that you do not agree with the listing.
not to my knowege
Unique Collectiona
To avoid Unique getting the collections fee, go back to the original debt and just pay up.
I did get a hold Unique and they encouraged me to settle with LA City Library. I did this for a reduced fee and the issue was off my report in 1 cycle.
I would rather give my DUE money to the local public entity any ways.
building up from 605
Hi Charles
The CA listing is shown in your credit report only when the original creditor sells off the debt to the CA, else the name of the original creditor is displayed in the credit report as far as I know. Since you are sure that you do not have any debt, you can directly dispute the listing with the credit bureaus, who will verify the listing with the CA and remove it from your report.
Sounds like you got some good advice here. Please be sure that you get the debt validated. If it is not your debt then they shouldn't be able to validate.
JT,
I have dealt with several collection agencies and many, many times once the account is sold off or charged off the original creditor is well off the books.
If the account is over $600 the original creditor has probably already reported off to the irs as a loss and will soon come back to haunt you via a statement of income and you will have to revamp your taxes for that year and probably end up owing the IRS because you did not pay the taxes on that income, This happened to me. It was a few years later, but it happened to me.
So this is a way for you to know that the original creditor has completely washed their hands of the debt. You will probably only be able to pay through the collection agency.
This is just what I have experienced as far as a charged off debt.
What exactly are you saying GN. that if someone writes off your debt that it is then considered a profit for you that has to be taxed through the IRS? I am not quite understanding this and have never heard of it before.
Fireyone,
If a creditor charges off a debt for $600 or more they write it off as a loss, somebodies loss is always someone elses profit. So, if you have caused the company this loss then the irs considers it your gain, therefore making you liable for it as income. It would be listed under other income. If this happens you will get a form in the mail from the irs, they are very avid when it comes to collecting these funds. I have had this happen to me, it was a few years old, but it caught up to me. Capital one reported a card as a loss and I got nailed with an income gain on it from the irs and had to pay a penalty for it.
Whoa. I had a capitol one charge off back in 2001. It is past SOl. The only other debt now is a providain one that I am figuring past SOL (or should I say hoping?) How do they get a hold of this info? What kind of penalty did you ahve to pay?
You would have gotten a 1099 in the mail by now, so it must not have been more than $600 they charged off, don't worry if the report it to the irs, the irs will contact you to get their tax money off it. It will be in the form of a letter with your tax information on it for that particular year, it will state what is owed and you will be given a chance to state your case. If you can not prove that you don't owe it, then they will set you up with a payment plan.
Wow. This is seriously all new to me. The original debt was like $500 but by the time they sold it the interest and over the limits put it up over a grand. Do they charge you like regular paycheck taxes or how does it work?
Yeah, it is income so it would be treated as such, so comparing it to a pay check would be about right. If you haven't heard anything, I would not worry about it until you get somethning in the mail, if you do. You may not ever.
Well I will definately keep my fingers crossed. What doeasn't make sense out of all this is even if a company charges off a debt doesn't mean you don't get out of paying it. Say it is sold to a collection agency and they sue you before the SOL is up. You are still paying that debt, sometimes triple fold. So is it correct in figuring this scenario: Capitol one charges off an account from 2003 and then sells it to a CA. They in turn settle with you for 80% of the $1,000 bill. then are you charged for an income by the IRS for the other $200? Or are you charged from the very beginning of the write off when cap one had it?
No, if it is there intention to collect the debt then they will not turn it into the irs, if they have charge it off then they have no intention of collecting it, they are leaving it up to someone else to collect and make profit on.
So charged off means it is not in their hands anymore.
Thats good to know. I wonder if once it is past SOL if the gov. can figure that out and still charge you on it. Doesn't mean your never gonna pay it...just means you haven't yet.
I wouldn't worry about it, if it comes in the mail then you will know, you have no control over it at all, no sense in even worrying about what you can not possibly know. All you can do is wait and see.
I have taken that attitude with alot of things these days. I use to worry myself about crap that more than likely wouldn't happen but I just quit. It took alot of talking to myself but hey who better to listen.
I would not worry until I got something in the mail
Not goona. have enough haunting my dreams now.
I think that since it has been so long that you should be okay, no sense in getting all upset over something that you can not control anyway. Just wait and see what happens.
I may call the courthouse as someone suggested. If I can get myself to make that call. I know if I did it would relieve some stress but there is always the other side of the coin too and that is something I just can not deal with at this point.
Just make the call, you will feel so much better when you find out that your ghost is not there.
I really doubt they are but I am gonna call. Trying to catch my posts up at the moment.
Do you answer every single one fireyone? how do you do it?
I think she hits most, she chases me around, lol
I try to. Right now I am not working so it isn't too hard to keep up. I like this forum alot. It has realling helped me understand so much. Plus if I sit around here all day I will drive myself nutsd thinking about my situation. It is easier to come here and be a part of people who understand. I have a sister that lives really close but if she even knew half of this she would be wired. "Pay your bills" Thats like getting money for free. I don't believe in that. I once thought of asking her if she would like to join the forum but thought it was a terrible idea. I don't think I could handle evryone knowing my business and hearing the sermons.
I hear you fireyone, I would not want my family on here either, so just leave it alone, we are here for you, you don't need family on here, you have family on here, LOL.
Very true. Not only that I could see the accusations. It would be alright if it was them or they could remember their past but I hear enough of it and do not need it hear.
Address for Unique National Collection.
I need an address for the collection agency. Does anybody know what it is? Please get back to me
Unique National Collections
President Charles Gary
515Michigan Ave
Jeffersonville IN 47130-3412
(812)285-0886
Yes as per the BBB records, the address given by Fireyone is correct. This collection agency is a BBB accredited business and has a satisfactory rating.
So it looks like they are a safe company to deal with. Glad I could get ya the info you needed.
correct
800-879-5453 just spoke to them
what if i cant pay that much money what do i do?
How do i delete them off my credit report
newbii
how can i find out how or why i owe these people money??