Who is Unifund CCR, LLC?
If you've been sued or received a collection letter, you might be wondering, who is Unifund CCR llc and why are they claiming you owe them any money? You've never borrowed any money from them, and you might've never heard of them before. This is a common cause of confusion because Unifund CCR is a company that buys defaulted debts from other creditors. If you fell behind on a credit card in the past, Unifund CCR may have purchased your account from your creditor and is now seeking to collect on the balance.
If you're being sued by Unifund, you should know that you're not alone! As part of their business model, Unifund CCR brings a large volume of lawsuits against consumers in New York. In 2018, they brought over 1500 cases statewide in the New York Civil Courts. In just the month of January 2019, they brought 378 lawsuits. Most of these cases are being brought through the debt collection law firm of Mullooly, Jeffrey, Rooney & Flynn, LLP.
At the Law Office of Simon Goldenberg, PLLC, we are dedicated to debt relief and consumer protection. Don't let Unifund get the upper-hand! Defenses to your debt may exist, and oftentimes lawsuits can be settled under reasonable terms. Call today for a free phone evaluation and learn how we can help protect you.
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Do I really owe Unifund CCR the amount they claim?
Maybe, but you won't know unless you take some additional steps. Additional information needs to be obtained in order to determine the identity of the underlying account and pertinent information such as the date of last payment, the balance due at charge-off, the interest rate, and more. When defending a lawsuit, you have the opportunity to conduct "discovery", which includes requesting evidence of the underlying debt, and proof that Unifund CCR LLC is a bona-fide purchaser of the account.
How do I fight a Lawsuit from Unifund CCR?
Yes, it is always prudent to mount a defense to such matters. By defending your case, you will not only have the opportunity to determine the veracity of the allegations, but you may also gain leverage to negotiate a great settlement.
The first step is to file an Answer containing your defenses. Some example defenses are:
- This is not your debt.
- The balance is incorrect.
- The statute of limitations to bring such actions has expired.
- You have already satisfied your obligation on this account.
- You are a victim of identity theft.
- You have reason to believe that Unifund is not the owner of the account.
Debt Defense Attorneys in New York
By hiring an experienced debt relief attorney with the Law Office of Simon Goldenberg PLLC, you can rest assured that we will leave no stone unturned in finding a solution that fits your needs. We are aggressive litigators and are aware of the tricks and tactics that are prevalent amongst debt buyers. Unifund CCR llc is represented by highly specialized lawyers, don't let them bully you into submission! Count on our legal team to treat your matter with the attention it deserves and work hard to get you the right results.
Contact our debt defense lawyers at (888) 301-0584 to schedule your free evaluation.