United Recovery Systems review: Annoying multiple weekly calls! 100

Just to let everyone know that I am a collector with URS, and yes we have to use certain tactics to get the debtor to pay off their debt in a timely fashion..Once you have defaulted on your original credit obligation, you have violated your contract with the creditor and leaves you at risk of paying the balance in full Today! I am not an evil person, we are not evil people, we have say all those things to debtors because thats URS's policy..If wedont follow script, then we can lose the file and our jobs..If you want to save yourself some further stress, just answer the phone, even if you dont have the money right now..Any man or woman would be a fool to not ask for balance in full Today..Some people do have the money, and how would you ever know that if you do not ask..And when you do answer the phone just say that you dont have the money right now, and we will be happy to set you up with payment arrangements for you..Another thing, be honest about your situation, dont try to lie... like saying you dont have funds, when in fact you do...and in stead of trying to argue with the collector about contacting your neighbors, just put yourself in the client's shoes..just think if you had to run down the person who owed you money, how would that make you feel..Stupid, for loaning your money and now you have to track this same person down and argue with them why they ned to pay you back..come on people, just pay your bills..JUST GROW A PAIR FOR GOD'S SAKE AND SUCK IT UP..ANSWER THE DAMNED PHONE..COMMUNICATION IS KEY ! Another thing is, if you send in a cease and decist letter to our offices...the creditor will sue you for the balance in full, WHY>> because you cut off all communication..If you have any questions about collecting..ASK ME! THE ONLY STATE THAT WE CANNOT CONTACT NEIGHBORS IS TENNESSE...

I am not crazy after reading the messages here! For months now I have been getting calls from this agency from one to four calls a day. Each incoming call on my Caller-ID is different than the previous ones. Most of the calls are terminated after one or two rings making me quite mad to rush to the phone with no one there. Again the balance of the calls answered there is no one there. Once I got a human on the other end who was concerned about my high debts and would help me with debt consolidation, I responded that I had no debts to consolidate and ended the conversation.

I have called the police and then my phone provider to see what can be done. I have followed their instructions to call back these folks and ask that they take me off their calling list. After answering tons of questions they said that they had the wrong person and they would remove me from their list. That was 2 days ago. Yesterday I again got a call from them at 8:30pm and again this morning at 8:30am.. In both cases the phone rang twice and by the time I got to the phone they had hung up.

I will bring this problem to the attention of someone who will bring this agency to their knees and perhaps PAY me for harassments over the past months. Time will tell which method I will use, this just the beginning !

Kisseyface you've got to be kidding me, I have no debt. My car is completely paid off, student loans paid off, I'm 29 with a fico credit score of 804, I got my current number about a year ago and then I started constantly getting calls from a collection agency, after telling them he doesn't live here they are rude and say have him call us, or where does he live, or why did he give us this number. I then started logging calls and asked whats this concerning, after they are finish I say you have the wrong number I'm logging this information and if you continue to call I'm contacting a lawyer, after a few calls they get it and they go away.

Then a couple weeks later a different collection agency calls, I go through the same thing. This has happened several times and today I got a call from this number asking for the same person and I blew up him saying, he doesnt live here and if you call me again I'm calling a f****** lawyer.

They call all times of the day and for a few weeks straight I had my phone ring at 8:AM in the morning, I work second shift so as a result I'm disrupted from my sleep. This is harassments I can understand if someone owes money but even then you should be a little more profession so tell me Kisseyface how do I stop this S*** if I don't owe money?

On June 20, 2008, I received a call from an 888 number. The woman did not identify herself or what company she was representing. She knew our name and asked if this was our residence, which I replied that it was. She then went on to tell me she was trying to reach one of our neighbors. She gave me the name and at the time it was not familiar, so I told her I did not know anyone by that name. Later, after telling my husband, he told me that was our new neighbor. There must be a way to file a federal complaint. I looked the phone number up on the internet and it belongs to United Recovery Systems. If I am not mistaken, it is illegal to call a person unless they are listed as a contact person on proper documents. I have not spoke to our neighbor concerning this, nor do I intend to as I do not wish to start a relationship in that manner. I would be extremely angry and embarrassed if my neighbors were being called. Is there any official place that I can report this call and actually have some action taken against this company?

I think some of you guys are over reacting. I had a debt with URS and to my surprise; I was treated better than most customer service companies I have dealt with. I guess we get what we bargain for. If you call an agency and start to be rude just because they are calling to get the money you owe, then I think that is ridicules. This is their job and let us gives them the credit they deserve. How many of you will want to loan somebody money and have to go through a process to get them to pay. I bet you guys that all that would have been way due in court. All you have to do is be a little polite if you don’t have the money and don’t be rude.

I am one of those who keep getting calls from these people regarding someone else.
Since I can not give them any contact information regarding the person they are looking for, how can I stop them them from calling me all the time?

I work for this company. I would like to take the time to explain a lot that I can't while I am working. URS is a company that has been in operation for over 30 years, it is one of the largest, and the FDCPA, GBLA Act, and strict Corporate regulations define what we can and cannot do. Essentially our job is to recover a debt in the least possible time as far as possible towards 100% of the debt. That doesn’t mean you have to pay it all now, or all of it at all, talk to the rep about it.

Some states have laws that override federal laws (FDCPA) but generally we can do all of the following:

Contact 1 time per day at any given number (or re-contact if no answer)
Home, cell, place of employment, relatives, neighbors (nearbys), multiples (same last name), associates (indicated on the credit bureau – CBR) and any other possible source of LOCATION INFORMATION (even the bar, minimarket, local – use your). But these third parties may be contacted only once unless we believe that in the meantime they might have acquired further info. There is a lot more to this and there are some limitations and variations that I can address in the future, but I don’t want this to be too long.

If we have a valid contact this STOPS – if you don’t answer the phone or call back it will continue. This is NOT harrassment. When we make a call, if we are unsure the number is a HOME or CELL phone for the consumer we will leave a very generic message that does not imply that a debt is owed.

Anybody we talk to, even at a home number, we will not imply the nature of the call except a "personal business matter" as we do not want to embarass anyone and it is against the FDCPA. Many people pry and want to know what it is about. Give us a break, we don't want to waste time either and we cannot disclose that information to anyone except the consumer, his/her spouse (with the exclusion of some states), attorney or any person that consumer may delegate, we have to record that permission before discussing.

If you say you are the person we are looking for, we are going to ask for a second verification either confirming the mailing address (a po box is fine) the last four of the SSN, or date of birth. This is for your protection. We have all this information anyway, not confirming justs wastes your time and doesn't solve your problem.

By the way – collection agencies are not subject of do not call lists.

Answer the phone, call back, be polite – we will too. We are here to find a solution, be sure there will be one within your capabilities. If it is not YOU we are looking for, sorry, tell us that and you will receive no further calls if we can define that you are a third party with no information.

Being a 3rd party collector we are not allowed to threaten like 1st party, most experienced collectors do not want to anyway. The new hires are usually pretty fired up, but we keep a close eye on them and they usually have an experienced collector next to them on one side or another. Sometimes a collector might seem rude but time is of essence, we have all heard every story, we will listen, but we have to make decisions quickly that take into consideration many things. The consumer (yes, we actually care), The client (original creditor), our company, and ourselves. Yes, we know something bad happened, we don’t need the raw details, we just need to find a solution.

Remember - your problem is not ours, we did not cause it, we are only here to find a solution that does not cost you a penny, there are no charges to you for the services our clients (creditors) pay for.

I agree with the prev emp of URS. He totally broke it down, that is EXACTLY what we went through. I too am a prev empl and I got migraines every day. Had to quit. They are horrible people there..

On two separate occasions, the collection agencies have contacted my two neighbors to deliver a phone message to me. I'm humiliated by their tactics, especially since I hardly know my neighbors. Under the Unfair Debt Collection laws, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer.

How about you pay your god damn bills. and you won't be harrassed. Read the contracts you sign, before borrowing the money from the bank. And your very wrong ISpVOIP amex is URS best client

These guys called my phone the other day. Being as awesome as I am, I couldn't help but fight back. Here's how the convo went down between me and the poor black man on the other end of the line... DISCLAIMER: I am not a racist, I'mm just fighting back.

URS: Hi, is [privacy] there?

ME: Who?

URS: [privacy], are you sure? He had this number before. Did you just get this number?

ME: Who the F*** is this?

URS: Who is this?

ME: Yeah, who the F*** is this you F****** N*****

URS: WHAT? [very serious tone now]

ME: Ohhhh, you don't like that do you N******. How about I hang you from my F******* porch?

URS: *SIGHS ANGRILY*

ME: Haha, Lucky you gets to talk to me! Now what can I help you with C***SUCKER

URS: Who am I speaking with? *ANGRY!*

ME: Ok, N******, you call MY phone and ask who it is? Shouldn't you know? Oh wait, the only people that get filled for your job are high school dropouts and former addicts trying to live a new, steady life...and N*******S! HAHAHAHA!

URS: *Hangs up*

They have NEVER called me again. EVER.

I can never figure out why so many people don't just do what I did. Have some fun, fight back, and make them want to quit!

Jesus ###ing Christ, on race principle alone i so dearly hope that you were sorry ### mother###ing redneck chicken ### debtor and he places you as no pay, then the creditor sues your ### for the balance in full and that conversation is played in court. you'll be ###ed.

I am contacting the FTC (Federal Trade Commission) regarding this company. My son has an outstanding debt which he pays monthly but the reduction of that debt is only a few dollars each month compared to what he pays.

Please, everyone contact the FTC. This is how class action suits are generated - by lots of people complaining about the same company.

This company needs to be closed down for good. I have been recieving calls for my aunt who does not live in this state and whom I have not had contact with for over 3 yrs. and yet they called me. The funny thing about it is the telephone they called me at was not in my name and is not my telephone. It was my mother`s telephone number. I got the runaround with this company about how they got this information about me. They claim to have some of my personal information and that I was put down as a reference by my aunt. I don`t know what to think and I do not like this situation and I do not expect this crap happening to me from this so called company.

Whoever typed here before... you all should be ashamed of yourselves. You all are such a stupid ignorant individuals that don't know anything about laws. All you know is run the credit card all the way and try to hide and see if you can get away with it.
YOU ALL DON'T HAVE A CLUE WHAT THE LAWS ARE, WHAT HHAARRAASSMMEENNTT IS AND HOW IT IS SPELLED
If you don't want calls from URS, PAY YOUR ###ING BILLS ON TIME! AND IF YOU ALL HAVE ACCOUNTS WITH URS... IGNORANTS! IF YOU PAY STRAIGHT TO OUR CLIENTES (AMEX, HSBC, ETC, ) WE (OUR COMPANY AND US AS COLLECTORS GET CREDIT FOR IT)
THANK YOU ### HOLES, BECAUSE YOU ALL FEED US AND OUR FAMILIES... LOVE YOU ALL!

PS.- GET A JOB, SO THAT YOU CAN PAY YOUR BILLS
GET SOME DIGNITY SO THAT YOU DON'T COMPLAINT IF YOU ARE NOT DOING THE RIGHT THING
AND GET A LIFE, SO THAT YOU DON'T HAVE TO BE TYPING HERE ABOUT TOPICS WHICH YOU DON'T HAVE A CLUE WHAT IT IS ALL ABOUT.

To those who seem to think that anyone who has a debt is lazy and unemployed, please stop. Debt happens, even to those who have more than one job. The only thing I can really recommend is to do research to make sure the debt is not yours and then if you find out any part of the debt (or any debt for that matter) is yours, get an attorney that specializes in debt relief, and have them work with the company who owns/has control of your debt and work out a payment plan. It's what I did and I don't regret it at all. I tried working with URS and it got nowhere. I was completely ignored until I got the attorney and even she had to call more than once to get any kind or response. URS might be good at getting the money owed from debts, but they sure aren't all that good at working with people!

You people sitting here whining and complaining does nothing, if you actually took the time to speak to the person calling you and did things the Right way you would not have so many problems with "Constant Phone Calls", they can be reasonable people but when you get on your high horse you push them to act in a manor that is unprofessional, well... you bring it upon yourselves, so your Bank/Creditor sends you to collections...### Them! you end up wining, because if you know how to act professional yourself and negotiate with them you will get better results than trying to negotiate with the bank themselves, i mean come on banks charging you for making payments late? why would you want to throw more money to those hungry sharks and entice them to keep taking it? And remember it's because of people like you that the economy is the way it is.

We have to stick together. If we as consumers lodge continuous complaints about URS, then the government will have to do something. Our voices will be heard. Here's some info on how to lodge a complaint.

They called me looking for my family, stating someone on the account had used my phone to call them. I said, it's unlikely. Isn't it against the rules to take a phone number down as a contact information just b/c it was used to call in? When I refused to verify information for them until getting complete disclosure from them, they told me my family member's full name, last 4 digets of their social security number, and full address. They threatened that my family member's financial debt would now be linked to me.

I knew my rights, and I knew they were just bullies. I asked to speak to a manager and had him remove my phone number from the account. I told him the violations of the law his staff had just committed. He said that didn't happen that his staff was just trying to get more information. Then he pursued the same tactics - trying to get information from me. When I asked him what company he worked for (b/c I knew Citi bank sold this account to him), he refused to answer at first stating since I wasn't connected to the account he couldn't tell me anything. I said, I'm not asking anything about the account, I wanted to know what company he worked for. He reluctantly told me. I told him I would be filing a complaint. He said, it's not harrassment, you can't file anything. I said, wanna bet!

The link below will take you to the actual code that protects consumers from greedy vultures like URS:
http://74.125.45.132/searchq=cache:N8VLI_XcsooJ:www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf+FDCPA+laws&hl=en&ct=clnk&cd=1&gl=us

The link below will take you to the Federal Trade Commission’s complaint site. It will allow you to immediately go through and file a complaint against United Recovery Systems. After clicking the link, click the icon on the right of the page to begin the complaint wizard. https://www.ftccomplaintassistant.gov/

Fight the power!

If you feel you are being harassed ...ask for the company's fax number and send a Cease and Desist letter. Your account will be marked Do not call. You may also mail/fax a complaint against the collector or ask to be transfered to Compliance. You may include in your cease and desist letter not to call your neighboors, relatives, or friends. If you are having a rough time paying bills...you may send a hardship letter. Your hardship letter may include a cease and desist. You often can settle an account as low as 2% at the risk of your credit.
The debt collectors themselves have a ridiculously high turn over rate, so you can imagine the amount of unskilled and rude people that are employed, but in general their manager are going to be easy to talk to.
This company also has its very own law office...if their clients choose so...URS may file suite against YOU. The company is very very aware of the law, and knows a million ways to "get around" it or use it to their advantage.

i have a thought maybe all the people on this forum ### about bill collectors calling them need to stop spending money they dont have. also its totally legal to call peoples neighbors, family members, landlords etc... to get the information on the whereabouts of the person in debt. furthermore, did you know that its illegal to have a credit card run up the bill and not pay it. its in the terms of your credit card contract you probably didnt read. alot of the people here on this forum give bill collectors the run around because " they are bad people" or whatever your reasons may be. but is it not also wrong to spend money and not repay it whatever your circumstance may be did you know that at urs if you just listen to the people on the phone they do in fact try and help you come up with the best solution to your problem. debt is everywhere I personally take pride in helping people solve there problems with this matter. of course there are some bad apples that need to be weeded out but im sure everyone at every job has a handfull of those. cant wait to here your lovely responses to my opinion although youll never be able to change it. forums like this where people ### and ### is utterly pointless. in the longrun is your problem really being solved. and the obvious answer to this is absolutely not.

For all of the people that are saying some of us run up credit cards and live off stolen money, you are completely wrong. My husband and I worked for the same company, we had money, made money spent money. All while working hard for it. We invested money. We did what normal Americans do. However, we, and 85 other employees were "laid" off and the company closed. No pensions, no benefits, all medical coverage was canceled, we were overwhelmed with everything that was now "not covered" by the insurance company. Now, keep in mind it was about 6 months ago. Where can you find a job that you made well over 100, 000 a year at right now? Please tell me, if I knew, I would have it. Everyone has their story on how they got where they are and why. Don't go judging everyone due to the fact that they have over due bills. Maybe Credit card companies shouldn't give credit cards to every single person out there. As far as calling people ###, is that entirely necessary? I hope that some day, the stuff that has happened to us happens to you. When you have no alternative. Getting foreclosed on, or pay your credit card bill? No one wants to make that choice, but unfortunately some of us are forced to. We are all victims of circumstance and until you've walked a day in anyone elses shoes, I suggest you keep the vulgar, harsh comments to yourself. We are working minimum wage jobs, just to keep food in our mouths. We can't pay loans, we can't pay credit cards, we can barely pay the rent on our dumpy apartment that we were forced to move into. Everyone is always good at casting stones, wait til those stones come flying back at you.

I would say that people who have complaints against URSI fall under one of two categories. The first is: people who have worked for URS and were not up to par, so you have to moan and groan about the policies and procedures of URSI. Or the 2nd category, people who are trying to find any reason not to pay their credit card debt, which is why you are in collections.

Now, I am not saying that things don't happen, and cause you to fall behind. Those are the people who benefit from URS services. But, to me, the people who don't want to be contacted, the people who don't want to come to terms with their debt, and the people who have unrealistic "needs" that they want a collector to compromise for them, are the people who seem to have the most complaints.

I am a current employee at URS, and the training that they provide goes above and beyond. I have not ever met a manager or collector who is unprofessional at URS. The managers always go out of their way to make the collectors feel comfortable and appreciated. I am perfectly satisfied with my position in the company, and the training I have went through.
So before you complain about URS, please check to see what category you fall in.

Lisa Adadey- You clearly didn't bother to read more than two of the responses. Many of the posts here are written by people, like me, who are neighbors or distant relatives of people with outstanding debt. Innocent bystanders with excellent credit who are being harassed at home during their spare time by collectors like you. You should be embarassed with the satisfaction you feel with your job and the atrocious assumptions you make.

This morning my phone rang at 8:18. A man asked to speak to my father, using his first initial and last name. I politely told him that my dad could not come to the phone, and asked if he'd like to leave a message. He replied no message but would call again at a more convenient time. I then informed him that my father died in Sept. 2006 and asked if there was something we didn't know about which needed to be paid. He immediately started yelling at me Why didn't you just tell me right off he died? Before I could find out what was going on, he hung up on me. Fortunately he had mentioned something about URS, so I got on the internet and looked it up. Not pleased with what I found. A few minutes ago, I called URS. A very polite woman listened to me and connected me to someone else. During the course of the conversation with the man I was connected to, he actually asked if my father's address had been street so and so. I told him no, then he mentioned Dothan. Which is a city in Alabama, but way to the south of where my father lived. Whoever they are wanting to contact has the same first name and last name as my dad. He mentioned a middle initial W. My dad's is L.
He asked if the last 4 digits of his social security number where **** and I told him not even close. My feeling is that they had a first name and a last name and somehow in searching that name, came across my dad's information, the phone number is still listed in his name. So they called here. Turns out that Dothan has a different area code. One would think that whoever turned the debt over to URS would at least supply the correct area code. The man who called me put a "deceased" notation in the file. The person I talked to when I called has to remove the notation, update the info, and he did apologize for the rudeness. I of course do not accept that apology-I never do when someone apologizes for another person. I hope this is the last I hear from them. For the record, my dad had no outstanding debts. If they call back, I plan on giving them the phone number of the cemetary where my dad is buried. And I might ask them to let me know if they talk to my dad, that would mean he isn't dead and I can dig him up and bring him home.

whyjudge, if you are indeed an employee of URS, please clue me in on how they got my dad's phone number.

Keep in mind same first name and same last name. Did they do a search of some kind and stop at the first one that turned up? Did they not notice the 2 names were in different cities? Makes me wonder if URS does the same thing with others-same name, but wrong person. Heaven help anyone who has to deal with URS and it's rude employees. There was no reason for the man to yell at me. At least I was able to clear this matter up and it had better stay clear. If not, my attorney will be notified. Complaints will be made to the appropriate agencies.
Something is very wrong when a company starts calling the wrong people and makes no attempt to verify information.

Before you pay URS or any collector a cent, be sure the debt is valid. Even if it was valid at one time, it may not be now. Even the IRS is limited to 10 years after the date of assesment of taxes. Each state has its own time limits for debt collection (statute of limitations). In New York, it's 6 years. However, if you make a payment to a collection agency, you "restart the clock". Many companies pay pennies on the dollar for info, then try to bully/frighten/embarass you into providing personal info and making a payment an OLD, LEGALLY UNCOLLECTIBLE DEBT. Then they have you by the short hairs.

Since my last post, I have done a simple search for the person they were looking for. At whitepages.com I entered the name and the city.
The info I was seeking popped right up. The phone number for the man is nowhere near the same as my dad's number. I then did a reverse number look-up. I entered the city's area code, and my dad's phone number. NOTHING was found with that number.
I really didn't think that 2 people with the same first and last names living in 2 different area codes would have the same phone number.

And I'm still waiting on whyjudge to respond. I may be waiting in vain.

If I can find out the info in less than 20 seconds, URS should be able to find it with no problems. But it seems that they are lazy and don't want to do any research to find whoever they want to contact.

United Recovery Systems representatives are RUDE, HARASSING, UNPROFESSIONAL and unhelpful. I have NOTHING to do witht he reasons for the phone calls (multiple through the day). I have asked them to stop calling and inturupting my work day, they said that they have the right and to talk to my congressman. I have a job to do and the individuals they are looking for will NEVER be found. They were on the phone with them 1 day and asked them to stop calling. I asked for a supervisor, I was put through to Anthony (can I say JERK) who promoted such an unprofessional individual..."I cant talk to you have the attorneys call me"..No attorney would want to waste there time on that piece of crap company! I will now make a point to call his extentsion everytime he inturupts my day. Pay backs are a b*^%$, if I cant work than why should he. Phone calls have now gone to the individuals residence. 5 messages in a day! Harassment charges are pending..ha! Mark and Anthony when I say they are not here, they are not here! Get a new attitude you Jerks.

Joe Truex, of the URS company...CONSTANTLY calls my office looking for a certain person. He speaks like he is the guys best friend and never says what he's calling for. He has NO business calling my office if he can't have a reason as to why he's calling.

He is a total [censored]! Apparently, he's from a collection agency..i've gathered that much info from online messageboards. He should have his subjects personal info (cell, home #) but what are the rights of a business regarding collection calls?

Thanks.

These people are absolute bottom feeders. I was visiting my best friend over the holidays, when I got a call from my Mom saying some woman has been calling everyday twice a day looking for me, nevermind that I haven't lived at home for 16 years! Then, as I am sitting in the car with my best friend, she gets a phone call from the same woman asking for contact information for me, as she is an attorney, she quizzed the he'll out of this woman Wendy English trying to figure out how she got her number, as she and I hadn't been roommates in 7 years. Wendy told her she had called my friends arents home and spoke to her younger brother who gave her my friends cell phone number. My friends parents moved several years ago and got a new number, how did this woman find them?!? Nevermind the fact that it's extremely embarassing! I wound up calling Ms. English back, and she threatened and cajoled me, who really didn't know any better into paying am exhorbitant amount of money as a good faith payment, then monthly payments of nearly $500 in post dated checks. I can't afford this but have no idea what to do at this point. I tried to lower payments and they said I couldn't unless I planned to pay off the debt. Short of stopping checks thru my bank, what else can I do? I sooo can't afford this! Can anyone help?

To everyone- You have many rights as a consumer through the FDCPA (Fair Debt Collection Practices ACT). Look it up and see what your rights are, it's only a few pages long. There are a few individual state rights in addition to these. As far as being anyone other than the consumer with the debt, you are only allowed to be called once every 12 months for information regarding the consumer. So your neighbors shouldn't hear from your debt collector more than once a year. Also, you HAVE EVERY RIGHT TO TELL THEM TO NEVER CALL YOU AGAIN! But guess what- that's an automatic Refusal to Pay. I know a lot of debt collectors are rude and some have absolutely no conscience- but if you would pay your bills, you would never have to deal with them. I never have, and I don't plan on it. :) Just talk to them right away and get everything taken care of/arrangements made, and everyone is happy.

I just received a call from these ###ers.
my god.
what out of "I am filing for bankruptcy" did she not understand.
why would I go and pay 6000$ out of my 405$ unemployment check when its gonna be wiped clear in a month anyway.

you know why cause credit companies hate when you file for bankruptcy because they dont get ANYTHING.

but really all they are asking for is money you NOW owe them.

anyone who used there loan to buy something and paid their bill for over a year already paid them back for all they spent.

its just the interest that is ###ing you and keeping you in that loop for 10 years.

so i say ### the creditors ### the federal reserve system. they are all just making up there own money anyway - goggle - zeitgeist

Chris17- Pay your bills and you wouldn't have anything to complain about. If you can't understand or agree to credit contracts, you should probably save up money until you can afford something, and then purchase it. Credit is a privledge. One that apparently some people don't deserve. People who can't pay their bills and identity theft leave creditors to foot a lot of bills. And guess who the debt gets rolled down to- people that actually pay their bills.

Thanks Chris.

That's not true at all... I work for URS, it is a very lucrative business, and no... not all of us are sour. But in regards to your bankruptcy comment chris... I absolutely love it when I get someone on the phone that is filing... for 2 reasons:
1. I will not have to call and waste my time and energy locating someone who is a complete deadbeat and doesn't know their limit to spending.

2. Hopefully, when you feel the shame of having to file, you wise up.. then again. I never have to contact you. Either way.

Debt collectors DO NOT want to contact deadbeats anymore than you want to be contacted. I personally take it as an insult that all of this negativity is on here. I work hard for my client and the debtors to improve their situation. I never wake up in the morning wanting to make others lives hell. Debtors get so defensive when they owe money and feel trapped with no way to pay... GUESS WHAT? Just because we are collectors doesn't mean we don't have debt. Most of us can relate to the economical hardship that life has given a majority... SO DO US ALL A FAVOR... RESPECT YOURSELF ENOUGH TO LOSE THE PRIDE AND ADMIT WHEN YOU CAN'T PAY, AND ADMIT WHEN YOU NEED HELP> Not all of us are as horrible as you think.

nbrhdcollector, please read my previous 3 posts. I'm still waiting on an answer to my questions.
I repeat: Do they search for a name, and stop at the first one they come to? Do they not have the correct contact info to start with, therefore resorting to a search? If the person they want lives in another city in my state, with a different area code, phone numbers totally different, HOW did they decide to call here asking for my dad?
And why the rudeness when I told the guy my father is deceased?
I hope URS found the person it was looking for-if they didn't please let me know and I will give you the info URS should have had BEFORE they ever picked up the phone to make the call.

The problem, folks, is the credit card companies. They are usury. Look up this word. I have a credit rating in the high 700's, but I just got a credit card offer with an APR on it of over 23%.. This is usury. Why should I even receive this kind of 'offer' in the mail. Even be tempted to follow up on it if I were to be in dire straights and need the money. It's as bad or worse than 'check into cash' or those other rip off companies who, once they have their teeth in you, you never get loose. Segue to companies like URS. Yeah, URS called me today and I hung up on them. Can you imagine that they are representing, mostly, these same usury credit card companies? And proud of it? The gall to blame so fully and simply the consumer?

The banks have just ripped off the entire country. Show your outrage. Make them toe the line. Write your congressmen. Remember that URS probably would not exist without the usury banks and credit card companies and their usury policies which many times take advantage of stupidity. Educate yourself. Write your congressman. Show your outrage.

I RECEIVED A CALL FROM THEM TODAY. THEY HAVE BEEN CALLING BOTHERING ME FOR SOMETHING THAT HAS NOTHING TO DO WITH ME. THEY ARE EXTREMELY RUDE AND UNPROFESSIONAL. THEY LEFT A MESSAGE ON MY PHONE LEAVING DETAILED INFORMATION. THEY HAD NO IDEA WHO COULD HAVE LISTENED TO THAT MESSAGE! I'VE TOLD THEM OVER AND OVER AGAIN THAT IT'S NOT MY ACCOUNT. HOWEVER, THEY WON'T STOP. THESE PEOPLE ARE UNBELIEVEABLE!

Suggestions: Pay your bills ladies and gentlemen. Read the terms and conditions of your credit accounts when you borrow money from a creditor. Read the FDCPA. Keep in mind that not all debt collectors use strong arm tactics, break the law, or insult the consumer. Some collectors/agencies have excellent incentive programs and options to help you repay your debts. Remember they are your debts. In any conversation, if you remain professional, the person handling your accounts most likely will do the same. If you are not the correct person the collector is trying to reach, calmly explain that they have a wrong number and ask them to remove your number from their dialing system.
Thank you.

LOL, 90% of the comments on here are from people who have no idea what they're talking about. Creditors can call ANY NUMBER to try and get ahold of you, until they know that they have a good #. And guess what, if you don't answer your phone, how do they know it's a good #? Most people that don't pay their bills also don't update their contact information with current address/phone #s, so they have to hunt for you to track down the thousands of dollars you spent and owe the credit card company. Also, FYI, a collector ISN'T going to tell your employer/friend/family member why they're calling because it's illegal. Would you rather they say "Oh yeah, the reason I'm calling Jane is because she's a deadbeat that doesn't pay her bills."

When I was a collector, I LOVED it when people filed for bankruptcy, because then I just needed the attorney's name, #, and I could then close the account and move on to people that have money instead of listening to excuses/hard luck stories. As far as complaining about this being the credit card company's faults- if you shut them down, you'd have to shut down diet pills, magic acts, wonderbras, and anything else that serves its purpose, but has its own downfalls and illusions. Some people benefit greatly from credit cards, some don't.

Pay your bills, learn your lessons, grab your checkbooks, and go back to good old-fashioned paying with cash. There is no middle class anymore because everyone would rather pay banks thousands in interest every month. Figure out how much money you're paying in interest every month- you're paying the banks out of your paycheck. It's your own fault.

UNITED RECOVERY SYSTEMS IS ONE OF THE KINDEST COLLECTION AGENCIES AROUND !
THEY'VE BEEN IN BUSINESS APPROX 34 YEARS AND ARE ONE OF, IF NOT THE LARGEST COLLECTION AGENCY IN EXISTENCE . . . YOU DO NOT GET THAT LARGE AND SUCCESSFUL IF YOU ARE BREAKING THE LAW !