What to Do if UHG I, LLC Has Filed a Lawsuit Against You

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United Holding Group, also known as UHG I, LLC, is a debt collector. They purchase debt for small prices and then collect the full amount from the consumer. Anything they collect from borrowers is then purely profit for them. If you have received notice that UHG I, LLC has filed a lawsuit against you, it is natural to become worried about your financial future.

It is important to know that UHG I, LLC is one of the most dubious debt collectors in the country. They often lack evidence that is necessary to prevail on their claims, making defending against these lawsuits fairly easy. Still, it is important to work with a Fort Lauderdale debt defense lawyer that knows the defenses available in these cases and that will give you the best chance of a positive outcome.

Who is UHG I, LLC?

UHG I, LLC is a third-party debt collector. They operate out of Williamsville, New York, but file thousands of lawsuits against borrowers across the country every year. Hundreds of the lawsuits they file are against Floridians and many of them are right here in Broward County.

The company is not recognized by the Better Business Bureau, and that may be because the company changes its name regularly, usually when it is convenient for them. This is most often when a consumer presses them to verify the facts outlined within their lawsuit complaint. To confirm that it is UHG, I, LLC that has filed a lawsuit against you, it is best to look for the name of the attorney in the paperwork you receive. The main attorneys who file lawsuits for UHG I, LLC are Jennifer Dillow and Dan Best.

The Consumer Financial Protection Bureau (CFPB) sued UHG I, LLC in January 2022 for illegal and deceptive collection practices.

Determine if UHG I, LLC Has Violated the Fair Debt Collection Practices Act

UHG I, LLC vigorously pursues borrowers trying to collect on the debt they purchase. They do this because it is the only way they can make a profit. In many cases, UHG I, LLC has even been known to break the law. They do this by violating the laws outlined in the Fair Debt Collection Practices Act (FDCPA), which is a federal law that protects every borrower in the country.

Just a few of the main protections outlined in the FDCPA for borrowers state that debt collectors:

• Cannot contact you before 8:00 in the morning or after 9:00 at night
• Cannot call you at your place of employment if you have asked them not to
• Must only communicate with you through your attorney once you have retained one
• Cannot communicate with your employer, neighbors, family members, or any other third party about your debt
• Must stop all communication with you at your request
• Cannot use profane or threatening language
• Cannot harass you by calling multiple times per day
• Must identify themselves as a debt collector when they contact you
• List your debt for sale to the public
• Cannot misrepresent the legal repercussions associated with failing to pay the debt, whether the statute of limitations has expired, or pose as another company

Again, the above are just a few of the stipulations in a laundry list of restrictions on debt collectors. Any time a debt collector such as UHG I, LLC violates the law, borrowers can file a countersuit against them to recover their losses, as well as $1,000 in statutory damages.

Steps to Take After UHG I, LLC Has Filed a Lawsuit Against You

There are some very important steps to take if UHG, I, LLC has filed a lawsuit against you. These are as follows:

1. Respond to the lawsuit: Debt collection companies such as UHG I, LLC hope that when they file a lawsuit against a borrower, the consumer will ignore it. They have good reason to believe that debtors will ignore these cases because many people do. Typically, you have only 20 days to file your response with the court. If you do not, the debt collector will try to obtain a default judgment against you and they will likely be successful with their request. Once a judge has issued a default judgment against you, UHG I, LLC will then have the authority to take legal action against you. This could be in the form of a wage garnishment, a levy on your bank account, or even a lien against your property.

2. Call a Fort Lauderdale debt defense lawyer: Before you file a response, you should contact a debt defense lawyer in Broward County as soon as possible. A lawyer can help prepare your answer and alert you to any possible defenses in your claim. For example, UHG I, LLC may not be able to verify that they own the debt, that you owe it, or the proper amount you owe. If any of these defenses apply, it could result in your lawsuit being dismissed.

3. Consider a debt settlement: In some cases, negotiating a smaller amount is more applicable than preparing a defense. Debt collectors such as UHG I, LLC are often very open to negotiating a smaller debt amount because they would rather collect on a portion of a debt rather than none of it at all. A debt defense lawyer is a valuable resource during these negotiations, as they have the experience necessary to obtain the most successful outcome for you.

4. Consider hiring a Florida bankruptcy lawyer: If there are no defenses available in your case and you cannot afford to pay a smaller amount, you may want to consider filing for bankruptcy. Through bankruptcy, you can stop collection calls from all debt collectors, and discharge all of your debt so you are no longer responsible for it.

Call Our Debt Defense Lawyers in Broward County Today

If UHG I, LLC has filed a lawsuit against you, our Broward County debt defense attorneys at Loan Lawyers can help. Call our Florida bankruptcy lawyers today at (954) 523-4357 or contact us online to schedule a free consultation and learn more about how we can help with your case