Sued by Unifund CCR LLC? Here’s What You Need To Know:
Updated: Dec 20, 2019
Did you just get a notice in the mail that Unifund is suing you? Are you wondering who Unifund is and why they are suing you?
Unifund is a debt buyer that purchases unpaid and delinquent accounts from banks, credit card companies, payday lending companies, student loans and accounts receivables, tax delinquencies, mortgage deficiencies and other consumer receivables.
On Unifund’s customer review website, they’ve received a 1 star, accompanied by 62 total reviews. The highlighted “con” to dealing with Unifund was cited as “worse than speaking with Donald Trump.”
There are complaints listed where Unifund calls “well after 9pm threatening you on debts you don’t even owe.” Many people are victims to the corporate bullying tactics that Unifund Collection employs in order to get paid.
If you have received a notice that a lawsuit has been filed against you by Unifund it is imperative that you RESPOND!
Respond To The Lawsuit and Make Unifund Prove Their Case
Many consumers do not realize that the burden of proof lies with the plaintiff. That means that Unifund, the plaintiff, has the responsibility of proving to the court that you, (the debtor/defendant) actually owe them money. You are “innocent until proven guilty” and that is your biggest leverage when dealing with a debt collection law suit.
Strategies involved in beating Unifund LLC in a debt collection lawsuit include, but are not limited to:
1) Make them show you a signed contract,
2) Make them show you any signed document that they have with your signature on it,
3) Make them give you a detailed list of accounting that would include all charges, payments, interest and any other charges that would show how they came up with the amount they are seeking.
If you fail to respond to the lawsuit altogether, Unifund will get exactly what they are asking for. You might think the debt is not yours or that Unifund is suing the wrong person. You might even think Unifund will forget about the lawsuit and it will go away. All of these thoughts are WRONG!
If you do not respond to the lawsuit within the 30 day window, the judge will then believe that you owe the full amount Unifund is suing you for. Unifund may then enter a default judgment against you. What this means is that Unifund may then collect the amount of money they are suing you for, plus interest, by garnishing your wages, placing a lien against your property, freezing the funds in your bank account, or garnishing the funds in your bank account.
Negotiate a Settlement with Unifund
If you are interested in negotiating a settlement with Unifund after a lawsuit has been initiated, it is best if you reach out to a skilled debt relief attorney. Often times, once the lawsuit has already been initiated, it is more difficult for you to negotiate a settlement on your own. Mostly because the lawyers at Unifund are so hard to get on the phone. Additionally, if you do get them on the phone, they are going to be less likely to offer you a payment plan and are going to ask for you to make a lump sum payment.
When you have an attorney negotiate on your behalf, your chances of negotiating a lower settlement is much greater. An attorney can also carefully review all of your information to make sure you aren’t paying debt that you don’t actually owe.
Call the Debt Relief Attorneys at RC Legal Group today for a free case evaluation!
858-800-2458 or email us directly at firstname.lastname@example.org