Universal Accounts, Inc.

- 690 E Green St, Pasadena, CA 91101

In the financial and legal landscape of California, businesses and individuals often interact with a variety of service providers. Universal Accounts, Inc., located in Pasadena, is one such entity that operates in the area of collections and accounts receivable. According to publicly available information and reviews, the business functions as a debt collection agency. It is important for consumers and businesses to be aware of the nature of such entities to navigate financial matters effectively. This article aims to provide a clear and factual overview of Universal Accounts, Inc., based on the data available, to help users in the California region understand its role and function in the financial services sector. The information presented here is based on public records, business profiles, and customer feedback, offering a neutral and informative perspective on the business.

It is crucial for individuals to understand the distinction between a law firm and a debt collection agency. While a law firm provides legal counsel and representation, a debt collection agency is a business that specializes in recovering debts on behalf of creditors. Some reviews and reports have pointed to instances where Universal Accounts, Inc. has been accused of misrepresenting itself as a law firm. This kind of feedback is significant for consumers who may be contacted by the business, as it highlights the importance of being knowledgeable about one's rights and the legal requirements for debt collectors. The Federal Fair Debt Collection Practices Act (FDCPA) and California's Rosenthal Fair Debt Collection Practices Act (RFDCPA) outline specific rules that govern the conduct of collection agencies, including prohibitions against false or misleading representations. Being informed about these regulations is key for consumers seeking to protect themselves from potentially illegal practices, such as harassment or attempts to collect on debts that are no longer legally enforceable.

The information available also suggests that Universal Accounts, Inc. may attempt to collect on debts that have been "written off." A written-off debt, while no longer considered an asset by the original creditor for accounting purposes, can still be legally pursued. However, the legal enforceability of such debts can be complicated, particularly if they are old and have exceeded the statute of limitations. The statute of limitations for collecting a debt in California varies depending on the type of debt, but it is typically between two and four years. It is worth noting that a written-off debt does not necessarily mean a consumer no longer owes it, but it does mean the consumer has certain rights and protections. This is another reason why it is important for consumers to verify all information provided by a collections agency and to understand their legal standing. The information available about Universal Accounts, Inc. indicates that their business practices have been questioned by consumers, which further emphasizes the need for individuals to be vigilant and informed.

Universal Accounts, Inc. is located at 690 E Green St, Pasadena, CA 91101, USA. This address places the business in a central and accessible area of Pasadena. For individuals who may need to interact with the business in person, this location is likely convenient. However, due to the nature of debt collection activities, most interactions are typically handled via phone or mail. The availability of a physical address is useful for formal correspondence, such as sending a debt validation request or a cease and desist letter, which can be sent by certified mail to ensure legal documentation of the communication. The location in a professional building may give the impression of a legal firm, which aligns with some of the customer feedback that claims misrepresentation. This adds another layer of complexity for consumers trying to understand the nature of the business they are dealing with.

Based on publicly available information and customer reviews, Universal Accounts, Inc. appears to offer services primarily in the area of debt collection. As a collections agency, their services would typically include:

• Attempting to collect on consumer debts on behalf of businesses or creditors.
• Managing and pursuing accounts that have been written off by the original creditor.
• Contacting individuals via various methods, including phone calls to cell phones, to secure payment.

The reviews provided specifically mention that the business is a "skeezy debt collection agency" that "falsely stating they are an attorney" and that they "illegally call your cell phone." This feedback indicates that consumers have had negative experiences with the business's practices. It is essential for anyone who receives a call from this business to be aware of these claims and to understand their rights under both federal and state laws, particularly regarding phone contact and representation. The reviews suggest a strong need for consumers to exercise caution and diligence when dealing with this business, and to consider seeking legal advice from a qualified attorney if they feel their rights have been violated.

Based on the public data available, here are some key features and highlights of Universal Accounts, Inc. from the perspective of a consumer:

• Identified as a Debt Collection Agency: Public profiles and customer reviews consistently identify Universal Accounts, Inc. as a business that performs debt collection. This is a crucial distinction for consumers who may mistake the business for a law firm.
• Controversial Practices: Customer reviews allege that the business falsely states it is an attorney and that it engages in illegal phone calls to cell phones. These claims highlight potential legal and ethical issues in its operations.
• Focus on Written-Off Debts: The business is noted for attempting to collect on debts that have already been written off. This practice is common in the collections industry, but it underscores the need for consumers to be aware of their rights, especially regarding the statute of limitations.
• Physical Location: The business has a physical address in Pasadena, which is useful for consumers who need to send formal correspondence.

These points are based on information from public sources and consumer feedback. They serve as a guide for individuals who may have contact with Universal Accounts, Inc. to inform their decisions and actions.

For individuals in California, what is worth choosing when dealing with a company like Universal Accounts, Inc.? Based on the provided information and public data, the worthiness is not in choosing them for legal services, but rather in understanding how to interact with them as a debt collection agency. The reviews provided are extremely negative, with specific allegations of illegal and unethical practices. Therefore, a prudent course of action for any consumer contacted by Universal Accounts, Inc. would be to exercise extreme caution. Instead of engaging directly and without knowledge, it is worth choosing to be informed about your rights under the FDCPA and the RFDCPA. For instance, if a debt collector is calling your cell phone without your consent, or falsely claiming to be an attorney, these are violations of the law. You can request a "debt validation" letter to legally force them to provide proof that you owe the debt. If they fail to provide this, or if the debt is beyond the statute of limitations, you may have a strong case for not having to pay. Furthermore, it may be worth choosing to consult a legitimate, independent lawyer who specializes in consumer protection law. A lawyer can help you navigate the complexities of debt collection, advise you on your rights, and take action against any illegal conduct. The information available on Universal Accounts, Inc. underscores the importance of being an informed consumer and highlights the value of seeking professional legal counsel to protect your rights.

Universal Accounts, Inc.

690 E Green St, Pasadena, CA 91101, USA