How to Settle Debt With UHG 1, LLC and Protect Your Rights

You’ve received endless calls, emails, letters, and even Facebook messages from UHG 1, LLC. You’re feeling stressed and angry. Don’t give up hope.

You have legal options available. You can settle debt with UHG 1, LLC and avoid court. Here’s everything you need to know about your rights and how to resolve your debt collection issue.

What Is UHG 1, LLC?

UHG stands for “United Holding Group.” UHG, LLC is a third-party debt collection company. They purchase unpaid debts from credit card companies, banks, and auto loan providers.

Ready to contact UHG 1, LLC? Use this contact information:

• Phone: 844-511-2047
• Email: info@uhgllc.com
• Mailing Address: One Maroon Circle, 9781 S. Meridian Blvd., Suite 340 Englewood, CO 80112
• Website: https://uhgllc.com/

Who Does UHG 1, LLC Collect For?

UHG 1, LLC routinely purchases delinquent accounts from Lending Tree and LendingCorp. They buy these accounts for pennies on the dollar. Then they file debt collection lawsuits against consumers.

Check UHG 1 LLC Reviews Online

Want to know what others say about their experience with UHG 1 LLC? Check out these online reviews:

• UHG 1 LLC reviews on Better Business Bureau
• UHG 1 LLC reviews on the CFPB consumer database

The online reviews for UHG 1 LLC aren’t all five stars. Don’t let mixed reviews stop you from engaging with them. Most debt collectors are open to working with people. Effective communication is the key.

Know Your Rights When UHG 1, LLC Contacts You

You have protections under the Fair Debt Collection Practices Act (FDCPA). Here are your main legal rights:

• Debt collectors cannot contact you before 8:00 AM or after 9:00 PM.
• Debt collectors cannot call you at work if you’ve asked them not to.
• Debt collectors must communicate through your attorney once you’ve retained one.
• Debt collectors cannot use profane or threatening language.
• Debt collectors cannot harass you with multiple daily calls.
• Debt collectors must identify themselves when they contact you.
• Debt collectors cannot misrepresent legal consequences or pretend to be another company.

How to Respond to a Debt Lawsuit From UHG 1, LLC

You can represent yourself in court and save time, money, and stress. Our partner Solo helps you prepare legal documents and respond effectively.

Follow these three steps to respond:

1. Answer each claim listed in the Complaint.
2. Assert your affirmative defenses.
3. File the Answer with the court and send a copy to UHG 1, LLC.

Now we’ll break down each step further.

Answer Each Claim Listed in the Complaint

Your Answer should respond to specific allegations in the Complaint you received. You can admit, deny, or deny due to lack of knowledge.

• When you admit a claim, you’re saying “This is true.” Admitting all claims would likely lead to judgment against you.
• When you deny a claim, you’re saying “Prove it.” You’re refusing to admit it as truth before the court.
• When you deny due to lack of knowledge, you’re saying “I don’t know.” Use this response if you’re unsure about the allegations.

Most attorneys recommend denying as many claims as possible. Denials force UHG LLC to prove their case with documentation. Without proper proof, their case won’t stand.

Assert Your Affirmative Defenses

UHG holds the burden of proof in collections lawsuits. They must establish their right to collect the debt. They must provide admissible evidence that their lawsuit is valid.

Here are affirmative defenses you might raise:

• UHG failed to state the lawsuit basis: The debt collector didn’t cite a violated law. No legal reason exists to sue you.
• The debt is time-barred: The statute of limitations has expired. The time period to legally sue you has passed.
• Plaintiff lacks legal standing: UHG failed to prove they own your debt. They cannot prove they purchased or were assigned the debt.

File the Answer and Send a Copy to UHG 1, LLC

File your Answer within the court’s deadline. Deadlines range from 14-35 days depending on your state. Make a copy of the Answer. Send it via USPS certified mail to the attorneys representing UHG.

Negotiate a Debt Settlement With UHG 1, LLC

Settling debt collection lawsuits for less than you owe is common. Debt collectors often purchase your debt for pennies on the dollar. Even if you can’t get the lawsuit dismissed, you may settle for much less.

You may need to pay a lump sum to get the lowest price. If you can’t do that, expect to coordinate monthly payments instead.

Our partner Solo makes negotiating with UHG 1, LLC easier. Don’t offer to pay the whole debt upfront. UHG will likely accept a percentage of what’s owed.

If you were served with a Summons and Complaint, act now. Don’t bury your head in the sand. A few proactive steps could get UHG 1 LLC to accept significantly less through settlement.

The Debt Settlement Process

Follow these steps to settle:

1. If UHG 1 LLC filed a lawsuit, respond by filing a timely Answer. Avoid getting hit with a default judgment.
2. Calculate how much you can afford toward the debt. Don’t negatively impact rent, utilities, or other essential expenses.
3. Begin settlement talks with UHG 1, LLC. Your opening offer should be lower than your calculated amount. A lower opening offer provides room for negotiation.
4. Get the debt settlement terms in writing if you reach agreement.
5. Both parties must sign the debt settlement agreement.
6. Pay the negotiated amount as agreed.

Our partner Solo streamlines the settlement process. The platform assists with negotiations and keeps records of all communications. You can send settlement payments securely without compromising your financial information.