Is the Unifin Debt Collector Text Legitimate?

Scams are becoming smarter, harder to detect, and more prevalent. The days of people telling you to be careful on the internet are far from over, but it isn’t always a personal computer that can expose your personal information. As the internet spreads to your phone, watch, security system, and even your speakers. It’s difficult to know how to protect yourself.

A recent scam has been imitating a well-known company intending to uncover personal information such as credit card information, social security numbers, and more. If you have received a text from Unifin about an outstanding payment, you may be a potential phone scam victim.

The following paragraphs will look at Unifin, the debt collector text you may have received, and how to determine if a bill is legitimate going forward. If you are concerned that your info has been stolen, notify your bank, freeze your credit cards, and file a police report.

The Unifin Text & What To Do About It

The first thing that must be discussed about Unifin is how genuinely suspect they appear on paper. Their site lists their hours as Monday through Thursday, opening at 8 a.m., with no mention of when they shut down for the day. It has various spelling errors, is incredibly vague about the company’s purpose, and appears very suspect on the surface.

However, they are in the Better Business Bureau and are considered a legitimate debt collector by most. Regardless of whether they are or not, you should insist on verifying the charges listed before giving away any personal information. Several people have complained about Unifin loading them with bogus charges, and scammers regularly pose as debt collectors.

If you want to verify a number, you can use a phone number search engine to run a reverse phone lookup.

The good news is that scammers typically run multiple cons simultaneously and rely on a relatively predictable pattern of threats and false promises. Once you know how to expose their attempts to trick you, scams become less of a concern and more of a passing headache when you check your texts.

The following tips and tricks will help you avoid being scammed or intimidated by scammers:

•       Check your credit report for the debt
•       Get their contact details and ensure that they do not change frequently
•       Research the Fair Debt Collection Practices Act to know your rights
•       Check if they call outside of 8 a.m. to 9 p.m. (the legal hours for debt collectors to contact people.)
•       They threaten to expose your debts to loved ones.
•       They make harsh demands or use intimidation.
•       They ask for personal information.
•       Get the creditor’s name, the exact amount, and information on how to dispute the payment.

While debt collectors can sometimes be abrasive, they cannot use abusive or harmful language to motivate someone to pay what is owed. Meanwhile, scammers will regularly tell you anything and everything to ensure that you do not ask questions and get tricked into an impulsive mistake. Never allow a debt collector to pressure you into a payment before you are ready.

While debts can pile up, they will not double overnight, and no police will kick in your door within twenty-four hours. Don’t allow your emotions to get the better of you (scammers will do their best to unravel you), and ensure you have validated the payment through a 3rd-party credit report.

Quick Summary on Unifin

While Unifin may be a legitimate company, it does not mean the text you received is. Verify all unknown debts through a credit report, or you may spend a day calling your credit card company and bank. Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA) to know your rights.

If a debt collector cannot provide you with permanent contact information, the original creditor’s name, or how much is owed, you should start hearing alarm bells. Unifin may have a legitimate debt to settle with you, though others have had their identity stolen from people claiming to be Unifin. Put in a bit of research, take your time before paying, and be cautious going forward.