Unik Credit Management (UCM)

What is Unik Credit Management (UCM)?

Unik Credit Management (UCM) is a debt collection agency that helps businesses recover unpaid debts. They have been operating since 1975 and offer collection services in Eastern Ontario and Western Quebec.

UCM collects debts for a variety of clients, including commercial businesses, government agencies, healthcare providers, and financial institutions.

Many consumers report that UCM is knowledgeable about legal processes and has a strong recovery rate. They are known to use legal action when necessary to collect debts.

Why is Unik Credit Management (UCM) calling me?

If you’ve received a call from Unik Credit Management (UCM), it usually means they’re trying to recover an unpaid debt on behalf of a creditor.

If you’re unsure why they’re calling, ask for written verification of the debt before sharing any personal information or making a payment.

Unik Credit Management (UCM) collects for:

• Telecommunications companies (phone, internet, cable)
• Banks and financial institutions
• Government agencies
• Healthcare providers and hospitals
• Utilities (hydro, gas, water)
• Education and student loans
• Commercial businesses
• Credit card companies
• Retail stores

Is Unik Credit Management (UCM) a legitimate collection agency?

Yes, Unik Credit Management (UCM) is a legitimate debt collection agency established in 1975. They are licensed and bonded and operate under provincial regulations.

Because scammers sometimes impersonate collection agencies, always verify any debt in writing before you pay.

Your rights when a debt collection agency like Unik Credit Management (UCM) contacts you

Debt collectors and collection agencies must follow a code of conduct outlining what they can and cannot do:

• Every time a debt collector contacts you, they must identify themselves.
• Debt collectors can only contact you during specified hours, usually between 7 AM and 9 PM (but exact times depend on your province)
• They cannot make false or misleading representations to collect a debt.
• Debt collectors may not harass, threaten or intimidate you.
• Debt collectors may not use threatening, profane, intimidating or coercive language.
• Debt collectors may not apply undue, excessive or unreasonable pressure.
• Ask for written proof before answering questions, providing personal information, or paying anything.
• A debt collector can't contact you at work once you've told them not to.

What to do if a debt collection agency like Unik Credit Management (UCM) contacts you

1. Ask for written verification of the debt.
2. Don't acknowledge that you owe the debt or supply sensitive information until you've verified it.
3. If you want the phone calls to stop, you can request in writing that the collection agency stop calling, but this won't prevent further legal action.
4. If you don't think you owe money, dispute the debt and ask for written proof.
5. Consider speaking with a Licensed Insolvency Trustee for free advice.