The phone is ringing, and I don't recognize the number, All Caller ID says is, "NAME UNAVAILABLE".
Please help me figure out who is calling and what they want
United Collection Bureau may break laws to seize assets, but is considered ''legitimate'' like its industry peers. You don't need a valid debt or a derogatory trade line on your credit reports to be hassled by debt collectors. They call third parties to alleged debtors all the time for permitted skip tracing purposes, or often pretending it's a trace to annoy and shame an intended target whose location is already known.
To a ''not me'' case I always recommend putting the agency on notice, just as you would if you were the target and the debt claim was invalid. Send a ''cease-communication'' notice via USPS Certified with return card. This is the method promoted by the FTC and many consumer watchdogs, and the only way to set a legal landmine, as such a notice is ignored at their risk of a lawsuit from you. You may already be due some payback if you can prove you've endured abusive or misleading treatment in an effort to collect debt.
Learn how to exercise your FDCPA rights as an alleged debtor at FTC-dot-gov. See also if your state laws are stronger.
Left a indecipherable message on my voicemail. Reverse look up shows this as a landline in Maumee OH. As I don't carry any outstanding debt or owe monies to anyone, I find it hard to believe this is a legitimate collection agency.