United Legal Group, which the CFPB database lists as ULRS, Inc., is a California collection agency offering consumer, commercial, legal and medical collections. A letter or call from it means a business has placed an account with it.
- Type
- Collection agency
- Also known as
- ULRS, Inc.; ULRS
- Headquarters
- Corona, CA
- Collects
- consumer accounts, commercial accounts, medical bills
- Phone numbers it lists
- (877) 367-1737
- Website
- unitedlegalgroup.com
53 debt collection complaints were sent to the Consumer Financial Protection Bureau about ULRS, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is United Legal Group?
The BBB lists United Legal Group as a collection agency in Corona, California, with a mailing address at P.O. Box 890130, Temecula, CA 92589, and gives "ULRS, Inc." as its alternate name. It shows a start date of October 2008 and lists the business as a corporation. The company's website, unitedlegalgroup.com, gives a phone number of (877) 367-1737 and the email [email protected]; the BBB lists the same phone.
Despite the word "Legal" in its name, United Legal Group's website presents it as a collection company ("Experts in Debt Collection"), not as a law firm, and we found no indication on the site that it is one.
Why United Legal Group May Be Contacting You
The website lists four service areas: commercial, consumer, legal and medical collections. It says its medical collections are provided "in partnership with a trusted sister company United Health Care Corp." Its described services include negotiation, locating people, investigations and credit reporting. The site doesn't name its clients, so check your letter for the creditor and the account it concerns. If the letter uses legal-sounding language, ask directly whether a lawsuit has been filed and, if so, in which court.
How to Check a Debt United Legal Group Says You Owe
- Look for the validation notice. It must list the creditor, itemize the balance and set a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing before the deadline. Ask who owns the debt now and for the documents behind the balance.
- Medical accounts: ask which provider and date of service are involved, and compare with your insurer's explanation of benefits.
- Credit reporting: if it reports the account, pull your reports and make sure a disputed debt is marked as disputed.
- Age of the debt: Texas generally gives four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). California and other states set their own periods.
What United Legal Group Can and Can't Do
As a company that collects debts for others, United Legal Group is a "debt collector" under 15 U.S.C. § 1692a(6). Among other things:
- It may not falsely represent or imply that it is a law firm or that a communication is from an attorney (15 U.S.C. § 1692e(3)).
- It may not falsely imply that a document is legal process (15 U.S.C. § 1692e(13)).
- It may not call more than seven times in seven days about one debt without rebutting the Reg F presumption (12 C.F.R. § 1006.14(b)(2)).
- It must stop contacting you on written request, apart from limited notices (15 U.S.C. § 1692c(c)); see telling a collector to stop.
We did not find a CFPB enforcement action against United Legal Group or ULRS, Inc.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If United Legal Group or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- United Legal Group: home page
- BBB business profile: United Legal Group / ULRS, Inc. (business facts only)
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: ULRS, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that United Legal Group has violated any law. Company details change; tell us if something here is out of date.