Unity Asset Management, LLC is a collection agency in West Seneca, New York, outside Buffalo. Its BBB listing gives a start date of December 2015. If it contacts you, it is collecting an account it says you owe.
- Type
- Collection agency
- Also known as
- Unity Asset Management, LLC
- Headquarters
- West Seneca, NY
25 debt collection complaints were sent to the Consumer Financial Protection Bureau about Unity Asset Management 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 Unity Asset Management?
Unity Asset Management, LLC is a limited liability company that the Better Business Bureau lists as a collection agency at 3521 Seneca Street, Unit 210, West Seneca, NY 14224. The listing gives a start date of December 30, 2015. We could not find an official website for the company, and this profile is limited to what that record shows. We have not listed phone numbers or the kinds of debts it collects because we couldn't confirm them from an official source.
Make sure the name and address on your letter match this company before you act on anything here.
Why Unity Asset Management May Be Contacting You
We couldn't confirm whether Unity collects for original creditors, for debt buyers, or both, so the letter or call is your best evidence. Write down the name of the creditor it mentions, the account number, the balance and the callback number. Before paying any collector you don't recognize, ask for the agency's mailing address and wait for the written notice described below, so you can confirm the account is yours.
How to Check a Debt Unity Asset Management Says You Owe
- Get the validation notice. Federal law requires a written notice with the creditor's name, the amount and an itemization, plus a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing before that deadline. Ask for the original creditor, the original account number, and the date and amount of the last payment. Collection must stop until verification is mailed.
- Ask about ownership. If the account was sold, request the documents showing the chain of sales to the current owner.
- Compare the amount with your records. Watch for interest or fees added after charge-off.
- Check whether it's too old to sue on. Texas generally allows four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). New York and other states have their own rules.
What Unity Asset Management Can and Can't Do
An agency collecting consumer debts for others is a debt collector under 15 U.S.C. § 1692a(6). Among other limits, it:
- Must identify itself as a debt collector in its communications (15 U.S.C. § 1692e(11)).
- May not threaten arrest or jail over an unpaid consumer debt (15 U.S.C. § 1692e(4)). See can a collector threaten arrest or jail?
- May not call more than seven times in seven days about the same debt (12 C.F.R. § 1006.14(b)(2)).
- Must stop contacting you, with narrow exceptions, once you ask in writing (15 U.S.C. § 1692c(c)).
We did not find a CFPB enforcement action against Unity Asset Management. If you have questions about a contact from Unity, our FDCPA attorneys can help.
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 Unity Asset Management 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
- BBB business profile: Unity Asset Management, LLC (facts only)
- CFPB enforcement actions search: Unity
- CFPB Consumer Complaint Database: Unity Asset Management, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Unity Asset Management has violated any law. Company details change; tell us if something here is out of date.