Unifin Inc Utility Debt in South Bend, IN
Unifin Inc is collecting utility debt in South Bend. Average: $800. Indiana SOL: 6 years. Garnishment: 25% of disposable earnings.
Known Unifin Inc Violations
- • Misrepresenting legal status of debt
- • Failing to cease collection upon written request
- • Inaccurate credit reporting
Dispute Strategies
- • File complaint with state Public Utility Commission
- • Request billing audit and meter verification
- • Apply for utility assistance programs (LIHEAP)
- • Dispute estimated vs actual billing
- • Challenge reconnection fees if disconnect was improper
Tips
- • Unifin collects medical and commercial debts — verify billing codes
- • Always communicate in writing to create a paper trail
- • Request proof of their authorization to collect from the original creditor
- • Utilities must offer payment plans in most states
- • Estimated billing can be challenged with actual meter reads
- • Many states ban winter disconnection for heat