Unifin Inc is collecting credit card debt in Minnesota where the statute of limitations is 6 years. Average credit card debt: $5,221. Garnishment limit: 25% of disposable earnings.
6 years
Statute of Limitations
$5,221
Average Credit Card Debt
25% of disposable ea
Garnishment Limit
Known Unifin Inc Violations
Misrepresenting legal status of debt
Failing to cease collection upon written request
Inaccurate credit reporting
Dispute Strategies
Request debt validation under FDCPA § 1692g
Dispute billing errors under FCBA within 60 days
Check if debt exceeds statute of limitations
Negotiate settlement at 40-60% of balance
File CFPB complaint if collector violates FDCPA
Minnesota Protections
Minnesota Collection Agency Act. File complaints with: AG Consumer Protection.