Who is Unifund CCR, LLC?
Unifund CCR is a debt buyer based in Cincinnati, Ohio. It buys old, unpaid accounts from banks and other lenders. It also buys old court judgments that other companies won but never collected. Unifund was not your original lender.
They bought your debt, and that matters
A debt buyer has to prove it actually owns your specific account. That means an unbroken paper trail from the bank that opened it, all the way to them. This is where these cases most often fall apart, because the paperwork frequently does not exist in the form a court requires.
What tends to matter in these cases
- Their accounts are often old. Check when you last paid. It may be too late for them to sue in your state.
- Ask for the paper that shows your account, by name or number, was sold to Unifund.
- Old accounts often have missing records. Ask for your signed agreement and the full history.
- Look closely at any interest they added after the original lender closed the account.
What to do right now
- 1
Find your deadline
It counts from the day you were served, not the date on the paperwork. Write it on a calendar today.
- 2
File an Answer
This is the document that stops them winning by default and forces them to prove their case.
- 3
Make them prove they own it
Use discovery to demand the original agreement and the complete chain of ownership.
Sued by someone else?
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