Hey everyone — I never thought I’d be posting something like this, but I’m honestly at the end of my rope. A few months ago I found a notice from United Credit Recovery Bureau claiming I owe a debt. Since then, the calls have been nonstop—early mornings, late nights, even when I’m at work. They threaten legal action, say they’ll garnish wages, and sometimes their tone is just outright aggressive.



I’ve tried asking for verification of the debt, sending certified letters, even putting them on notice that their conduct feels abusive. But I’m getting no clear answer, and it feels like they’re operating above the law. I’m scared, tired, stressed out about what comes next.



Has anyone else here been harassed by United Credit Recovery Bureau or dealt with similar debt collection harassment? Did you manage to make them back off or force them to prove the debt? Any tips or shared experiences would mean a lot right now.