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How to Settle Debt With UHG 1, LLC

George Simons | January 31, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Feeling stressed about UHG 1, LLC? You have options! Know your rights under FDCPA, respond to any pending lawsuits with a written Answer, and negotiate a debt settlement to resolve issues. Use Solo to simplify the settlement process and protect your legal rights.

If you have received multiple phone calls, emails, letters in the mail, and even messages on Facebook from debt collectors with UHG I, LLC, you're probably feeling stressed, frustrated, and even angry. Do not give up hope.

You have legal options and tools available that can help you settle debt with UHG 1, LLC and avoid going to court. Here's everything you need to know about UHG 1, your consumer rights, debt lawsuits, and how to resolve your debt collection matter.

Settle debt with UHG 1, LLC

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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What is UHG 1, LLC?

UHG stands for “United Holding Group.” UHG, LLC is a third-party debt collection company that purchases unpaid debts from credit card companies, banks, auto loan companies, and other financial institutions.

Ready to contact UGH 1, LLC to resolve your debt? Use the UGH 1 LLC phone number and other contact information listed below:

Who does UHG 1, LLC collect for?

UHG 1, LLC routinely purchases delinquent accounts from Lending Tree and LendingCorp for pennies on the dollar. They then turn around and file a debt collection lawsuit against the consumer associated with the delinquent account.

Read UHG 1 LLC reviews online

If you are looking for info on what other people have shared about their debt collection experience with UHG 1 LLC, then take a moment to check out these legit online reviews:

It’s fair to say the online reviews for UHG 1 LLC are not all five stars. Despite the mixed reviews, this should not serve as a hindrance to you taking steps to engage with UHG 1 LLC to try and resolve your debt collection matter. Generally speaking, debt collectors - including those affiliated with UHG 1 LLC - are open to working with people to resolve their debt issue. Effective communication is the key.

Know your rights when UHG 1, LLC contacts you

It is important to understand that you have protections and legal rights under the Fair Debt Collection Practices Act (FDCPA). Below are just a few of the main protections outlined in the FDCPA for borrowers state that debt collectors:

  • Debt collectors cannot contact you before 8:00 in the morning or after 9:00 in the evening.
  • Debt collectors cannot call you at your place of employment if you have asked them not to.
  • Debt collectors are required to communicate with you through your attorney once you have retained one and notified them that you have counsel.
  • Debt collectors cannot use profane or threatening language.
  • Debt collectors cannot harass you by calling multiple times per day.
  • Debt collectors must identify themselves as such when they contact you.
  • Debt collectors are prohibited from misrepresenting the legal repercussions associated with failing to pay the debt, whether the statute of limitations has expired, or pose as another company.

Respond to a debt lawsuit against UHG 1, LLC

You can save yourself a lot of time, money, and stress when you represent yourself in court instead of finding an attorney to do it for you. SoloSuit can help you prepare your legal documents for court and win.

Follow these three steps to respond to a debt lawsuit against UHG 1, LLC:

  1. Answer each claim listed in the Complaint.
  2. Assert your affirmative defenses.
  3. File the Answer with the court, and send a copy to UHG 1, LLC.

Now, let's break down each of these steps a little further. Don't like reading? Check out this video instead:

1. Answer each claim listed in the Complaint

Your Answer document should focus primarily on responding to the specific claims, or allegations, listed in the Complaint document that you received. In response to each allegation, you can admit, deny, or deny due to lack of knowledge. Let's explain.

  • When you admit a claim, it's like saying “This is true.” When you admit a claim, there is no contest. Admitting all the claims in your Answer would probably lead to a judgment against you.
  • When you deny a claim, it's like saying “Prove it.” Keep in mind that this isn't the same as saying “This is not true.” Denying a claim is simply refusing to admit it as truth before a court of law.
  • When you deny a claim due to lack of knowledge, it's like saying “I don't know.” This is a perfectly fine response to use if you aren't sure about the allegations being made against you.

Most attorneys recommend denying as many claims as possible, because this will prompt UGH LLC to do more work to prove their side of the case. If they don't have the proper documentation for proof, their case won't stand.

Draft an Answer to your debt lawsuit in 15 minutes with SoloSuit.

2. Assert your affirmative defenses

The plaintiff in a collections lawsuit is always the creditor or debt buyer, or in this case, UHG Because of this, they hold the burden of proof, which means they must establish the right to collect the debt they owe. Specifically, the plaintiff must provide admissible evidence that the lawsuit is true. This is somewhat difficult, but if you do not show up, or respond to the summons and complaint then they will win automatically.

Here are some examples of affirmative defenses you might raise in a debt lawsuit:

  • UHG failed to state the basis of the lawsuit: With this affirmative defense, you are stating that the debt collector did not cite a law that was violated meaning there is not a legal reason to sue you.
  • The debt is time-barred: This means that the statute of limitations has passed. The statute of limitations governs how long you can legally be sued for debt. This may range anywhere from two to 20 years, but on average is anywhere from four to six.
  • Plaintiff lacks legal standing: If UHG has failed to provide legal evidence that they own and can legally collect your debt, they lack legal standing. This typically occurs when the debt collector cannot prove they purchased or were assigned the debt.

SoloSuit can help you assert your affirmative defenses in the right way.

3. File the Answer in court, and send a copy to UHG 1, LLC

After you've drafted your Answer, you should file it within the court's deadline. The deadline to respond to a debt lawsuit is anywhere from 14-35 days, depending on which state you live in. Make a copy of the Answer and send it, via USPS certified mail, to the attorneys representing NPAS.

SoloSuit can help you file an Answer in all 50 states.

Negotiate a debt settlement with UHG 1, LLC

It is very common to settle a debt collection lawsuit for less than you owe because debt collectors often purchase your debt for pennies on the dollar. This means that even if you are not able to get the lawsuit thrown out, you may be able to settle it for next to nothing. It is important that you realize you may need to pay a lump sum if you wish to get the lowest price possible. If this is not something you can do, then you should expect to attempt to coordinate monthly payments.

SoloSettle makes it easy to negotiate a debt settlement with UHG 1, LLC. Avoid offering to pay off the whole debt, because you can probably get UHG to settle for a percentage of the debt.

If you were served with a Summons and Complaint regarding a debt collection lawsuit, then now is the time to act and not bury your head in the sand hoping the debt will magically disappear. If you take just a few proactive steps, you could potentially get UHG 1 LLC off your back and get them to accept a significantly lower amount through negotiated settlement.

The debt settlement process can be as simple as following these steps:

  1. If UHG 1 LLC filed a debt collection lawsuit, make sure to respond by filing a timely Answer. This is critically important so you avoid getting hit with a default judgment by the court.
  2. Calculate how much you can afford to put toward the amount owed without negatively impacting your ability to pay other important living expenses such as rent, utilities, transportation, etc.
  3. Begin settlement talks with UHG 1, LLC. Generally speaking, your opening settlement offer should be lower than the amount you calculated in Step 2. Why? Because making a lower opening offer provides some room to engage in productive settlement talks and you can negotiate upward.
  4. If you are able to secure an agreement, make sure to get the debt settlement terms and provisions in writing.
  5. Both you and the debt collector need to sign the debt settlement agreement.
  6. Pay the negotiated amount.

SoloSettle can help you streamline the settlement process. The SoloSettle online settlement platform assists in negotiating, keeping a record of all communications and helping manage documentation if any agreement is reached. It’s also an easy and safe way to send a settlement payment to debt collectors without compromising your private financial information.

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Watch this video to learn more about debt settlement:

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