Sued by Unifin Inc. in Ohio? Here's What to Do Next
Ohio RESPONSE DEADLINE
28 Days
from the date you were served
STATUTE OF LIMITATIONS
6 Years
for typical Unifin Inc. debts in OH
WAGE GARNISHMENT
Allowed — up to 25%
What Ohio consumers say about Unifin Inc.
In the last 24 months, 13 Ohio residents filed CFPB complaints naming Unifin Inc. . 100% of these complaints involve debt collection.
Most common complaint categories:
- 5 Electronic communications
- 4 Attempts to collect debt not owed
- 2 Communication tactics
Source: CFPB Consumer Complaint Database , 24-month rolling window through May 2026.
About Unifin Inc.
Unifin Inc. is a debt collection agency that collects on behalf of original creditors and debt buyers. They handle a variety of consumer debts including credit card, medical, and utility debts. Unifin has been subject to consumer complaints regarding their communication practices and has been involved in FDCPA litigation. They are known for aggressive phone campaigns and threatening legal action.
Type: Collection Agency. Common debt types: credit card, medical, utility, telecom.
CFPB Enforcement History
Unifin, Inc. is a third-party debt collector based in Skokie, Illinois. We could not identify a public CFPB consent order or formal enforcement action against Unifin, but the CFPB's consumer complaint database contains hundreds of consumer complaints about Unifin, with the most common issue being attempts to collect debts the consumer says they do not owe.
Ohio-Specific Defenses Against Unifin Inc.
Statute of Limitations Defense
In Ohio, the statute of limitations for credit card debt is 6 years. If your last payment was more than 6 years ago, the debt is time-barred. Verify when your last payment or account activity occurred and raise the SOL defense in your Answer if applicable.
Challenge the Amount
Demand a complete accounting from the original creditor's last statement through the current claimed balance. Any unauthorized fees, post-charge-off interest, or collection costs not in the original agreement should be disputed line by line.
Ohio Wage Garnishment Exemptions
Greater of 75% of disposable earnings or 30x federal minimum wage exempt. Minimum $425.50/week exempt as of 2024.
Ohio Consumer Sales Practices Act
In addition to the federal FDCPA, Ohio's Ohio Consumer Sales Practices Act may provide additional protections and remedies against Unifin Inc.'s collection practices.
Ohio Court System
Small claims limit $6,000. Municipal court for cases up to $15,000. Common pleas for larger amounts. Filing fees in Ohio typically range $50-$300.
Common FDCPA Violations by Unifin Inc.
- Making excessive phone calls that constitute harassment
- Threatening legal action they do not intend to take
- Failing to identify themselves as debt collectors in communications
- Communicating with third parties about the consumer's debt
- Continuing to call after consumer requested written communication only
Statute of Limitations in Ohio
| Debt Type | SOL (Years) |
|---|---|
| Credit Card | 6 |
| Medical | 6 |
| Auto | 6 |
| Personal Loan | 6 |
| Written Contract | 8 |
| Oral Contract | 6 |
Frequently Asked Questions
Who is Unifin Inc.?
Unifin Inc. is a third-party debt collection agency that collects debts on behalf of other companies. They are not the original creditor and must follow all FDCPA rules.
Can Unifin sue me?
Unifin may file lawsuits as part of their collection process. You have the right to respond and defend against any lawsuit they file.
How do I stop Unifin from calling me?
Send a written cease-and-desist letter via certified mail. Under the FDCPA, they must stop calling after receiving your written request, though they may still pursue legal action.
Is Unifin violating the law by calling me multiple times a day?
The FDCPA prohibits harassment through excessive phone calls. Under the Regulation F rule, collectors generally cannot call more than 7 times within 7 days per debt. If Unifin exceeds this, they may be violating the law.
How long to respond in Ohio?
28 days from service.
What is the SOL in Ohio?
6 years for credit cards. 8 years for written contracts. 6 years for oral contracts.
Can wages be garnished in Ohio?
Yes. Federal limits apply, with a minimum weekly exemption of $425.50.
Where are debt cases filed?
Municipal court for smaller amounts. Court of common pleas for larger cases.
I was sued in an Ohio municipal court by a debt buyer. What should I do first?
Read the summons carefully. It will tell you which court the case is in and how many days you have to file a written answer, which in most Ohio municipal courts is 28 days from service. Do not ignore it. If you do not answer, the collector can ask the court for a default judgment, and the court will likely grant it without examining whether the debt buyer can actually prove the debt. Your answer does not need to be long or fancy. Many people file a one or two page document admitting service, denying the substantive allegations, and listing defenses such as lack of standing, failure to attach the contract, statute of limitations, and improper venue. File it with the clerk and mail a copy to the collector's attorney. Once you have answered, you have the right to request documents from them, including the original credit agreement, the chain of assignments showing they own your account, and the account statements. Many debt buyer cases fall apart at this stage because the documentation does not exist or is incomplete.
Can a debt collector garnish my wages in Ohio without suing me?
No. A debt collector cannot take your wages, your bank account, or any property in Ohio without first suing you, obtaining a judgment, and then asking the court to issue a garnishment or execution order. The only common exception is for certain government debts such as defaulted federal student loans, federal tax debts, and child support, where administrative wage garnishment may be available. If a private debt collector is threatening to garnish wages without a judgment, that threat itself can violate the federal FDCPA. Once a judgment is entered, Ohio law caps wage garnishment at 25% of disposable earnings or the amount over 30 times the federal minimum wage, whichever is less, and prohibits firing you because of a single garnishment. Bank account funds can also be levied, but Ohio exemptions protect a portion of the funds. If you receive a garnishment notice, you can file a request for hearing using the form attached to the notice to claim exemptions.
What is the statute of limitations on credit card debt in Ohio?
Ohio law treats credit card debt as an account, which carries a six-year statute of limitations on written contracts under Ohio Rev. Code § 2305.06 and a shorter limitations period for certain open accounts. For out-of-state creditors, Ohio's borrowing statute, Ohio Rev. Code § 2305.03(B), can apply the limitations period of the state where the cause of action accrued if that period is shorter. Practically, this means a debt buyer suing on an old credit card account in Ohio may be subject to a three to six year window from the date of last activity or default, depending on which state's law governs the cardholder agreement. The clock generally starts on the date of the first missed payment that was never cured. If a collector sues you on a debt that is past the limitations period, you can raise statute of limitations as an affirmative defense and the case should be dismissed. The defense is waived if you do not raise it, so it must be in your answer.
Does Ohio have a license requirement for debt collectors?
Ohio does not require third-party debt collectors to obtain a general state license to collect consumer debts. That is unusual compared to neighboring states like Pennsylvania and West Virginia. However, collection attorneys must be licensed to practice law in Ohio if they file suit, and certain regulated entities, like consumer finance lenders and mortgage servicers, have licensing obligations under Ohio Rev. Code Chapter 1321 and Chapter 1322. Even though there is no state collection license, debt collectors operating in Ohio still must comply with the federal FDCPA and Regulation F, and their conduct in consumer transactions can be challenged under the Ohio Consumer Sales Practices Act when the underlying transaction is a consumer transaction. The lack of a state license does not mean the collector is free of rules, it just means consumers usually rely on federal law and the Ohio CSPA rather than a state collection statute.
A debt collector keeps calling me at work in Ohio. Can I stop the calls?
Yes. Under the federal FDCPA at 15 U.S.C. § 1692c(a)(3), a debt collector may not contact you at work if they know or have reason to know that your employer prohibits such communications. You can tell the collector verbally that your employer does not allow personal collection calls, and they must stop. Better practice is to send a short written notice by certified mail or trackable email saying your employer prohibits calls at work and identifying the phone number. You can also send a separate written cease and desist letter under 15 U.S.C. § 1692c(c) telling the collector to stop all communication, after which they may only contact you to confirm receipt or to tell you about a specific legal action. Keep copies of your letters and proof of delivery. If they continue to call after you have given proper notice, that is a separate FDCPA violation that may entitle you to statutory damages up to $1,000, actual damages, and attorney fees in a federal lawsuit.
Sued by Unifin Inc. in Another State?
Unifin Inc. files cases nationwide. Select your state for the response deadline, statute of limitations, and state-specific defenses.
Sued by a Different Collector in Ohio?
The 28-day Ohio response deadline applies no matter who sued you. Pick the creditor on your summons for creditor-specific defenses.
This page summarizes public information from the CFPB Consumer Complaint Database, CFPB enforcement records, and Ohio state law. It is not legal advice. Statutes and court rules change — consult a licensed attorney in Ohio for guidance on your specific case.
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