Universal Collection Systems

Last checked: July 27, 2026

Universal Collection Systems is a debt collection agency headquartered in Memphis. It has held a Texas surety bond continuously for 15 years, and currently has an active $10,000 bond on file with the Texas Secretary of State (SoS File 20100271), meeting the Texas Finance Code Chapter 392 requirement for third-party debt collectors. Every fact below links to its public source with the date it was last checked.

15 years

of continuous verified Texas bond history on the Secretary of State register. Universal Collection Systems currently holds an active $10,000 surety bond.

Source: direct.sos.state.tx.us · Last checked: July 27, 2026

Verified facts about Universal Collection Systems

Fact	Value	Source
Headquarters	Memphis	Source: direct.sos.state.tx.us · Last checked: July 27, 2026
Year founded	1983	Source: direct.sos.state.tx.us · Last checked: July 27, 2026
Company type	Third-party agency	Source: direct.sos.state.tx.us · Last checked: July 27, 2026
Website	universalcollectionsystems.com
Texas surety bond history	15 years continuously bonded ActiveSoS File 20100271· filed September 27, 2010	Register: direct.sos.state.tx.us · Last checked: July 27, 2026
CFPB complaints on record	52	CFPB database: consumerfinance.gov · Last checked: July 27, 2026

Common questions about Universal Collection Systems

Is Universal Collection Systems licensed to collect debt in Texas?

Yes. Universal Collection Systems has an active $10,000 surety bond on file with the Texas Secretary of State (SoS File 20100271), which is the legal requirement for third-party debt collectors under Texas Finance Code Chapter 392, last checked July 27, 2026.

Does Universal Collection Systems have complaints on record?

The public CFPB Consumer Complaint Database records 52 debt-collection complaints referencing Universal Collection Systems, as of July 27, 2026. This is the total on record and links to the live CFPB database; a complaint is a record, not a verdict, and larger agencies naturally accrue more.

This profile presents factual information drawn from public records, with a source and last-checked date for every fact. It is not a recommendation to do business with this company, is not legal advice, and is no substitute for your own due diligence.

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