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Do you have a student loan with


If you've ever defaulted on a private student loan with Citibank, the Student Loan Corp, or Wells Fargo, then your debt might have been sold or assigned to United Guaranty Commercial Insurance Company of North Carolina. They act as an indemnitor or guarantor to protect lenders from their investment on loans if a borrower defaults.

If you've been contacted by law firm collecting on behalf of United Guaranty, you may be wondering:

  1. I don't recognize United Guaranty, why are they suing me?
  2. Is the balance they are claiming I owe correct?
  3. Is my bank account at risk of being frozen? Will my wages be garnished?
  4. How do I fight the lawsuit and resolve the debt?

When faced with a lawsuit, it's imperative to take prompt action in order to avoid a default judgment. It's important to respond with a comprehensive answer, in order to assert the borrowers defenses.

At the Law Office of Simon Goldenberg PLLC, our team is dedicated to defending consumers from debt collection lawsuits and helping to negotiate resolutions that are amenable to our client's unique situations. For example, we settled a student loan lawsuit in NJ for a 66% discount, with United Guarantee and Schachter Portnoy. We defend lawsuits brought in New York & New Jersey. Call us for a free evaluation.

United Guaranty hires multiple third-party collection agencies and law firms to pursue borrowers for recovery of the defaulted student loan debts. Prior to litigation, we have seend collection attempts made by the collection agency of Williams & Fudge, Inc.

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In New York, some of the law firms that represent United Guaranty Residential Insurance Company of North Carolina are:

Sample Cases Represented by the Law Office of Simon Goldenberg*

  1. In the Matter of L.P., the client received a collection letter from United Guaranty Corporation regarding a debt originally owed to Wells Fargo Bank in the amount of $16,858.82. As a result of our representation, the borrower settled the debt owed for $5,000.00, less than 30% of the original balance and a savings of $11,858.82.
  2. In the Matter of C.S., the client received a collection letter from United Guaranty Residential Insurance Company of North Carolina regarding a debt originally owed to SunTrust Bank in the amount of $5,197.00. After the assistance of our debt relief law firm, United Guaranty Residential agreed to reduce the debt to $1,500.00, settling the debt at less than 29% of the outstanding balance, with a savings of $3,697.00.

On behalf of our Client's, our lawyers have fought and resolved many cases with the debt collectors and attorneys at United Guaranty Corporation. Where appropriate, you may be able to resolve your debt within the realm of a settlement at a reduced amount. Some client's matters result in quite a substantial savings compared to the actual balance.

You may have strong defenses to your debt. You have rights that protect you from wrongful debt collection practices under both state and federal law. Under Federal Law, consumers have strong rights under the Federal Fair Debt Collection Practices Act of 1977 (FDCPA), and the Fair Credit Reporting Act (FCRA). In New York City, consumers are entitled to additional protections under the New York administrative code. Our New York Debt Lawyers are well versed in the nuances of debt collection laws, and can advocate to help you achieve a resolution.

Background Information on United Guaranty Corporation

United Guaranty Corporation is a debt buyer with a focus on mortgages that was established in Greensboro, N.C., in 1963 and maintains company headquarters at 230 N. Elm Street, Seventh Floor, Greensboro, NC 27401.

United Guaranty Corporation is part of parent company American International Group, Inc - Insurance (AIG). United Guaranty Corporation includes several companies including United Guaranty Residential Insurance Company, United Guaranty Residential Insurance Company of North Carolina, United Guaranty Credit Insurance Company, United Guaranty Commercial Insurance Company of North Carolina, United Guaranty Services, Inc., United Guaranty Mortgage Indemnity Company, and United Guaranty's International Group. Every year, United Guaranty Corporation is assigned debt from financial institutions, such as Wells Fargo, Citibank, Student Loan Corp, SunTrust and Performant Recovery Inc.

Facing a lawsuit in New York or New Jersey?

If you've received a debt collection lawsuit or collection matter for a debt with ­­­­­­­­­­­­­­United Guaranty Corporation, call our office for a free evaluation. We assist with student loan lawsuit defense and resolution in NY & NJ. Our attorneys are experienced in the nuances particular to lawsuits brought by assignees (debt buyers) against student borrowers. Sleep well at night knowing that you have experienced legal advocates by your side.

*Each case is unique. Prior results do not guarantee future performance. The case summaries listed on this website are sample cases, they do not reflect the entirety of the cases our office may have addressed with that entity, they are not necessarily chosen to reflect our "average" results or most common results, and the listed results are not indicative of what might be achievable for another client. All listed figures are approximations, and despite our best efforts to maintain accuracy, may be subject to typographical error or other bona-fide human error, for which we make no warranties or guarantees. The federal cases that may be listed on this page against the creditor or collection entity are not purported to be brought by our law firm. Unless otherwise specified, these federal cases are unrelated to our law firm.

The information on this website is provided for general informational purposes only, it is not legal advice, and none of the information posted is intended as an accusation by our office of any wrongdoing by any entities.

Contact an attorney for an evaluation of your particular circumstances to help understand the options that may be available to you.

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