United Collection Bureau, Inc. (UCB)

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Emergence as a top-performing company for Federal, State, City and County municipalities of all sizes due to our commitment to value-add solutions and dedicated, secure facilities and personnel. Learn More.


End-to-end provider solutions performed in a compassionate environment, operating as an extension of our client’s culture. Learn More.


Integrating the latest tools, processes and technologies as a means to improve performance and remain in strict compliance with ever-changing regulations. Learn More.

Financial Services

Providing clients with strict compliant processes, your consumers with superior services and ensuring technological scalability.
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Ability to protect your reputation in this competitive industry through our internal branding, connecting to a live person or bill payment and payment options online. Learn More.

Student Loans

Creating a borrower-centric approach by utilizing consultative methods, working with the student to positively impact consecutive payments by providing manageable repayment options.
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Make a Payment

UCB offers convenient ways to pay your bill.

You may make a payment through our online secure payment portal.

Raise a Question or Concern

If you are an account holder and have a question or concern regarding an account placed with our agency, please contact us

THE CITY OF NEW YORK REQUIRES THAT WE FURNISH RESIDENTS OF NEW YORK CITY WITH THE FOLLOWING INFORMATION: New York City Department of Consumer Affairs License Number 1004887. This collection agency conducts business primarily in English. However, we may employ foreign language speakers from time to time and may accommodate verbal communication in a foreign language when appropriate staff is available. Some, but not all, standard written communications produced by us may be available in Spanish. A translation and description of commonly-used debt collection terms is available in multiple languages on the New York City Department of Consumer Affair’s website, www.nyc.gov/dca

About Us

Our Story

UCB was founded in 1959. For over 50 years, UCB has been developing customized and flexible services and solutions tailored to the needs of our clients. UCB was founded on the premise of providing industry-specific solutions while simultaneously ensuring superior service. We have grown into a dedicated, knowledgeable agency operating on our founding principles of a family-owned company with a national presence.

Our Team

  • Harold S. Rickard III
    Owner and Chairman
  • Sanju Sharma
    Owner and Chief Executive Officer
  • Michael Karosas
    Chief Operating Officer
  • Trip Mitchell
    Chief Information Officer
  • Leya VanDeusen
    Chief Financial Officer
  • John M. Terry
    Chief Legal Officer
  • Mark Palm
    Executive Vice President
  • Barbara Greene
    Executive Vice President

Our Commitment to Technology

UCB strives to provide our clients and their consumers with meaningful technology enhancements. Our technological capabilities protect data, enable quality and compliance and allow for flexibility when developing your customized processes and procedures. Examining technology for our industry is a cost-effective strategy saving you time and money.

Enterprise-Wide Compliance Program

In today’s compliance driven environment, UCB has continued to develop, expand, and improve its compliance program.  UCB is dedicated to ensuring the ethical and compliant operations of every employee and business unit within the organization.  We resolve to operate with integrity, candor, and stability and are proud of our continuous commitment to ensuring quality on every call, as well as adhering to regulations in an ever-changing industry. 

UCB’s Learning Institute

United Collection Bureau, Inc. has developed a proprietary Learning Institute that begins with a successful recruiting strategy.  UCB’s recruits are trained for a long term career and promoting from within is a common practice.  The fundamentals of the Learning Institute are centered around compliance training on applicable laws and regulations, as well as core competencies in customer service and leadership courses.  UCB’s employees are required to know, understand and follow all policies and procedures presented during new hire, on-going and refresher training.  UCB’s leadership team is expected to uphold a culture that promotes the highest standards of ethics and compliance, while meeting client goals and objectives.