United Check Recovery Bureau sent emails to consumers at illegal hours, a new class action alleges.

On Sept. 15, 2026, Andersen Jan filed a class action lawsuit against United Check Recovery Bureau Inc. in the U.S. District Court for the Central District of California.

The lawsuit alleges the New York debt collection company emailed Jan about a debt at 5:25 a.m., well before the 8 a.m. start of the window federal law presumes convenient for contacting a consumer.

The alleged emails

United Check Recovery Bureau emailed Jan on or about Oct. 24, 2025, on behalf of a client, Axiom Acquisition Ventures LLC, offering a payment plan or settlement on the alleged debt, the complaint says.

Both the send and delivery stamps read 5:25 a.m. in Jan's time zone, and Jan never consented to contact during those hours, according to the proposed class action.

The lawsuit also includes a second email from the same day that United Check Recovery Bureau reportedly sent outside legal hours.

What the law says about contact hours

The Fair Debt Collection Practices Act bars a debt collector from contacting a consumer at any time it knows, or should know, is inconvenient. Unless the collector has information suggesting otherwise, the law tells it to assume the convenient window is from 8 a.m. to 9 p.m. in the consumer's local time.

Only two things lift that restriction: the consumer's prior consent given directly to the collector or a court's permission. The lawsuit claims neither existed here.

California's Rosenthal Fair Debt Collection Practices Act adopts the federal rule, but the complaint notes it also treats companies collecting their own debts as debt collectors.

Who the lawsuit seeks to cover

Jan proposes two classes. The FDCPA class would include everyone with a United States address whom United Check Recovery Bureau sent an electronic communication to between 9 p.m. and 8 a.m. in connection with collecting a consumer debt.

The Rosenthal Act class narrows that to people with California addresses who received an email in the same window.

The legal claims

The lawsuit brings two claims against United Check Recovery Bureau Inc.:


  • Fair Debt Collection Practices Act, 15 U.S.C. Section 1692c(a)(1), which bars a debt collector from contacting a consumer at an inconvenient time without consent

  • Rosenthal Fair Debt Collection Practices Act, Cal. Civ. Code Section 1788.17, which applies that same federal rule to debt collection in California

The complaint asks the court to declare the company's practices unlawful, award statutory damages under both statutes, enjoin future after-hours emails and award attorneys' fees and costs, including expert fees.

What the lawsuit means for people who received collection emails

The case remains pending in federal court in California. There is no settlement, no claims process and no money available as of this writing.