1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 29, 1999 UNITED COMPANIES FINANCIAL CORPORATION -------------------------------------- (Exact name as specified in its charter) Louisiana 1-7067 71-0430414 --------- ------ ---------- (State or other jurisdiction (Commission File Number) (IRS Employer of incorporation) Identification No.) 4041 Essen Lane, Baton Rouge Louisiana 70809 ----------------------------------------------------------------------------- (Address of principal executive offices) Zip Code Registrant's telephone number, including area code (225) 987-0000 Not Applicable (Former name or former address, if changed since last report) PAGE 1 2 Item 5. Other Events. The Registrant files herewith the exhibit listed in Item 7(c) below. Item 7(c). Exhibits. The following exhibit is furnished in accordance with Item 601 of Regulation S-K: 99 Press Release dated December 29, 1999 - United Companies Signs Letter Agreement with EMC Mortgage Corporation for the Sale of its Whole Loan Portfolio, Residual Interests and Servicing Operation 3 SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. UNITED COMPANIES FINANCIAL CORPORATION (Registrant) Date: January 3, 2000 By: /s/ LAWRENCE J. RAMAEKERS ---------------------------------- Lawrence J. Ramaekers Chief Executive Officer 4 INDEX TO EXHIBITS EXHIBIT SEQUENTIALLY NO. EXHIBIT NUMBERED PAGE - ------- ------- ------------- 99 Press Release dated December 29, 1999 - United Companies Signs Letter Agreement with EMC Mortgage Corporation for the Sale of its Whole Loan Portfolio, Residual Interests and Servicing Operation