If you owe a debt, there are state and federal laws in place that prohibit collection agencies from violating your rights to get the money. Unfortunately, some debt collectors still use a number of illegal practices in their attempt to collect what you owe.
If you are targeted by such a company, learn more about how a consumer lawyer can protect your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collector from using abusive, deceptive or unfair tactics to try to collect debts. Under the FDCPA, you have certain rights, and debt collectors are obligated honor these rights and avoid using tactics like the following:
- Using profane or obscene language
- Making legal threats they have no intention of following up on
- Calling you at work after you’ve told them that your employer doesn’t allow such calls
- Refusing to validate the debt and prove that they are authorized to collect it
- Calling at inconvenient times, namely before 8:00 a.m. and after 9:00 p.m. in the consumer’s time zone
- Reporting false information to the credit bureaus
Company Profile: A.G. Adjustments, Ltd.
If you are being called by A.G. Adjustments, Ltd., information about the company is below.
A.G. Adjustments, Ltd. is a debt collection agency located in Melville, New York. It was established in 1972, has approximately 50 employees, and is managed by its CEO, Robert Gerstel.
A review of litigation records at the PACER (Public Access to Court Electronic Records) website reveals that several consumers who believed they were being harassed by A.G. Adjustments, Ltd. sued the agency for violating their rights.
Alleged Violations against A.G. Adjustments, Ltd.
According to PACER, in or about early 2013 A.G. Adjustments, Ltd. allegedly began trying to collect a debt from a New York consumer. He claimed that starting on February 25, 2013 the company left a series of messages that threatened litigation but did not identify the caller as a debt collector.
Feeling harassed by A.G. Adjustments, Ltd., he hired a consumer attorney and sued the company for allegedly violating the FDCPA by in the following ways:
- Failing to identify itself as a debt collector in all communications
- Using false, deceptive, and misleading means to collect a debt
The matter was later dismissed.
Hire a Lawyer
The phone numbers for this collection agency are as follows:
If you see either one on your caller ID in in response to an incoming call, be aware that you are being called by A.G. Adjustments, Ltd. If they try to deceive you into calling them back by leaving messages that disguise the company name and purpose, contact a consumer lawyer.
If you file a claim against A.G. Adjustments, Ltd. and win, you could potentially receive $1,000 per FDCPA violation plus any other appropriate damages and court costs. Companies that do not collect debts in accordance with the law can face substantial penalties.
Case taken from PACER (pacer.gov). File number is Case 2:13-cv-04779-JFB-GRB from the United States District Court for the Eastern District of New York.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against A.G. Adjustments, Ltd., or any other third-party collection agency, you may not be entitled to any compensation.