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Updated on Author: Contributing Author: Sergei Lemberg

Are You Being Called By ACL Adjustment Associates, Inc.?*

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Are You Being Called By ACL Adjustment Associates, Inc.?* Here’s what you need to know

When you owe more money than you can ever hope to pay back, a ringing phone or incoming mail can arouse anxiety. If the debt collector is rude or tries to deceive you during any direct conversations, the stress can take a toll on your well-being over time. What you need to know is that as an indebted consumer you have rights that protect you from being treated in this manner.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) allows debt collectors to contact you about paying a debt, but they are not allowed to harass or bully you. Below is a sample of collection tactics that violate the FDCPA.

  • Swearing and calling you names
  • Calling you at work if they know what such calls are not allowed
  • Telling your friends, neighbors, and co-workers that you owe money
  • Failing or refusing to prove a debt exists and they are authorized to collect it
  • Calling at unreasonable and inconvenient hours
  • Threatening action they are not in a position to legally take

Is ACL Adjustment Associates, Inc. Calling You?

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Company Profile: ACL Adjustment Associates, Inc.

If you are being called by ACL Adjustment Associates, Inc., information about the company is below.

ACL Adjustment Associates, Inc. is a debt collection company located in Elmwood Park, New Jersey. It was established in 1990, has less than 10 employees, and is managed by its President, Tony Labrosciano. Records on file at the PACER (Public Access to Court Electronic Records) website confirm that people who felt they were being harassed by ACL Adjustment Associates, Inc. stood up for themselves instead of paying debts they couldn’t afford or didn’t owe.

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Alleged Violations against ACL Adjustment Associates, Inc.

Jason Wafalosky vs. ACL Adjustment Associates, Inc.*

According to PACER, on October 11, 2005, ACL Adjustment Associates, Inc. sent Pennsylvania resident Jason Wafalosky a collection letter, allegedly in an envelope with the agency’s return address. Mr. Wafalosky was upset because he felt that the letter advertised that the sender was in the collection business.

Feeling harassed by ACL Adjustment Associates, Inc., he hired a consumer attorney and sued the company for allegedly violating the FDCPA by using a business name on the envelope.
The matter was later dismissed.

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Hire an Attorney

The phone numbers for this debt collection agency are as follows:

If you see either of these numbers any time that the phone rings, it means that you are being called by ACL Adjustment Associates, Inc., presumably about a debt you are believed to owe. If they send you letters that make it obvious that they come from a collection agency, contact a consumer attorney. Violating a debtor’s privacy in this manner is illegal, and if you file a claim against ACL Adjustment Associates, Inc., you may win $1,000 per FDCPA violation plus court costs, attorney fees, and related expenses. Failure to respect your privacy can be an expensive mistake.

*Case taken from PACER ( File number is Case 2:06-cv-00685-JS from the United States District Court for the Eastern District of Pennsylvania.

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 ACL Adjustment Associates, Inc., or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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