Although you can fall into debt often through no fault of your own, debt collectors rarely care: they simply want you to pay and can pressure and harass you if you don’t. If this happens to you, remember that mistreating consumers is not only unethical, it’s illegal, and you can sue for compensation.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to protect consumers from being mistreated to the point of desperation by collection agencies. It regulates communications between debt collectors and consumers, and prohibits actions like those below.
- Swearing and calling you names
- Failing or refusing to identify themselves as debt collectors
- Using an autodialer to call you
- Calling at inconvenient times
- Talking about the debt to anyone except you, your spouse, or your attorney
- Pretending to be members of law enforcement
Company Profile: American Adjustment Bureau
If you are being called by American Adjustment Bureau, more information about the agency is highlighted below.
American Adjustment Bureau is a medical debt collection agency located in Waterbury, Connecticut. It was founded in 1981, has 32 employees, and is managed by its President, Joseph Scott Valdez. PACER website records show that consumers who felt that they were being harassed by American Adjustment Bureau challenged the company’s demands in court.
Alleged Violations against American Adjustment Bureau*
According to information on the PACER website, in or around late 2016, American Adjustment Bureau allegedly started calling a Connecticut consumer and ignored his requests to stop.
Feeling harassed by American Adjustment Bureau, the consumer hired a lawyer and filed a claim against the agency for:
- Harassing him by phone
- Using unfair and unconscionable means
- Failing to provide him with a debt validation notice
The case was later settled.
Hire a Consumer Lawyer
The phone numbers for American Adjustment Bureau are:
Any time they show up on your caller ID, it means that American Adjustment Bureau is trying to get you on the phone. If they call you incessantly, hire a consumer lawyer and get them to help you file a claim against American Adjustment Bureau. You may be awarded $1,000 per FDCPA violation, so don’t let a debt collector make your life miserable- when you fight back, they could have a lot to lose.
*Case taken from PACER (pacer.gov). File number is Case 3:17-cv-01640-DJS from the United States District Court for the District of Connecticut.
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 American Adjustment Bureau or any other third-party collection agency, you may not be entitled to any compensation.