Are you being called by Audit & Adjustment Company, Inc.?* Here's what you need to know
If you have an account in collections, you can expect to be contacted about paying it -frequently. Debt collectors use strategies that ‘encourage’ you to pay quickly and in full. Sometimes this approach can spiral into harassment, which is against the law, but you are not without power in such a situation.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is enforced by the Federal Trade Commission and regulates what third-party debt collectors can do while attempting to collect consumer debts. Actions like the following are strictly prohibited:
- Using profane or obscene language
- Making threats they cannot legally carry out or have no intention of carrying out
- Discussing your debt with anyone except you, your spouse, or your attorney
- Calling at inconvenient times, such as before 8:00 a.m. and after 9:00 p.m.
- Failing to report disputed debts as such to the credit bureaus
- Claiming to be police officials or government agents
Company Profile: Audit & Adjustment Company, Inc.
If you are being called by Audit & Adjustment Company, Inc., information about the company is below.
Audit & Adjustment Company, Inc., which also does business as Evergreen Billing Specialists, is a debt collection company located in Lynnwood, Washington. It was established in 1997, has 20 to 49 employees, and is managed by its President, Jennifer McNatt. According to the company website, it is an active member of both the American Collectors Association and the Washington Collectors Association. Records viewable at the PACER (Public Access to Court Electronic Records) website confirms that some consumers who believed that they were being harassed by Audit & Adjustment Company, Inc. hired attorneys to help them assert their rights.
Alleged Violations against Audit & Adjustment Company, Inc.
Beverly Blair vs. Experian Information Solutions, Inc. et al*
According to PACER, in or around August 2007, Florida resident Beverly Blair noticed that Audit & Adjustment Company, Inc. was reporting an older debt to the credit bureaus. Suspecting that the debt had been re-aged, she submitted a dispute letter, but the agency allegedly replied that the trade line information was accurate, causing her to experience credit challenges.
Feeling harassed by Audit & Adjustment Company, Inc., Ms. Blair hired a consumer attorney and sued the company for allegedly violating the FDCPA by reporting inaccurate information to the credit bureaus.
The matter was later settled.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If any of these numbers appear on your caller ID, be aware that that you are being called by Audit & Adjustment Company, Inc.. If they fail to correctly report a debt as disputed to the credit bureaus, contact a consumer attorney who can guide you as you file a claim against Audit & Adjustment Company, Inc.. You could possibly be awarded $1,000 per FDCPA violation plus legal costs, so when a collection agency abuses your rights, let the law help you seek the compensation you deserve.
*Case taken from PACER (www.pacer.gov). File number is Case 1:08-cv-20231-JLK from the United States District Court for the Southern District of Florida.
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 Audit & Adjustment Company, Inc. or any other third-party collection agency, you may not be entitled to any compensation.