Are you being called by Consumer Adjustment Company, Inc.? There are some things you should know.
Collection agencies can be aggressive to the point of harassment. They call you at all hours, threaten to garnish your wages, and deliberately call your friends and family to embarrass you.
When the communications get especially intense, you may be tempted to declare bankruptcy to make it stop, but before that, contact a consumer attorney.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that regulates what third-party debt collectors may say or do to settle a debt. Unethical and deceptive approaches like those listed below are illegal when used to collect money.
- Swearing and using profane language
- Showing up at your house to intimidate you
- Telling you that you have committed a crime and will be arrested if you don’t pay
- Threatening legal actions that they have no intention of taking
- Failing or refusing to identify themselves as debt collectors in every communication
- Pretending to be members of law enforcement
Company Profile: Consumer Adjustment Company, Inc.
Consumer Adjustment Company, Inc. is a debt collection company located in St. Louis, Missouri. It was established in 1967, has approximately 10-19 employees, and is managed by its President, Roger Weiss. According to records archived at the PACER (Public Access to Court Electronic Records) website, consumers who felt they were being harassed by Consumer Adjustment Company, Inc. refused to pay.
Instead, they opted to assert their rights in court.
Alleged Violations By Consumer Adjustment Company, Inc.
According to PACER, on or around late 2010 Consumer Adjustment Company, Inc. began calling a California resident to collect a debt. She later alleged that collectors called her cell phone during work hours despite being previously told not to contact her at work, and threatened her with legal action.
On at least one occasion, Consumer Adjustment Company, Inc. allegedly threatened to garnish her wages and seize her assets, and concluded the conversation by requesting information about her husband and his place of work.
Feeling harassed by Consumer Adjustment Company, Inc.,she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Using unfair and unconscionable means to collect a debt
- Trying to collect an amount not authorized by law or the original creditor agreement
- Using false, deceptive and misleading means to collect a debt
- Threatening legal action it could not take
Hire an Attorney
The phone numbers for this debt collection law office are:
If any of them appear on your caller ID when the phone rings, be aware that you are being called by Consumer Adjustment Company, Inc.. If they verbally abuse you and threaten legal action to scare you into paying, hire a consumer attorney.
If you file a claim against Consumer Adjustment Company, Inc. with your attorney’s help and the judge decides in your favor, you could receive $1,000 per FDCPA violation.
When debt collectors ignore your rights, a consumer attorney can help you remind them of the consequences.
**Case taken from PACER (www.pacer.gov). File number is Case 3:11-cv-00010-EMC from the United States District Court for the Northern District of California.
*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 Consumer Adjustment Company, Inc., or any other third-party collection agency, you may not be entitled to any compensation.