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Updated on Author: Contributing Author: Sergei Lemberg

Are You Being Called By Credit Adjustments, Inc.?*

Stop the

You have legal rights. We can help.


Experiencing a financial setback can make it impossible to pay your monthly bills. It’s a situation that debt collectors are aware of but refuse to understand, especially when they try to make a bad situation in your life even worse.

Fortunately, there are laws that protect you from harassment and mistreatment.

Your Rights Under the FDCPA

Collection agencies can be persistent to the point of being a nuisance, but never forget that you have rights. The Fair Debt Collection Practices Act, or FDCPA, allows you to dispute a debt, tell the collector to stop calling, and sue companies that subject you to the following:

  • Calling at inconvenient times
  • Calling you at work when your employer does not allow such calls
  • Discussing the debt with anyone except you, your spouse, and your attorney
  • Using profane and obscene language
  • Demanding amounts not supported by law or the original creditor agreement
  • Disguising the fact that they are debt collectors trying to collect a debt

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Company Profile: Credit Adjustments, Inc.

If you are being called by Credit Adjustments, Inc., a short company background is below.

Credit Adjustments, Inc. is a collection agency located in Defiance, Ohio, with additional offices in Toledo, Ohio, and Manchester, New Hampshire. It was founded in 1977, has over 300 employees, and is managed by its President, Lisa Bloomfield.

An inspection of records archived at the PACER website indicates that consumers who believed they were being harassed by Credit Adjustments, Inc. hired lawyers to mount a counter-offensive.

Are You Being Called By Credit Adjustments, Inc.?*

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Alleged Violations against Credit Adjustments, Inc.

According to PACER, on or around April 15, 2015, Credit Adjustments, Inc. sent a collection letter to a Minnesota consumer seeking payment for a medical debt. On April 29, the consumer sent the agency a letter stating that he refused to pay.

Although the letter was received on May 4, Credit Adjustments, Inc. sent another collection letter on June 25.

Feeling harassed by Credit Adjustments, Inc., the consumer sued the agency for allegedly violating his rights by:

  • Using false, deceptive, and misleading means to collect a debt
  • Using unfair and unconscionable means to collect a debt
  • Ignoring a cease communication letter

The matter was later settled.

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Hire a Consumer Lawyer

The phone numbers for Credit Adjustments, Inc. are:

If they appear on your caller ID, it means that Credit Adjustments, Inc. is trying to speak with you. If they ignore you when you send a cease communications request, make an appointment to speak with a consumer lawyer.

If you decide to file a claim against Credit Adjustments, Inc., your lawyer can help you seek damages of $1,000 per FDCPA violation in addition to your legal fees. When a debt collector goes too far, the best defense is a good offense.

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Additional Resources

Case taken from PACER ( File number is CASE 0:15-cv-03430-DWF-BRT from the United States District Court for the District of Minnesota.

*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 Credit Adjustments, 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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