When debt collectors start harassing you, some of them can be deterred by a cease and desist letter. Unfortunately, this does not work for all companies.
If they persist in calling you during the middle of the night, cursing at you, and threatening to have you served with court papers at work, a consumer lawyer can help you seek justice in court.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) regulates communications between collection agencies and indebted consumers.
Unethical conduct like the following can prompt a Federal Trade Commission investigation and get a company closed down.
- Using profane and obscene language
- Threatening to call your company’s payroll department and garnish your wages
- Pretending to be attorneys, police officers, or federal agents
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
- Ignoring a written request to cease contact
- Refusing to validate the debt and prove that they are authorized to collect it
Company Profile: Creditors Adjustment Bureau, Inc.
If you are being called by Creditors Adjustment Bureau, Inc., more information about the firm is available below.
Creditors Adjustment Bureau, Inc. is a debt collection law office in Sherman Oaks, California. It was founded in 1954, has approximately 20 employees, and is managed by Bob Mitteldorf.
One of its principals, Ken Freed, is an attorney as well as the owner of the Law Offices of Kenneth J Freed.
Inspecting litigation records at the PACER website suggests that consumers who felt they were being harassed by Creditors Adjustment Bureau, Inc. refused to be intimidated and filed lawsuits of their own.
Alleged Violations against Creditors Adjustment Bureau, Inc.
According to PACER, on or around June 12, 2017, Creditors Adjustment Bureau, Inc. sent a collection letter to a California consumer.
Although the letter conceded that he had 30 days to dispute the debt, a statement on the back of the document warned, “We report to Experian’s National Business credit file if your account is not resolved immediately.Your creditor may want this past-due debt reported and your credit may thereby be adversely affected.”
This statement appeared to threaten immediate consequences even during the dispute period.
Feeling harassed by Creditors Adjustment Bureau, Inc., the consumer hired a lawyer and sued the company for making demands that overshadowed her dispute rights.
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for Creditors Adjustment Bureau, Inc. are as follows:
If any of them appear on your caller ID when you receive an incoming call, it means that Creditors Adjustment Bureau, Inc. is looking to speak with you.
If they make demands that contradict your dispute rights, don’t passively comply- contact a consumer lawyer instead.
They can advise you of your rights and help you file a claim against Creditors Adjustment Bureau, Inc.
If you win your case, the agency could be ordered to compensate you significantly, starting at $1000 per FDCPA violation, so never let a debt collector convince you that they have all the power.
You have the right to be treated fairly, and when debt collectors fail to do so, they may end up in debt to you.
Case taken from PACER (pacer.gov). File number is Case 2:17-cv-06606-SJO-SK from the United States District Court for the Central 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 Creditors Adjustment Bureau, Inc. or any other third-party collection agency, you may not be entitled to any compensation.