When a debt collector is calling you nonstop and trying to stress you into paying a debt you can’t afford, they may tell you that they are in the right because you owe money. In reality, mistreating you in this manner puts them in the wrong and you can take legal action to make them stop.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, mandates that third-party collection agencies treat you with respect when they communicate with you about a debt. If they try to make you pay by using these pressure tactics, hire a consumer lawyer to help you protect your rights.
- Threatening you with wage garnishment
- Misrepresenting how much you owe by adding illegal collection fees
- Threatening to harm you or damage your property
- Calling your friends and family to embarrass you
- Swearing at you and calling you abusive names
- Pretending to be police officers
Company Profile: Diversified Adjustment Service, Inc.
If you are being called by Diversified Adjustment Service, Inc., a brief company background is below.
Diversified Adjustment Service, Inc. is a collection agency located in Coon Rapids, Minnesota. It was established in 1981, has 99 employees, and is managed by its President and CEO, Rob Zurek.
The PACER website database contains records confirming that consumers who thought they were being harassed by Diversified Adjustment Service, Inc. responded to lawsuit threats by filing claims of their own.
Alleged Violations against Diversified Adjustment Service, Inc.
According to PACER, in or around January 2015, Diversified Adjustment Service, Inc. began to call a consumer in Oklahoma to collect a debt. These calls were allegedly placed to his cell phone using an automated telephone dialing system.
Each time he answered, he experienced silence and was not connected to a live representative.
Feeling harassed by Diversified Adjustment Service, Inc., the consumer fought back by suing the agency for allegedly violating his rights by:
- Using harassing and abusive means to collect a debt
- Harassing him by phone
- Using unfair and unconscionable means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for Diversified Adjustment Service, Inc. are:
If you see either of them on your caller ID, it means that Diversified Adjustment Service, Inc. is trying to reach you. If they use an autodialer to harass you with nonstop calls, hire a consumer lawyer and immediately file a claim against Diversified Adjustment Service, Inc.
Debt collectors who break the law face fines and can be ordered to pay you significant amounts of compensation, so act on your rights and remind these agencies that laws exist for a reason.
Case taken from PACER (pacer.gov). File number is Case 5:15-cv-00258-HE from the United States District Court for the Western District of Oklahoma.
*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 Diversified Adjustment Service, Inc. or any other third-party collection agency, you may not be entitled to any compensation.