There are few things you need to know if Federal Adjustment Bureau is calling you.*
When the monthly payments on your financial obligations go into arrears, sooner or later your creditors will assign them to a third-party collection agency or bundle them into a portfolio of other bad debts and sell them to a junk debt buyer for pennies on the dollar.
Either way, you’ll soon receive collection calls and letters.
Although debt collectors are permitted to contact you to collect a debt, there are restrictions on what they can say and do.
The Fair Debt Collection Practices Act, or FDCPA, a consumer protection law that has been in effect since 1977.
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This law makes it illegal to coerce or intimidate consumers into paying using tactics like these:
- Using profane and obscene language
- Calling you before 8:00 a.m. and after 9:00 p.m. your time
- Calling you at work when they know that your workplace won’t let you take such calls
- Threatening to ruin your credit unless the debt is paid
- Discussing the debt with anyone except you, your spouse, or your attorney
- Trying to collect an amount not authorized by law or by the original creditor agreement
Unfortunately, many debt collectors are long on greed and short on ethics, and circumvent the FDCPA at every opportunity.
Alleged Violations against Federal Adjustment Bureau Inc*
Federal Adjustment Bureau Inc, also known as FABCO, is a tenant screening and collection agency located in Columbus, Ohio. It was established in 1943, specializes in rental debt collections, and has a medium-sized staff.
Records archived at the PACER (Public Access to Court Electronic Records) website confirm that Federal Adjustment Bureau Inc has been accused of violating the FDCPA when attempting to collect delinquent rents.
Sometime prior to November 2014, an Ohio resident incurred a personal debt that was submitted to Federal Adjustment Bureau Inc for collection.
The agency allegedly contacted him at his place of employment by mailing a letter that was opened and read by another employee. The Plantiff was upset, because he had never given the company permission to contact him at his place of employment, nor had he provided them with his employer information.
The letter did not attempt to correct or confirm his location but, rather, stated that he owed a debt.
He emailed Federal Adjustment Bureau Inc requesting that they stop contacting him. They allegedly continued to call him. Frustrated, he hired a consumer attorney and filed a complaint accusing the agency of the following FDCPA violations:
- Disclosing to a third party that he owed a debt
- Disclosing to a third party that the communication was in relation to the collection of a debt
- Communicating with a third party without his consent
- Contacting him after receiving a written notification to cease communications
The matter was later dismissed.
The phone numbers for Federal Adjustment Bureau Inc are 1-614-538-5600 and 1-800-669-5010.
If either number appears on your caller ID, an agent from the company may be trying to reach you regarding a debt.
The FDCPA prohibits debt collectors from communicating with uninvolved third parties for any purpose other than locating you, so if they make others aware of your debt, contact a consumer attorney.
If you choose to sue Federal Adjustment Bureau Inc you could be awarded $1,000 per FDCPA violation, as well as court costs, attorney fees, and any actual damages you may have suffered.
When a debt collector infringes on your rights, a good consumer attorney will help you get the compensation you deserve.
*Case taken from PACER (www.pacer.gov). File number is 2:15-cv-00318-GLF-TPK from the Court of Common Pleas of Franklin County, Ohio, Civil Division.
Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against Federal Adjustment Bureau Inc or any other third-party collection agency, you may not be entitled to any compensation.