Are You Being Called By Financial Adjusters, Inc.?*

Are you being called by Financial Adjusters, Inc.?* Here’s what you need to know.

When debt collectors are chasing you every day, hearing the phone ring can cause stress and anxiety, particularly if the agency assigned to your account is rude and aggressive when you say you can’t pay. Before giving serious thought to bankruptcy, see a consumer attorney instead, because unethical collection behavior violates federal law.

Your Rights Under the FDCPA

In 1977 Congress passed the Fair Debt Collection Practices Act (FDCPA) to stop abusive behavior by third-party collection agencies. Under the FDCPA, collection actions like those below are illegal, and any company that employs them risks significant sanctions.

• Using profane and obscene language
• Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m.
• Threatening action they cannot legally take or have no intention of taking
• Threatening to damage your reputation and credit rating
• Demanding amounts that are not supported by law or the agreement that created the debt.
• Failing to identify themselves as debt collectors in all communications

Company Profile: Financial Adjusters, Inc.

If you are being called by Financial Adjusters, Inc., information about the company is below.

Financial Adjusters, Inc. is a debt collection company located in Whitehall, Pennsylvania. It opened for business in 1981, has less than 10 employees and is managed by its President, Michael Yaroma. According to the company website, it specializes in asset repossession. A review of litigation files at the PACER (Public Access to Court Electronic Records) website reveals that consumers who felt they were being harassed by Financial Adjusters, Inc. went to court to defend their rights.

Alleged Violations against Financial Adjusters, Inc.

According to PACER, on or about October 18, 2012, a repossession agent employed by Financial Adjusters, Inc. allegedly showed up at the house of the plaintiff to seize her vehicle. When her daughter woke up, the agent allegedly yelled at her to “go back to f*cking bed!” Although the plaintiff had proof that she paid off the vehicle the agent allegedly refused to leave and the police had to be called. He ended up taking the vehicle until the situation was resolved, and the plaintiff later claimed that it was returned to her in a damaged condition.

Feeling harassed by Financial Adjusters, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:

• Using false, deceptive, and misleading means to collect a debt
• Using unfair and unconscionable means to collect a debt
• Threatening actions that could not legally be taken
• Attempting to collect an amount not permitted by law

The matter was later dismissed.

Hire an Attorney

The phone numbers for this debt collection agency are:

• 1-610-820-8311
• 1-800-368-4200

If they show up on your caller ID at any time, be aware that you are being called by Financial Adjusters, Inc.. If they try to threaten and bully you into paying a debt you have already settled, hire a consumer attorney immediately. If you file a claim against Financial Adjusters, Inc. and the outcome is in your favor, you may be awarded $1,000 per FDCPA violation plus associated legal fees. If a collection agency tries to convince you that you have no rights, the law can help you prove them wrong.

*Case taken from PACER (www.pacer.gov). File number is Case 2:13-cv-06117-ER from the United States District Court for the Eastern District of Pennsylvania.

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 Financial Adjusters, Inc., or any other third-party collection agency, you may not be entitled to any compensation.