Is Knight Adjustment Bureau calling you? Learn how to protect your rights!*
Thanks to the prevalence of credit cards, student loans, and other forms of easy credit, most adult Americans carry some form of debt these days.
For some, their debt levels are so high that they can only make the minimum payments. When they lose their jobs or are otherwise unable to work, even these token payments become impossible, and debt collectors eventually start calling.
The Fair Debt Collection Practices Act (FDCPA) regulates the way that third-party debt collectors can deal with consumers while attempting to collect payments.
Actions like the following are prohibited:
- Calling at inconvenient times, namely before 8:00 a.m. and after 9:00 p.m. in the consumer’s time zone
- Contacting a debtor at work when they know that the person’s employer does not allow them to take such calls
- Cursing, yelling, and making threats
- Failing to identify themselves as debt collectors seeking to collect a debt
- Talking to a person’s friends, neighbors, and coworkers about the debt
- Failing or refusing to verify the debt upon request
Alleged Violations against Knight Adjustment Bureau*
Many debt collectors ignore these restrictions.
Knight Adjustment Bureau is a collection agency located in Salt Lake City, Utah.
It was established in 1954, employs 20 to 49 staff, and is a member of the Association of Credit and Collections Professionals.
Records archived at the PACER (Public Access to Court Electronic Records) website confirms that Knight Adjustment Bureau has been accused of violating the FDCPA while trying to collect consumer debts.
Teresa England v. Knight Adjustment Bureau
In 2010, Utah resident Teresa England began getting calls from Knight Adjustment Bureau about a debt she allegedly owed.
She later claimed that no validation notice followed within five days after the first communication, and that the agency representatives even called her workplace and left several voicemail messages for her supervisor.
They also allegedly threatened to garnish her wages if she didn’t pay.
Ms. England hired a consumer attorney and filed a complaint against Knight Adjustment Bureau for allegedly violating the FDCPA in the following ways:
- Revealing her debt to uninvolved third parties
- Threatening to take an action that cannot be legally taken or that was not actually intended to be taken
- Failing to provide her with the required validation notices within five days of the first communication
The matter was later dismissed.
The phone numbers for Knight Adjustment Bureau are 1-801-531-7251 and 1-800-748-4113.
If either number appears on your caller ID, it means that a debt collector is trying to contact you about a debt it has been assigned to collect.
If they fail to send you a debt validation notice, make uninvolved third parties aware of your debt situation, or threaten to garnish your wages, contact a consumer attorney.
These tactics and others like them are illegal under the FDCPA, and if you enlist your attorney’s help in taking Knight Adjustment Bureau to court, you could potentially win $1,000 per violation plus attorney's fees, court costs, and any actual damages.
The FDCPA was enacted for a reason, so do not hesitate to take advantage of the rights that it grants you.
*Case taken from PACER (www.pacer.gov). File number is 1:11-cv-00002-CW, from United States District Court, District of Utah, Northern 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 Knight Adjustment Bureau or any other third-party collection agency, you may not be entitled to any compensation.