Are You Being Called By Nashville Adjustment Bureau?*

Even the most financially responsible person can find themselves snowed under by debt. Unfortunately, collection agencies are rarely sympathetic about the whys and wherefores, and can be nasty when you don’t pay in full.

As much as they want your money, though, federal law prohibits them from harassing you to get it.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, protects consumers from unethical third-party debt collection practices. Tactics like those below are illegal when used to bully or deceive a consumer into paying a debt.

• Calling you outside of the hours of 8:00 a.m. – 9:00 p.m. in your time zone
• Contacting you at work after you tell them that your boss won’t let you take such calls
• Using profane or obscene language
• Making legally insupportable threats, such as wage garnishment and asset seizure
• Calling you at work if they know that your employer does not permit such calls
• Failing to identify themselves as debt collectors in each communication

Company Profile: Nashville Adjustment Bureau

If you are being called by Nashville Adjustment Bureau, information about the company is below.

Nashville Adjustment Bureau, which also does business as Frost-Arnett Company, is a debt collection company located in Nashville, Tennessee. It opened for business in 1978, has approximately 95 employees, and is managed by its President, George Buck.

A review of civil litigation records at the PACER (Public Access to Court Electronic Records) website confirms that consumers who felt they were being harassed by Nashville Adjustment Bureau let anger replace intimidation and filed lawsuits.

Alleged Violations against Nashville Adjustment Bureau

According to PACER, on or about December 28, 2009, Nashville Adjustment Bureau sent a collection letter to a Pennsylvania resident. It claimed that he owed $105.05, although he denied incurring the debt.

A second demand letter followed over two weeks later, within the 30-day dispute period. The plaintiff claimed that he never received additional information like when the alleged account went into default, etc.

Feeling harassed by Nashville Adjustment Bureau, Mr. Silverman 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
• Sending a demand letter within the statutory dispute period

The matter was later dismissed.

The phone numbers for this debt collection agency are:

• 1-615-256-7100A
• 1-800-264-7156
• 1-615-256-7156

If any of them appear on your caller ID when the phone rings, you are being called by Nashville Adjustment Bureau. If they send you a collection letter that does not reveal sufficient information about the debt and demand payments before the 30-day dispute period, contact a consumer attorney who can help you file a claim against Nashville Adjustment Bureau.

If the judge decides in your favor, you could win $1,000 per FDCPA violation in addition to court costs and attorney fees. When debt collectors forget that you have rights, the law helps you send them a reminder.

*Case taken from PACER (www.pacer.gov). File number is Case 2:10-cv-01073-ER from the United States District Court for the Eastern District of Pennsylvania.

Additional Resources

• Is a Debt Collector Calling at Odd Hours?
• Has a Debt Collector Used Profane Language?

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 Nashville Adjustment Bureau or any other third-party collection agency, you may not be entitled to any compensation.