Is Oliver Adjustment Company Inc calling you? Here's what you need to know.
Once you miss a certain number of debt payments, the creditors will sooner or later assign the account to a third-party collection agency. While debt collectors are permitted to contact you to settle the debt, they are not allowed to do so in ways that constitute bullying or harassment. If they do, you have grounds to sue.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 because of concerns that debt collectors were behind an increase in personal bankruptcies. Consumers can now demand proof that a debt actually exists and tell third-party debt collectors to stop contacting them. The FDCPA also placed made it illegal for debt collectors to do any of the following while collecting or attempting to collect a debt.
- Call at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m
- Fail or refuse to identify themselves as debt collectors in every communication
- Use the phone to harass someone: for example, calling and hanging up or using an autodialer
- Use profane or obscene language.
- Call someone at work after they’ve been advised that such calls are not allowed
- Discuss the debt with any third parties
Company Profile: Oliver Adjustment Company Inc
Oliver Adjustment Company Inc, which does business as OAC Collection Specialists, is a debt collection agency located in Kenosha, Wisconsin. It was founded in 1919, has approximately 21 employees, and is managed by its President, Fred Quandt. Records on file at the PACER (Public Access to Court Electronic Records) website indicate that Oliver Adjustment Company Inc has been accused of illegal collection practices.
Alleged Violations against Oliver Adjustment Company Inc
According to PACER, in late 2015, a Wisconsin resident began receiving collection letters from Oliver Adjustment Company Inc seeking payment on medical bills she had amassed. Knowing that she could not pay due to a lack of income, she consulted an attorney, who faxed the agency a letter requesting validation of the debts and asking that all attempts to contact Ms. Schiewe cease.
Nonetheless, on or around February 24, 2016, the plaintiff received a collection correspondence from Oliver Adjustment Company Inc demanding payment on the debts.
Realizing that the agency would not cease its collection efforts despite a formal request to do so from her attorneys, the plaintiff sued Oliver Adjustment Company for allegedly violating the FDCPA in the following ways:
- Contacting her directly while knowing she was represented by an attorney regarding the debt
- Using unfair or unconscionable means to collect a debt
- Using oppressive and harassing means to collect a debt
The matter was later dismissed.
Hire an FDCPA Attorney
The phone numbers for Oliver Adjustment Company Inc are:
If either of these numbers appear on your caller ID, a debt collector is trying to contact you. If they harass you over a debt that you cannot pay due to financial difficulties, hire an attorney who can deal with Oliver Adjustment Company Inc and help you fight it in court. You could potentially be awarded $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages, so hold your ground and assert your rights.
*Case taken from PACER (www.pacer.gov). File number is Case: 1:16-cv-04197 from United States District Court for the Northern District of Illinois, Eastern Division
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 Oliver Adjustment Company Inc, or any other third-party collection agency, you may not be entitled to any compensation.