It’s doubtful that you ever intended to go into debt, but personal circumstances left you unable to make the minimum payments on your monthly financial obligations and now debt collectors are calling. If you are being bullied by a collection agency because you’ve experienced a financial setback, learn more about your rights as a consumer.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 after indebted consumers repeatedly complained about being mistreated by third-party collection agencies. This consumer protection law makes it illegal to use tactics like those below to intimidate you into paying.
- Claiming that you owe an amount that’s not supported by law or the original creditor agreement
- Refusing to prove that a debt is valid and they are authorized to collect it
- Using profane and obscene language
- Failing or refusing to identify themselves as debt collectors in every communication
- Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m.
- Talking about the debt to anyone except you, your spouse, or your attorney
![Is Professional Adjustment Bureau of SW Florida Calling You?]()
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Company Profile: Professional Adjustment Bureau of Southwest Florida, Inc.
If you are being called by Professional Adjustment Bureau of Southwest Florida, Inc., information about the company is below.
Professional Adjustment Bureau of Southwest Florida, Inc. is a debt collection company located in Fort Myers, Florida. It was established in 1998, has approximately 20 employees, and is managed by its CEO, Kirby Cameron. Records on file at the PACER (Public Access to Court Electronic Records) website indicate that consumers who believed they were being harassed by Professional Adjustment Bureau of Southwest Florida, Inc. hired consumer attorneys to help them fight back.
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Alleged Violations against Professional Adjustment Bureau of Southwest Florida, Inc.
According to PACER, in or around September 2010 a Florida resident noted that Professional Adjustment Bureau of Southwest Florida, Inc. was reporting a negative tradeline on her credit report. It was for a medical debt that she did not recognize, so she contacted the agency and asked for validation. She later alleged that no validation was ever received. She disputed the debt with the credit bureaus, which subsequently informed her that Professional Adjustment Bureau of Southwest Florida, Inc. had confirmed its validity.
Feeling harassed by Professional Adjustment Bureau of Southwest Florida, Inc., she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Failing to report her debt as disputed
- Failing to validate the debt upon request
The matter was later settled.
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Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If any of these numbers appears on your caller ID at any time, be aware that you are being called by Professional Adjustment Bureau of Southwest Florida, Inc.. If they fail to either validate your alleged debt or report a dispute to the credit bureaus, hire a consumer attorney who can help you assert your rights in court. If you file a claim against Professional Adjustment Bureau of Southwest Florida, Inc. and win your case, you could be awarded $1,000 per FDCPA violation. You have rights no matter how much you owe.
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Helpful Resources
*Case taken from PACER (www.pacer.gov). File number is Case 2:12-cv-00162-JES-DNF from the United States District Court for the Middle District of Florida, Fort Myers 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 Professional Adjustment Bureau of Southwest Florida, Inc., or any other third-party collection agency, you may not be entitled to any compensation.