A new consumer survey carried out by the Consumer Financial Protection Bureau indicates that many people with a debt in collections are abused, harassed, and deceived by debt collectors. The survey is an important reminder that consumer harassment is illegal and that steps can be taken to make it stop.
Your Rights Under the FDCPA
The Federal Trade Commission (FTC) regulates the activities of third-party debt collectors via the Fair Debt Collection Practices Act or FDCPA. It prohibits actions like those below when used to collect a debt.
- Using profane and abusive language
- Talking to uninvolved parties such as your friends, family, and co-workers about the debt
- Using an autodialer to leave a stream of pre-recorded messages
- Calling you at work after you’ve told them that you aren’t allowed to talk to them there
- Threatening legal actions that they have no intention of taking
- Pretending to be police officers, government officials, or any other law enforcement figure
Company Profile: Tri-State Adjustments, Inc.
If you are being called by Tri-State Adjustments, Inc., information about the company is below.
Tri-State Adjustments, Inc. is a debt collection company located in La Crosse, Wisconsin. It opened in 1990, has 50 to 99 employees, and is managed by its CEO, Rhonda Helgeson.
According to records retained by the PACER (Public Access to Court Electronic Records) website, people who felt that they were being harassed by Tri-State Adjustments, Inc. refused to pay debt amounts that they did not believe they owed.
Alleged Violations against Tri-State Adjustments, Inc.
Maranda Woodward vs. Tri-State Adjustments, Inc.
According to PACER, on or about December 5, 2011, Tri-State Adjustments, Inc. sent a collection letter to a Wisconsin woman seeking payment for a medical debt. Another letter followed or about February 27, 2012, this one seeking a higher amount.
He concluded that the company was attempting to collect interest on the alleged debts although it had no legal basis for doing so.
Feeling harassed by Tri-State Adjustments, Inc., he 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
- Misrepresenting the character, amount or legal status of the debt
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are as follows:
If any of these numbers flash on your caller ID morning or night, it means that you are being called by Tri-State Adjustments, Inc.. If they add interest to your debt without a legal basis for doing so, hire a consumer attorney who can help you file a claim against Tri-State Adjustments, Inc.
You could potentially be awarded $1,000 per FDCPA violation plus court costs and attorney fees, so when a collection agency tries to take advantage of you, let the law help you seek the compensation you are entitled to.
- How Can an Attorney Help Me with an FDCPA Claim?
- How to Stop a Debt Collector from Calling You Repeatedly
*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 Tri-State Adjustments, Inc. or any other third-party collection agency, you may not be entitled to any compensation.