Debt collectors can be so ruthless that they harass terminally ill people for money. If you are dealing with a debt collector that behaves unethically, you are protected by a federal consumer protection law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, regulates what debt collectors can say or do while attempting to collect a debt. When a collection agency uses measures like those below, they risk being fined or shut down.
● Calling you at work after you tell them that you can’t take personal calls there
● Using obscene language
● Demanding amounts that are not supported by law or the original creditor agreement
● Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
● Trying to collect after you have formally disputed a debt
● Refusing to validate the debt and prove that they are authorized to collect it
Company Profile: United Adjustment Service, Inc.
If you are being called by United Adjustment Service, Inc., below are some additional details about the agency.
United Adjustment Service, Inc. is a debt collection agency in Carbondale, Illinois. It opened for business in 1980, has 23 employees, and is managed by its President, Justin Halteman. It specializes in collecting medical and dental debt. Consumer litigation records at the PACER website confirm that consumers who believed that they were being harassed by United Adjustment Service, Inc. did not let themselves be intimidated.
Alleged Violations against United Adjustment Service, Inc.*
According to information on the PACER website, on or around July 7, 2016, an Illinois consumer checked her credit report and saw that United Adjustment Service, Inc. had reported three tradelines. When she called to discuss them, the party who answered the phone allegedly did not identify themselves as a debt collector seeking to collect a debt.
Feeling harassed by United Adjustment Service, Inc., the consumer consulted with an attorney before suing the agency for:
● Failing to identify itself as a debt collector in all communications
● Using false, deceptive, and misleading means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection agency is 1-618-529-3812. If you see it on your caller ID when the phone rings, it is confirmation that United Adjustment Service, Inc. is on the line. If they don’t identify themselves as debt collectors in all communications, hire a consumer lawyer and file a claim against United Adjustment Service, Inc. If your claim is successful, the agency will be ordered to compensate you and cover your legal fees, so you have everything to gain by being proactive.
*Case taken from PACER (www.pacer.gov). File number is Case 3:16-cv-01086-SMY-SCW from the United States District Court for the Southern District of Illinois, Benton 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 United Adjustment Service, Inc. or any other third-party collection agency, you may not be entitled to any compensation.