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Updated on Author: Contributing Author: Sergei Lemberg

Are You Being Called By West Coast Adjusters*?

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Are You Being Called By West Coast Adjusters*? Here’s What You Need to Know

Debt collectors are not legally permitted to harass consumers into paying a debt, but it happens so often that the Federal Trade Commission receives thousands of complaints a year. If you find yourself on the receiving end of an aggressive collection agency, it is important to know your rights.

Your Rights Under the FDCPA

Under the Fair Debt Collection Practices Act (FDCPA), collection agencies may not use unprofessional methods to collect a consumer debt. Tactics like those below can result in fines and even revocation of an agency’s license.

  • Using profane or obscene language
  • Telling you that you can be arrested for not paying your debts
  • Calling you at work if they know or have reason to know what such calls are not allowed
  • Telling your friends and family that you owe money
  • Threatening action they cannot legally take or have no intention of taking
  • Leaving voice messages that do not identify the collector and the purpose of their call

Are You Being Called By West Coast Adjusters*?

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Company Profile: West Coast Adjusters

If you are being called by West Coast Adjusters, below is a general company overview.

West Coast Adjusters, which also does business as CN Collections Inc, is a debt collection agency located in Everett, Washington. It was established in 1981, has 10 to 19 employees, and is managed by owner its President, Connie Nelson. According to the company’s website, it specializes in medical and dental collections. The PACER website holdings include litigation files confirming that consumers who believed that they were being harassed by West Coast Adjusters chose to dispute its claim all the way to court.

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Alleged Violations against West Coast Adjusters**

According to information on the PACER website, in or around December 2015, a Washington consumer checked her credit report and saw that West Coast Adjusters was reporting a debt. She sent a dispute letter on December 10. When she checked her credit report again in January 26, the tradeline was not marked “disputed by consumer.”

Feeling harassed by West Coast Adjusters, the consumer hired an attorney and sued the company for allegedly:

  • Using harassing and abusive means to collect a debt
  • Using unfair and unconscionable means to collect a debt
  • Using false, deceptive, and misleading means to collect a debt
  • Reporting inaccurate information to the credit bureaus

The matter was later dismissed.

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Hire a Consumer Lawyer

The phone numbers for this debt collection agency are:

If any of these numbers appear on your caller ID, West Coast Adjusters is on the line and trying to connect with you about a debt you allegedly owe. If they fail or refuse to report a dispute to the credit bureaus, protect yourself by hiring a consumer lawyer and filing a claim against West Coast Adjusters. You could potentially win $1,000 per FDCPA violation plus any associated costs. If a debt collector tries to enrich themselves at your expense, make them pay you instead.

**Case taken from PACER ( File number is Case 2:16-cv-00774-JLR from the United States District Court for the Western District of Washington.

*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 West Coast Adjusters or any other third-party collection agency, you may not be entitled to any compensation.

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Additional Resources

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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