The Aggressive Nature of A.G. Adjustments Collection Calls
Are relentless calls from A.G. Adjustments disrupting your day? Their persistent tactics often cross from aggressive collection into illegal harassment. If you’re receiving multiple daily calls, threats, or calls at all hours, you are not alone.
Consumer Rights Law Firm PLLC helps consumers stop illegal debt collection calls and hold abusive collectors like A.G. Adjustments accountable under federal law.
A.G. Adjustments’ business model often relies on high-volume, high-pressure calling that can violate consumer protection laws.
Understanding the A.G. Adjustments Problem
A.G. Adjustments frequently pursues older, charged-off debts purchased in bulk, leading to aggressive collection strategies. As a debt buyer, their profit depends on collecting as much as possible from accounts they acquire for pennies.
This financial incentive can lead to systematic calling campaigns designed to pressure consumers into quick payments, often without proper debt verification.
The financial structure of debt buying incentivizes agencies like A.G. Adjustments to use pressure tactics that often breach legal limits.
Who is A.G. Adjustments?
According to Better Business Bureau, A.G. Adjustments, Ltd. is a large, nationally-operating debt collection agency headquartered in New York. They act as both a third-party collector for original creditors and a debt buyer who purchases portfolios of charged-off accounts.
Key Details:
Full Name: A.G. Adjustments, Ltd.
Common Variations: AG Adjustments, A.G. Adjustments collection agency
Industry Role: Third-party debt collector and debt buyer
Operation Scope: Nationwide collection activities
Your Legal Rights Against A.G. Adjustments Harassment
The Fair Debt Collection Practices Act (FDCPA) provides specific protections against A.G. Adjustments’ collection methods. This federal law applies regardless of whether you actually owe the debt in question.
Your Key FDCPA Rights:
Right to Validation: You can demand written proof of the debt.
Right to Cease Communication: You can demand they stop calling you.
Protection from Abuse: They cannot harass, threaten, or use false statements.
If A.G. Adjustments violates the FDCPA, you may sue for up to $1,000 in statutory damages plus actual damages. They must also pay your attorney’s fees and court costs.
The Federal Trade Commission (FTC) enforces these regulations. FTC: Fair Debt Collection Practices Act
Federal law empowers you to control how and when A.G. Adjustments contacts you, regardless of the debt’s validity.
Understanding these rights is essential, but enforcing them requires proper action. If A.G. Adjustments disregards your rights, firms like Consumer Rights Law Firm PLLC can help enforce them through proper legal channels.
Signs of Illegal A.G. Adjustments Phone Harassment
A.G. Adjustments phone harassment occurs when their collection tactics violate specific FDCPA provisions. Recognizing these signs helps you identify illegal behavior.
Illegal A.G. Adjustments Behaviors Include:
Calling before 8:00 a.m. or after 9:00 p.m. in your time zone
Using profane, obscene, or abusive language
Threatening arrest, lawsuits, or wage garnishment they cannot legally perform
Calling repeatedly with intent to annoy, abuse, or harass
Discussing your debt with third parties like family or employers
Specific call patterns and behaviors transform A.G. Adjustments’ persistence into illegal harassment.
Complaints Against A.G. Adjustments
The following is a sample list of complaints filed against A.G. Adjustments in the past year and can be found on Pacer.gov. These complaints can be found on the Pacer.org page dedicated to A.G. Adjustments.
| Case Name | Case Number | Filing Year | Defendant |
|---|---|---|---|
| Wilson v. A.G. Adjustments | 0:95-cv-03768-LDW | 1995 | A.G. Adjustments |
| Brauner v. A.G. Adjustments | 2:13-cv-04779-JFB-GRB | 2013 | A.G. Adjustments |
| Berger v. A.G. Adjustments | 2:00-cv-07333-ADS-ARL | 2000 | A.G. Adjustments |
| Yoways v. A G Adjustment | 1:03-cv-00974 | 2003 | A G Adjustment |
Real-Life A.G. Adjustments Harassment Examples
Consumers report consistent patterns in A.G. Adjustments’ aggressive communication tactics. These examples illustrate common harassment scenarios.
Vague, Threatening Voicemail:
“This is A.G. Adjustments calling about an urgent financial matter. Immediate callback required to avoid account escalation and further action.”
High-Pressure Call Script:
“We are processing legal documentation on your account today. This is your final opportunity to settle before we proceed with legal remedies next week.”
Intimidation Tactic:
Mentioning specific employers or family members to create social pressure and shame.
What To Do About A.G. Adjustments Phone Harassment
Follow a documented, step-by-step approach to stop A.G. Adjustments harassment effectively. Immediate, organized action is your best defense.
Immediate Actions:
Document every call with date, time, number, and agent name
Request written debt validation via certified mail within 30 days
Send a cease and desist letter if calls continue after validation request
You can also file complaints with government agencies. The U.S. Department of Justice provides resources on debt collection rights.
Shifting communication to written form and creating a paper trail is your most powerful response to A.G. Adjustments.
Properly executing these steps requires precision and knowledge of FDCPA requirements. Legal professionals like those at Consumer Rights Law Firm PLLC can ensure your actions are legally sound and effective.
A.G. Adjustments Phone Numbers
Are you receiving any harassing phone calls from any of the following phone numbers?
| Phone Number |
|---|
| 888-496-1600 |
| 631-425-8800 |
Proving A.G. Adjustments Harassment
Comprehensive documentation transforms your complaint into a credible legal case against A.G. Adjustments. Evidence is everything when proving FDCPA violations.
Critical Evidence to Collect:
Call logs showing frequency and timing patterns
Recorded voicemails with threats or abusive language
Copies of all correspondence (your letters and their responses)
Certified mail receipts proving they received your demands
Notes from each conversation with agent names and quotes
A.G. Adjustments Contact Pattern Analysis
Analyzing your call log can reveal the systematic harassment patterns regulators recognize. Courts look for patterns that show intent to harass rather than legitimate collection attempts.
A.G. Adjustments Call Pattern Reference Table
| Pattern Type | Example | Legal Status | FDCPA Reference |
|---|---|---|---|
| Multiple Daily Calls | 5+ calls in one day | Potentially Illegal | § 1692d(5) – Harassment by frequency |
| Calls on Sundays/Holidays | Regular Sunday calls | Potentially Illegal | § 1692c(a)(1) – Convenient times only |
| Early/Late Hour Calls | Calls at 7:15 AM or 9:30 PM | Illegal | § 1692c(a)(1) – Inconvenient times |
| Continuous Calling | Calls daily for weeks after dispute | Illegal | § 1692c(c) – Ignoring cease request |
Verify A.G. Adjustments Callers: 2026 Security Protocol
With sophisticated caller ID spoofing, verifying A.G. Adjustments callers requires specific 2026 verification steps. Scammers frequently impersonate legitimate agencies.
Verification Guide:
Ask for credentials: Request the collector’s full name, ID number, and direct callback number
Get their address: Ask for A.G. Adjustments’ complete mailing address for written correspondence
Verify independently: Hang up and search the agency through official state business registries
Never provide information: Do not give personal or payment details during an incoming call
2026 Scam Alert: Fraudsters impersonating A.G. Adjustments with threats of “immediate litigation” unless paid via gift cards or cryptocurrency.
2026 Updates: A.G. Adjustments and Modern Debt Collection
Regulatory changes in 2026 directly impact how agencies like A.G. Adjustments can operate. New rules provide enhanced consumer protections.
Key 2026 Developments:
Increased FTC scrutiny on “robocalling” and automated dialing patterns
Stricter requirements for debt validation documentation
Enhanced penalties for collecting on time-barred debts
New digital communication rules governing texts and emails from collectors
Recent regulatory actions provide stronger consumer leverage against agencies with aggressive collection histories.
A.G. Adjustments Tactics: Legal vs. Illegal Reference Chart
This clear reference distinguishes between A.G. Adjustments’ aggressive but legal tactics and illegal harassment. Use this chart to identify potential violations.
A.G. Adjustments Collection Tactics Analysis
| Tactic | Legal Status | Law Reference | Why It’s Illegal |
|---|---|---|---|
| Calling 3+ times daily about same debt | Potentially Illegal | FDCPA § 1692d(5) | Shows intent to harass rather than collect |
| Threatening arrest for non-payment | Illegal | FDCPA § 1692e(4) | False representation of legal consequences |
| Discussing debt with your employer | Illegal | FDCPA § 1692c(b) | Improper third-party disclosure |
| Using profane/abusive language | Illegal | FDCPA § 1692d(2) | Harassment through language |
| Calling before 8am or after 9pm | Illegal | FDCPA § 1692c(a)(1) | Contact at inconvenient times |
| Continuing calls after written cease request | Illegal | FDCPA § 1692c(c) | Violation of consumer’s communication rights |
Get Help With A.G. Adjustments Phone Harassment
When A.G. Adjustments’ calls become overwhelming or clearly unlawful, professional legal help can provide relief and solutions. You don’t have to navigate complex debt collection laws alone.
You can contact us for assistance. We handle debt collection harassment cases, help consumers stop intrusive calls, and protect consumers’ rights under the FDCPA. We offer guidance on your specific situation with A.G. Adjustments. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Success Stories
They worked quickly to not only get the account removed from my credit report, but also get me a settlement on top of that. Of course, this was my personal result – yours may differ. I didn’t have to pay a single dime for the service. All my questions were answered thoroughly and in a very timely manner. Do not hesitate to put your trust in this law firm.
They’re awesome and will never ask you for a dollar or pay for their services absolutely true and dependable my case has been dismissed and I owe not one penny on my debt I pleased with my outcome very happy if it was on my credit report it’s off now Thank you for a wonderful job Consumer rights law firm PLLC
Frequently Asked Questions
Is A.G. Adjustments a legitimate company or a scam?
A.G. Adjustments is a legitimate, registered debt collection agency, but they may use illegal harassment tactics that violate the FDCPA.
Can A.G. Adjustments garnish my wages?
Only if they first sue you in court and obtain a judgment. Threats of immediate wage garnishment are often illegal intimidation tactics.
What is A.G. Adjustments’ phone number?
They use multiple numbers; the most important step is documenting whatever number appears, not calling it back. Focus on their official mailing address for written communication.
Can I sue A.G. Adjustments for harassment?
Yes, if they violate the FDCPA, you may sue for up to $1,000 in statutory damages plus actual damages, and they must pay your attorney’s fees.
How do I get A.G. Adjustments to stop calling my workplace?
Inform them verbally and in writing that your employer prohibits such calls. If they continue, each call is a separate FDCPA violation.
What should I do if A.G. Adjustments calls about a debt I don’t recognize?
Immediately request written validation via certified mail. Under the FDCPA, they must cease collection until they provide proof.
Can A.G. Adjustments put a lien on my house?
Only if they sue you, obtain a court judgment, and follow specific legal procedures for your state. This cannot happen from phone calls alone.
How many calls from A.G. Adjustments constitute harassment?
There’s no specific number, but patterns showing intent to annoy—like multiple daily calls or calls after you’ve asked them to stop—are illegal.
What if A.G. Adjustments is calling about someone else’s debt?
Send a written dispute via certified mail stating you are not the responsible party. They must investigate and stop contacting you if the debt isn’t yours.
How long do I have to take legal action against A.G. Adjustments?
The FDCPA statute of limitations is one year from the date of the violation. State law claims may have different deadlines.
Taking Control of A.G. Adjustments Harassment
You have the legal tools and rights to stop A.G. Adjustments’ aggressive collection tactics. The FDCPA provides a clear framework for protecting yourself from harassment.
Through documentation, written communication, and legal enforcement when necessary, you can end the harassment. Remember that legitimate debt collection should be professional, not threatening or abusive.
Proactive, informed action is the most effective defense against A.G. Adjustments’ persistent collection efforts.
Government Resources:
