🚨American Adjustment Bureau Phone Harassment
If you ask any consumer about what it is they dread the most, they may disclose to you that they fear being in debt and having to go through the entire debt collection process. This is so because being in debt is an uncomfortable position for anyone, and the debt collection process can be quite an arduous one. You may currently be going through this ordeal and receiving calls from a debt collection agency like American Adjustment Bureau Phone harassment. Regardless of how difficult or uncomfortable the situation you find yourself in is, we can all agree that pretending your debt problems don’t exist by ignoring the calls you receive from your debt collector will not make your debts disappear. If anything, it only makes the situation worse.
A good attorney or credit counselor will advise you that ignoring debt collectors’ letters and phone calls is never a good idea. It is not a good idea because ignoring the situation you are in will only make your debt collector more likely to sue, and if you continue to ignore them by failing to acknowledge the lawsuit, the court will grant them a victory by default.
Your debt collection agency getting a victory against you by default is a big win for them and a huge loss for you because the court may give them access to garnish your wages or have you arrested.
In dealing with a debt collector, you must remember that every third-party debt collector has certain rules which they must play by. These rules are called the FDCPA. A violation of these rules amounts to American Adjustment Bureau Phone Harassment and could fetch you statutory damages of up to $1000 in statutory damages.
Outlined below are steps to help you avoid having your wages garnished.
🔍How to prevent Garnishment
- Do not ignore the creditor’s demand letter. This is usually a form of a final warning from the creditor to get you to pay up before the garnishment begins, it is called a “demand letter. If you receive such, do not ignore it, try negotiating with the creditor as most of them prefer willing payments than going through the strenuous process required to obtain a court garnishment order. The Fair Credit Reporting Act provides you with rights to dispute inaccuracies in your credit report, which can be crucial in these situations. You can also file disputes with credit bureaus to correct any errors in your credit report, as a significant percentage of credit reports contain mistakes.
- Look to remedies available in your state. Some states have protection against American Adjustment Bureau phone harassment. For instance in Ohio, you can get the court to grant you a trustee who you pay to. The trustee then distributes the payment to the creditor, your wage cannot be garnished as long as you are in a trusteeship.
- Get proper counseling. Seek advice from a consumer rights lawyer. You can contact an A+ accredited consumer rights attorney at 877-700-5790.
- It is possible to negotiate with the creditor to make bite-size payments over time. Remember to put any agreements made in writing and document them. Also, make bargains that you can afford to keep. Avoid agreeing to unrealistic durations.
📢Who are the American Adjustment Bureau Debt Collectors?
American Adjustment Bureau is a third-party debt collector located in Waterbury, Connecticut. It is important to note that AAB is not a government agency but a private company. AAB is a legitimate debt collection agency and has been a party to a Federal Court case over 30 times.
📞Contact Information
Address: 73 Field St
Waterbury, CT 06702-1906
Phone: (203) 574-4200
🔍Is American Adjustment Bureau a Legitimate Debt Collection Agency?
According to the Better Business Bureau website, American Adjustment Bureau has been in business for 38 years. There have been 20 complaints filed against AAB with the BBB. Read more here: American Adjustment Bureau Better Business Bureau
📵American Adjustment Bureau Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
203-574-4200, 866-843-9729, (203) 574-4200, (866) 843-9729, 2035744200, 8668439729
If the answer is yes, then you are receiving calls from a known AAB number. You may be a victim of American Adjustment Bureau phone harassment. Debt collectors using obscene or profane language during these calls are violating regulations. Call us now at 877-700-5790 for immediate assistance.
📜The following is a sample list of complaints filed against the American Adjustment Bureau in the past and can be found on Pacer.gov.
3:17-cv-01640-DJS Calderon v. American Adjustment Bureau
3:99-cv-01180-AWT Beaulieu v. American Adjustment
2:17-cv-05944-ODW-JEM Borkowski v. American Adjustment Bureau
3:15-cv-01683-BEN-RBB Blaszyk v. American Adjustment Bureau
3:13-cv-01043-MPS Cricco et al v. American Adjustment Bureau
⚖️Fair Debt Collection Practices
The Fair Debt Collection Practices Act (FDCPA) is a crucial piece of legislation that safeguards consumers from American Adjustment Bureau debt collection harassment. Enacted in 1977 and enforced by the Federal Trade Commission (FTC), the FDCPA sets clear guidelines for how debt collectors must conduct themselves.
Under the FDCPA, debt collectors are required to send a written notice to the consumer within five days of their initial communication. This notice must include the amount of the debt, the name of the creditor, and a statement informing the consumer of their right to dispute the debt.
Debt collectors are also prohibited from contacting consumers at inconvenient times or places, such as early in the morning or late at night, or at their workplace if the employer disallows it. Additionally, they must refrain from using abusive or obscene language and cannot threaten actions that they are not legally permitted to take.
Moreover, debt collectors must not make false or misleading representations about the debt, including its amount, character, or legal status. These provisions are designed to ensure that debt collection practices are fair and transparent, protecting consumers from American Adjustment Bureau Phone Harassment and deception.
📢Understanding Your Rights
As a consumer, it’s vital to know your rights when dealing with American Adjustment Bureau debt collection harassment. These rights are designed to protect you from unfair and abusive practices and to ensure that you are treated with respect and fairness.
Firstly, you have the right to dispute the debt. If you believe that the debt is not yours or that the amount is incorrect, you can request verification from the debt collector. This means they must provide evidence that the debt is valid.
You also have the right to request that all communication be in writing. This can help you keep a clear record of all interactions and avoid the stress of phone calls or in-person visits.
Importantly, you have the right to be free from American Adjustment Bureau Phone Harassment. Debt collectors are not allowed to use abusive language, make threats, or repeatedly call you to the point of harassment. If they do, they are violating the FDCPA.
Finally, if a debt collector violates your rights under the FDCPA, you have the right to sue for damages. This can include compensation for any harm caused by their actions, as well as statutory damages.
📜Filing a Complaint
If you believe that a debt collector has violated the FDCPA, you have the option to file a complaint with the Federal Trade Commission (FTC). This process is straightforward and can be done online or by mail.
To file a complaint, you will need to provide some essential information:
- Your name and address
- The name and address of the debt collector
- A description of the debt and the amount owed
- A detailed account of the alleged violation of the FDCPA
- Any supporting documentation, such as letters, emails, or phone records
Once your complaint is submitted, the FTC will review it and may take action against the debt collector if they find that the FDCPA has been violated. This can include fines, penalties, or other enforcement actions to ensure compliance with fair debt collection practices.
By understanding your rights and knowing how to file a complaint, you can take proactive steps to protect yourself from abusive American Adjustment Bureau debt collection harassment and ensure that your interactions with debt collectors are fair and respectful.
💼About Us
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing American Adjustment Bureau Phone Harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from AAB. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at (877)700-5790 for immediate assistance.
