Stop Credit Adjustments Inc. Phone Harassment?
Are you receiving calls from Credit Adjustments Inc. (CAI)?
If CAI threatens legal action, garnishes wages, or contacts you repeatedly, even your family or neighbors, this may be illegal under the Fair Debt Collection Practices Act (FDCPA). You have the legal right to stop harassment, and if CAI violates the FDCPA, you may be eligible for up to $1,000 in statutory damages plus attorney fees even in 2026.
Who Is Credit Adjustments Inc.?
Credit Adjustments Inc. (CAI) is a third-party debt collection agency that collects debts on behalf of creditors, including student loans. They have been in business for over 54 years and operate out of Defiance, Ohio.
| Company Detail | Information |
|---|---|
| Company Name | Credit Adjustments Inc. (CAI) |
| Business Type | Third-party debt collection agency |
| Years in Business | 54+ years |
| Industry | Debt Collection / Accounts Receivable Management |
| Primary Location | 330 Florence St, Defiance, OH 43512-2512 |
| Phone Numbers | 800-347-9623, 866-875-3784, 419-782-3709, 419-782-6838 (may vary) |
| Regulation | FDCPA, FCRA, FCCPA (Florida state law if applicable) |
Other names CAI may appear as: Credit Adjustments, Credit Adjustments Collection Agency, Credit Adjustments Inc. Payments, Credit Adjustments Defiance Ohio, Credit Adjustments Inc. Student Loans.
Credit Adjustments Inc Phone Numbers
Are you receiving any harassing phone calls from any of the following phone numbers to set up payment options or to connect with representatives regarding your debts?
- ☎️ 800-347-9623
- ☎️ 866-875-3784
- ☎️ 419-782-3709
- ☎️ 419-782-6838
Recognizing Harassment by CAI: Be Aware!
Debt collection harassment includes abusive, threatening, or deceptive practices. Watch for:
Calls at unusual hours (before 8:00 a.m. or after 9:00 p.m.)
Failing to provide written notice of your debt and your rights
If these occur, they may violate federal law (FDCPA) and give you the right to take action.
What to Do If You Are Harassed
Know your rights under FDCPA, FCRA, and state laws.
Request debt validation in writing to confirm the debt is yours.
Document all communications: phone calls, letters, emails, dates, times, and details.
Do not provide personal info until the debt is verified.
Send a written cease-and-desist letter if harassment continues.
Consult a consumer rights attorney to enforce your rights or recover damages.
Reporting Authorities
If you experience harassment, you can report it to these official authorities:
| Authority | What to Report | How to Report | Website / Phone |
|---|---|---|---|
| Federal Trade Commission (FTC) | Illegal calls, abusive practices | Online complaint form | FTC official website or 1-877-FTC-HELP |
| (CFPB) | Debt collection violations | Online complaint form or phone | CFPB official website or 1-855-411-CFPB |
| State Attorney General | Violations of state debt collection laws | Online or phone complaint | Your state Attorney General’s office |
| Better Business Bureau (BBB) | Business complaints, patterns of harassment | Online complaint form | BBB official website |
FAQs
Is Credit Adjustments Inc. a scam?
No, CAI is a legitimate debt collection agency with over 54 years in business, not a scam.
Can CAI garnish my wages?
Yes, CAI can garnish wages for federal student loans or court-ordered debts within legal limits.
Can Credit Adjustments Inc. sue me?
Yes, they may sue if the debt is within the legal statute of limitations in your state.
Can CAI report my debt to credit bureaus?
Yes, but you can dispute inaccurate or outdated debts reported to credit agencies.
Can CAI arrest me?
No, debt collectors can’t arrest you, but failing a court order may result in legal consequences.
What tactics by CAI may violate the FDCPA?
Repeated calls, threats, profanity, late-night calls, or contacting family may violate your FDCPA rights.
What are my rights under the FDCPA?
You have the right to dispute debt, stop contact, and sue for harassment or false threats.
What phone numbers are used by CAI to harass consumers?
Known CAI numbers include 800-347-9623, 866-875-3784, 419-782-3709, and 419-782-6838.
What steps should I take to stop CAI harassment?
Send a cease-and-desist letter, request debt verification, and contact a consumer rights attorney.
How can legal help stop harassment from Credit Adjustments Inc.?
A consumer rights law firm can file lawsuits, recover damages, and legally end CAI’s illegal harassment.
Consumer Rights Law Firm, PLLC
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Credit Adjustments Inc. harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
🔗 Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from Credit Adjustments Inc., call us at 📲(877)700-5790 for immediate assistance or visit our website at Consumer Rights Law Firm, PLLC.
Success Stories
👉 “What an amazing experience I had with Consumer Rights Law firm. I kept getting constant calls from a debt collector who was asking for someone I didn’t know. After explaining over and over, I was not the person they were looking for, The calls continued, it became frustrating and very annoying. I came across this firm and just called to talk to someone to see how I could get the calls to stop. I spoke to a gentleman who was very professional and very helpful. Not only did they get the calls to stop immediately, but they were also able to put some money in my pocket. Here’s the best thing: it cost me nothing for them to help me. They come highly recommended. Thank you, Consumer Rights” – Sean A.
👉 “I had the pleasure of dealing with Consumer Rights Law Firm PLLC on two separate occasions. The staff was courteous, helpful, and well-informed about the collection agencies involved. Thanks to their support, the harassment calls stopped, and I even received compensation. I highly recommend this firm to anyone facing similar issues—I’m a very satisfied customer.” – Dencia G.
👉 “Dealing with harassment? I would strongly recommend the Consumer Rights Law Firm. Their team was professional, knowledgeable, and clear about my rights throughout the process.” – Theresa M.
If You Have Any Questions, Feel Free to Visit:
Contact the Ohio Attorney General now:
