Credit Adjustments Inc. Phone Harassment?
Is Credit Adjustments Inc. (CAI) calling you? Stop Credit Adjustments Inc. phone harassment. Do they threaten to take legal action or garnish your wages? Are they called you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop CAI phone harassment. CAI was allegedly calling about a debt her husband was responsible for, creating a dispute under the Fair Debt Collection Practices Act. If a collection agency engages in abuse and violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Introduction to Debt Collection
Debt collection is a process where a debt collector or a debt collection agency attempts to recover debts from individuals or businesses that have failed to pay their obligations. Credit Adjustments Inc. is a debt collection agency that has been in operation for several decades, providing collection services to various creditors, including those with student loans. Understanding the debt collection process and the laws that govern it is essential for individuals who are being pursued by debt collectors. Knowing your rights can help you navigate interactions with debt collectors and protect yourself from potential abuses.
Is Credit Adjustments Inc. a Scam?
According to the Better Business Bureau website, Credit Adjustments Inc. has been in business for 54 years. There have been 38 complaints filed against CAI with the BBB. In one notable case, the plaintiff filed multiple claims under the Fair Debt Collection Practices Act (FDCPA), including Count III, which was ultimately dismissed.
Credit Adjustments Inc Better Business Bureau must comply with these laws when collecting debts, and individuals have the right to assert claims against the agency if it violates these laws. Such FCCPA claims often involve allegations that the debt collector failed to adhere to legal standards.
The FDCPA prohibits debt collectors from engaging in abusive, harassing, or deceptive practices, while the Florida Consumer Collection Practices Act regulates how debt collection methods must comply with consumer protection laws. FCCPA based legal arguments often highlight the complexities surrounding consumer debts and creditor communications.
Understanding these regulations can empower you to stand up against unfair practices and ensure that your rights are protected. In a specific case involving Credit Adjustments Inc., the court granted summary judgment on certain FCCPA counts IV due to a lack of evidence for willfulness or knowledge.
Federal Laws and Regulations
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are two federal laws that regulate debt collection practices. The FDCPA prohibits debt collectors from engaging in abusive, harassing, or deceptive practices, while the FCRA regulates how credit information is collected, used, and shared. Credit Adjustments Inc. must comply with these laws when collecting debts, and individuals have the right to assert claims against the agency if it violates these laws. Understanding these regulations can empower you to stand up against unfair practices and ensure that your rights are protected.
Credit Adjustments and Your Rights
As a consumer, you have the right to be treated fairly and respectfully by debt collectors. Credit Adjustments Inc. must provide you with accurate information about the debt, including the amount owed and the creditor’s name. The agency must also respect your wishes if you request that they stop contacting you. If you believe that Credit Adjustments Inc. has violated your rights, you can file a complaint with the Federal Trade Commission (FTC) or the (CFPB). Knowing your rights and how to assert them can make a significant difference in your interactions with debt collectors.
Complaints and Lawsuits
If you have a complaint against Credit Adjustments Inc., you can file a lawsuit against the agency. You may be entitled to statutory damages, attorney fees, and other compensation if the court finds that the agency has violated federal law. It is essential to consult with an attorney who specializes in debt collection law to determine the best course of action. A free case review can help you understand your legal options and determine whether you have a valid claim against Credit Adjustments Inc. Taking legal action can not only provide you with compensation but also help stop the harassment and hold the agency accountable for its actions.
Who is Credit Adjustments Inc.?
Credit Adjustments Inc. is a third-party debt collector located in Defiance, Ohio. CAI has been sued in Federal Court over 90 times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
Address: 330 Florence St
Defiance, OH 43512-2512
Phone: (866) 875-3784
Credit Adjustments Inc. is often referred to or searched for by other names. These include:
credit adjustments, credit adjustments collection agency, credit adjustments inc payments, credit adjustments inc, credit adjustments defiance ohio, credit adjustments inc defiance ohio, credit adjustment inc, credit adjustments inc manchester nh, credit adjustments inc student loans
Credit Adjustments Inc. is a debt collection agency that has been in operation for several decades, providing a full range of collection services to various creditors, including those with student loans. As one of the collection agencies regulated by federal laws, they must adhere to the Fair Debt Collections Practices Act.
Credit Adjustments Inc. is often referred to or searched for by other names. They also offer contact management solutions that combine human talent with automated methods to deliver efficient and respectful service in debt collection.
Do they threaten to take legal action or garnish wages? If you find yourself receiving multiple calls or being contacted at odd hours, it’s crucial to recognize these as potential violations and take appropriate action. In legal cases involving debt collection practices, the concept of the intended called party can affect the plaintiff’s standing under the Fair Debt Collection Practices Act (FDCPA).
Credit Adjustments Inc. uses various tactics to collect debts, including phone calls, letters, and emails, sometimes involving misleading information. Credit Adjustments Inc. must provide you with accurate information about the debt, including the amount owed and the creditor’s name. The obligation owed must be clearly established to validate the debt.
Are you receiving any harassing phone calls from any of the following numbers? If the answer is yes, then you are receiving calls from a known CAI number. The list above is not all the numbers that CAI uses. The calls can be from a different number and it still be Credit Adjustments Inc calling you. In some cases, plaintiffs have reported receiving numerous repetitive messages over a seventy-eight-day period, contributing to claims of FDCPA violations.
If you believe that Credit Adjustments Inc. has violated your rights, you can file a complaint with the Federal Trade Commission (FTC) or the (CFPB). It is also important to respond to any Summons issued by debt collectors to enhance your chances of successfully navigating debt-related legal challenges.
Credit Adjustments Inc. Collection Tactics
Credit Adjustments Inc. uses various tactics to collect debts, including phone calls, letters, and emails. The agency may also report debts to credit bureaus, which can negatively impact an individual’s credit score. In some cases, Credit Adjustments Inc. may engage in harassing phone calls, which can be a violation of federal law. It is essential for individuals to know their rights and to understand the laws that protect them from abusive debt collection practices. If you find yourself receiving multiple calls or being contacted at odd hours, it’s crucial to recognize these as potential violations and take appropriate action.
Credit Adjustments Inc. Collection Tactics
If Credit Adjustments Inc. engages in any of the following tactics, you may have a case:
- Using profanity or engaging in abusive language, which constitutes illegal debt collection practices
- Calling you before 8:00 a.m. or after 9:00 p.m., resulting in frequent telephone calls from debt collectors
- Calling you multiple times per week, which can be documented for legal actions
- Talking to others about your consumer debts, including federal student loans and other types of debts they handle
- Calling your workplace
- Threatening to sue you, harm you, or destroy your credit
- Telling you or anyone else that you’ve committed a crime
- Calling repeatedly for the wrong person. In a legal case involving Credit Adjustments Inc., the plaintiff claimed that CAI was allegedly calling about a debt her husband was responsible for.
- Failing to notify you of your right to dispute the debt. Consumer complaints often highlight allegations of abusive practices. It is crucial to document the date, time, and content of all interactions with debt collectors.
- Trying to collect more than legally allowed
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, (800) 347-9623, (866) 875-3784, (419) 782-3709, (419) 782-6838, 8003479623, 8668753784, 4197823709, 4197826838
If the answer is yes, then you are receiving calls from a known CAI number. You may be a victim of CAI phone harassment. The list above is not all the numbers that CAI uses. In a legal case, a plaintiff claimed that a debt collection agency contacted her by leaving multiple messages related to her husband’s debt, which were all directed to the same phone number. The calls can be from a different number and it still be Credit Adjustments Inc calling you. In another case, a plaintiff reported receiving numerous repetitive messages over a seventy-eight-day period, contributing to her claims of violations of the Fair Debt Collection Practices Act (FDCPA). Additionally, Credit Adjustments Inc. allegedly left thirteen messages on a plaintiff’s voicemail over a period of seventy-eight days as part of their debt collection efforts. Contact our office right away so we can start the process to stop CAI from calling you illegally. Above all, no one should live with harassment!
Common Questions
Is CAI a scam? No, Credit Adjustments Inc has been in business for 54 years.
Can Credit Adjustments Inc garnish my wages? Yes, CAI can garnish wages on a Federal Student loan or if they obtain a judgment from the courts. Wage garnishment can occur under specific conditions, and it’s important to understand your rights regarding unlawful threats of garnishment.
Can CAI sue me? Yes, CAI can sue you so long as the debt is within the statute of limitations.
Can CAI report my debt to the collections bureaus? Yes, debt collectors are allowed to place the collection account on your credit report. However, be cautious of misleading information that may be used in debt collection practices. In legal cases involving debt collection, the concept of the ‘intended called party’ can affect the plaintiff’s standing under the Fair Debt Collection Practices Act (FDCPA). It’s crucial to verify the obligation owed to establish your legal status. Consumers have the right to challenge inaccuracies related to debts marked as not paid. It’s also important to respond promptly to any Summons issued by debt collectors to enhance your chances of successfully navigating debt-related legal challenges. In some cases, a representative may leave messages inviting you to make a return call, which can be a pivotal point in legal arguments.
Can CAI arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
The following is a sample list of complaints filed against Credit Adjustments Inc. in the past year and can be found on Pacer.org.
1:16-cv-00594-PKC-VMS Ftiha v. Credit Adjustments, Inc.
0:10-cv-61009-JIC Bryant v. Credit Adjustments, Inc.
1:05-cv-01757-DFH-VSS Robey v. Credit Adjustments, Inc.
2:11-cv-11555-DML-MJH Csircsu v. Credit Adjustments, Inc.
0:13-cv-01988-DSD-TNL Belcourt v. Credit Adjustments, Inc.
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 www.consumerlawfirmcenter.com
Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“Because of a lie from a third party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
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