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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 calling 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. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.

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.

Credit Adjustments Inc Better Business Bureau

Who is Credit Adjustments Inc.?

Credit Adjustments Inc. is 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. Collection Tactics

If Credit Adjustments Inc. engages in any of the following tactics, you may have a case:

  • Using profanity or abusive language
  • Calling you before 8:00 a.m. or after 9:00 p.m.
  • Calling you multiple times per week
  • Talking to others about your debt
  • 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
  • Failing to notify you of your right to dispute the debt
  • Trying to collect more than legally allowed

Credit Adjustments Inc Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

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. The calls can be from a different number and it still be Credit Adjustments Inc calling you.  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 your wages on a Federal Student loan or if they obtain a judgment from the courts.

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

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

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.

About Us

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


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!!”

Check out the links below for more information:

Ohio Attorney General

Consumer Finance