Stop United Adjustment Services Harassment

If United Adjustment Services has contacted you by phone, mail, or voicemail, treat it like a verification task, not a payment emergency. The safest next step is to request the account details in writing and compare the creditor name, amount, and dates to your own statements or records before you answer questions or share personal information. If you believe the call is for the wrong person, the balance looks off, or the pressure feels excessive, save every voicemail, letter, and call-log screenshot so you have a clear timeline of what happened.

Table of Contents

• Who Is United Adjustment Services? Company Overview
• Why United Adjustment Services May Be Calling You
• Understanding why United Adjustment Services Debt Collection reached out
• What United Adjustment Services Says They Do
• United Adjustment Services Contact Details
• What Harassment Can Look Like
• When United Adjustment Services Goes Too Far
• What To Do If United Adjustment Services Talks About Legal Action
• If the United Adjustment Services Debt Is Real
• Your Rights Under Federal Law 
• How to Stop United Adjustment Services Calls and Messages
• Reviews and Complaints
• Getting Help With United Adjustment Services
• Success Stories
• Final Thoughts 
• FAQs

Who Is United Adjustment Services? Company Overview

United Adjustment Services is a name used by debt collection agencies, and it may refer to different companies depending on the notice you received. You may see “United Adjustment Service Inc” connected to Carbondale, Illinois, and you may also see a separate BBB profile in Louisville, Kentucky listing a collections agency with an A+ rating and services like medical and dental collections, utility recovery, and commercial collections. Because the names are similar, the safest way to confirm who is contacting you is to match the exact business name, address, phone number, and your letter’s reference number before sharing personal details.

Quick ID check before you respond

Caller ID is not a reliable identity test. If you believe the contact might be a scammer using a real business name, treat the caller as unverified until you confirm details from a written notice or a reputable directory listing.

Why United Adjustment Services Contacts You

United Adjustment Services Debt Collection contact may happen because a creditor, medical provider, utility, business, or other service provider says you owe a balance and has assigned the account to a third party to contact you about resolving it. Public business profiles and BBB listings describe debt collection services that can include categories like medical collections, bad check recovery, and utility-related recovery.

You might also hear from them if:

• Your account was placed with a third-party collector after internal billing efforts did not resolve it.
• The balance reflects interest, fees, or adjustments you have not seen itemized.
• A wrong-person or data-mismatch issue is involved, such as an old phone number now tied to you.

If you do not recognize the creditor name or the amount, that could indicate a mismatch or billing dispute. Your goal is to verify the claim in writing before you react.

Understanding why United Adjustment Services reached out

If United Adjustment Services is calling, treat it like a paperwork problem first. Your goal is to confirm who the creditor is, what account they’re talking about, and what the balance includes, in writing, before you say yes to anything.

Step 1: Don’t pick up unknown numbers

Let the call go to voicemail. Save the voicemail file and screenshot your call log. If you believe the calls keep happening, a pattern is easier to prove than a single call.

Step 2: Use one sentence to shift everything to mail

Say: “Send me the details in writing.”
If you think it’s the wrong person, say: “I believe you may have the wrong person. Send a written verification.”

Step 3: Don’t confirm personal or payment info yet

Until you receive paperwork that matches your records, avoid sharing your full SSN, bank info, employer details, or card numbers. If someone pushes for immediate payment without written details, that could be a red flag.

Step 4: Keep a tight contact log

Write down:

• Date/time and number used
• Name the caller gave
• What they demanded or claimed
• Any mention of “lawsuit,” “garnishment,” “served papers,” or deadlines

Step 5: Request a specific “proof packet” in writing

Ask United Adjustment Services to provide:

• Current creditor name (and original creditor if different)
• Total amount with an itemized breakdown (fees/interest)
• Key dates (placement date, last payment date if available)
• Account/reference number
• Dispute mailing address and instructions

If they won’t provide clear written information, it may be safer to pause instead of paying just to make calls stop.

What United Adjustment Services Collections say they do

United Adjustment Services Collections descriptions vary by listing, but the company website associated with the name advertises collection services across categories such as medical accounts receivable, utility collections, bad check collections, commercial collections, and rental-property related collections. The same site includes a consumer-facing contact page with phone, mailing address, and email.

Public BBB listings also describe debt collection services and list product/service categories that include medical and dental collections, utility debt recovery, business debt collection, and related categories.
The key point for consumers is practical: you want written proof of the creditor, amount, and dates tied to your specific account before you discuss settlement or payment.

United Adjustment Services Phone Number and contact information

Use the phone number and mailing address printed on your letter first. If you need a cross-check, the following information appears in public sources. Because more than one listing exists under similar names, you should match what you see here to the address and details on your notice.

What United Adjustment Services Harassment can look like

United Adjustment Services Harassment is usually about patterns, not one call. If you believe the contact feels excessive, confusing, or designed to pressure you without clear documentation, focus on recording facts you can prove.

Examples that could indicate a problem, depending on the facts:

• Repeated calls about the same alleged debt in a short period
• Calls continuing after you clearly request mail-only communication
• Statements implying immediate legal consequences without providing case details
• Continuing contact after you dispute that the debt is yours
• Pressure to pay immediately before you can review written terms

Call-frequency guidance

Regulation F includes call-frequency presumptions tied to a particular debt. In general, calling more than seven times within seven consecutive days about a specific debt, or calling again within seven days after a telephone conversation about that debt, can trigger a presumption (with exclusions and fact-specific nuances).
If your call log reflects that type of pattern, keep screenshots and voicemail files.

When United Adjustment Services Goes Too Far

Only a court or regulator can decide whether conduct is unlawful. Still, if you believe United Adjustment Services used misleading statements, improper threats, or repeated calls designed to harass, that could potentially raise issues under federal consumer protection laws depending on who is calling and why.

Red flags that may matter:

• Threat language without specifics: “You will be sued tomorrow” without a court name, plaintiff, or case number could indicate pressure rather than verified litigation.
• Conflicting account details: Different creditor names, changing amounts, or refusal to give itemization can be a sign to pause.
• Third-party disclosures: If you believe a caller discussed the alleged debt with coworkers, relatives, or neighbors, that could potentially be a compliance issue in some situations.
• Demanding sensitive data up front: Requests for full SSN or bank details before providing written information could indicate risk.

If any of this happens, your best leverage is documentation: save the envelope, notice, and a timeline of contacts.

What To Do If United Adjustment Services Talks About Legal Action

If someone mentions “lawsuit,” “judgment,” or “garnishment,” treat that as a reason to slow down and demand specifics. Phone pressure is not proof of a lawsuit. Court papers are.

What to do right away

• Ask for the court name, case number, and the name of the plaintiff.
• Request the information in writing.
• If you receive real court documents, respond by the deadline. Ignoring service paperwork could lead to a default judgment.

A public example you may see online

Public court records show at least one older federal case involving “United Adjustment Service” in the Southern District of Illinois that ended in a stipulated dismissal with prejudice after the parties advised the court it was settled.
A lawsuit record is not proof your situation involves wrongdoing, but it is a reminder to treat “legal action” claims carefully and verify paperwork.

What to do if the account is legitimate

If the notice matches your records and you decide the debt is legitimate, treat payment as a controlled process, not a phone negotiation.

United Adjustment Services Payment: how to pay safely

United Adjustment Services Payment decisions should follow written terms. Before you pay:

• Get the payoff or settlement terms in writing (amount, due date, and what happens if you miss a date).
• Use payment instructions from your letter or a verified, reputable source.
• Keep receipts, confirmation numbers, and screenshots in one folder.
• Make “paid in full” vs “settled” language clear in writing.

If you cannot get terms in writing, it may be safer to pause and get advice before sending money.

Your rights under federal law

If you believe collection contact crossed the line, several federal laws may matter. Coverage can depend on whether the caller is a “debt collector” under the FDCPA and what type of account is involved.

FDCPA validation information and disputes

The Fair Debt Collection Practices Act (FDCPA) requires a debt collector to provide key written information, and it gives consumers a window to dispute the debt in writing. Under 15 U.S.C. 1692g, the notice includes statements about disputing within 30 days and requesting verification.

FDCPA cease-communication requests

If you notify a debt collector in writing that you refuse to pay or want them to cease further communication, the law limits further contact with specific exceptions.
This can reduce calls, but it could also prompt the creditor or collector to consider other steps, so it is often best used with a plan.

Regulation F call-frequency presumptions

Regulation F details presumptions connected to call frequency for a particular debt.
If you believe contact volume is excessive, your call log is your evidence.

Credit reporting disputes and the FCRA

If the account appears on your credit report and you believe it is inaccurate, the Fair Credit Reporting Act (FCRA) outlines a reinvestigation process and timelines, including a 30-day period that can be extended in certain circumstances.
Keep copies of disputes and screenshots before and after changes.

How to Stop United Adjustment Services Calls and Messages

To reduce contact, your goal is to control the channel and create a paper trail.

A practical sequence that often helps

1. Stop debating on the phone. Use: “Please send the details in writing.”
2. Send a short written request for creditor name, itemization, account reference, and dispute instructions.
3. If calls continue and you believe it is excessive, consider a written request for communication in writing only.
4. If you think the debt is wrong or not yours, dispute it in writing and request verification.

Build a single evidence folder

Save:

• Call log screenshots and voicemails
• Letters and envelopes
• Copies of what you mail or email
• Certified mail receipts if used
• Payment receipts and settlement letters if you pay

If you later need help, this file makes your story clear.

Reviews and where complaints show up

If you are researching United Adjustment Services, start with reputable directories and public profiles, then compare them to your notice.

• The Better Business Bureau Carbondale profile shows an “A” rating and notes a reason for rating that includes “1 complaint(s) filed against business that were not resolved,” along with business-start and entity information.
• The BBB Louisville profile shows accreditation and an A+ rating, and lists products and services categories and payment methods (cash, check, credit card, debit card, ACH, money order).

Reviews are consumer statements, not proven violations. Use them as signals to document carefully, not as proof.

Get Harassment Help With United Adjustment Services Calls and Messages

If you believe repeated contact is escalating, the details do not match your records, or credit reporting is involved, a consumer-rights law firm may help you respond with a structured plan that prioritizes written proof and deadlines.

Consumer Rights Law Firm PLLC

Consumer Rights Law Firm PLLC focuses on consumer protection matters involving the FDCPA, FCRA, and TCPA. The firm may review letters, call logs, and credit reports, then help you organize a clear timeline and decide whether disputes, complaints, or other steps make sense based on your documentation.

If you want fewer calls and more clarity, the firm can help you move the matter into writing, avoid oversharing on the phone, and respond appropriately if court papers or reporting issues appear.

Success stories

Consumer Rights Law Firm is amazing! Derek was A+ all the way getting a Debtor to stop harassing me & even had them pay the court costs & fees! I am flabbergasted- had to pinch myself even!!! Thank you SO much Derek! Would most definitely recommend this firm to anyone who is going through the same thing. Give them a call!

Did not know what to do about constant collecting phone calls . Made one phone call to Matthew Gazda and he handle everything for me. Now I have no more calls . Just a job well done on his behalf. Thank you

Conclusion

Dealing with collection contact can feel urgent, but your best advantage is control. Move the situation into writing, verify the creditor and amount, keep a clean evidence file, and respond to real court paperwork on time. If you believe United Adjustment Services contact may be excessive, misleading, or simply wrong, consider getting help before you guess.

FAQs About United Adjustment Services

Why is United Adjustment Services calling me?

They may be contacting you about an alleged balance a business says you owe. Ask for written details and itemization, then compare them to your records before discussing payment.

What is the safest way to call back?

Use the number printed on your letter first, not caller ID. If you need a cross-check, verify the address and number on a reputable public listing before you share details.

What should I request in writing?

Ask for the creditor name, total amount, itemized breakdown, key dates, and the account reference number. Written details help you spot wrong-person or wrong-amount issues.

What if I think the debt is not mine?

State in writing that you believe you are the wrong person and request verification. Stop sharing personal information by phone until the documents clearly match you.

What if the calls feel nonstop?

Save call logs and voicemails and request communication in writing. If you believe the pattern is excessive, keep the evidence and consider legal advice.

Can they sue me?

A collector may discuss legal action, but a phone statement is not proof. If you receive court papers, verify the court and respond by the deadline to avoid a default.

How do I know if the caller is a scammer?

Be cautious if they refuse a mailing address, demand immediate payment, or request unusual methods. Verify identity through written notices and reputable published contact details.

Can this affect my credit report?

It could, depending on the account and reporting. If you believe a tradeline is inaccurate, dispute it with the credit bureaus and keep copies and screenshots.

How do I pay safely if I decide to pay?

Pay only after you receive written terms that match your records. Use official instructions, keep receipts, and make “paid in full” versus “settled” language clear in writing.

How can Consumer Rights Law Firm PLLC help?

They may review your letters, call logs, and credit reporting, then help you plan disputes or next steps if you believe conduct could violate consumer protection laws.