United Adjustment Service Debt Collection Harassment❓
Is United Adjustment Service harassing you with constant phone calls? 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 United Adjustment Service 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.
The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to compliance with both federal and state laws when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. Debt collectors cannot disclose information about a debtor’s financial situation to unauthorized third parties. The law allows consumers who have been victims of harassment from to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs. State law can offer additional protections to consumers.
Introduction to Debt Collection
Debt collection is the process by which debt collectors attempt to recover debts from consumers who have failed to pay their debts. Debt collection agencies, also known as debt collectors, use various methods to collect debts, including phone calls, letters, and emails. However, some debt collectors may engage in illegal debt collection practices, such as harassment, threats, and intimidation, which can be stressful and overwhelming for consumers.
Is United Adjustment Service a Scam❓
According to the Better Business Bureau website, they have been in business since 1980. United Adjustment Service must follow legal actions and procedures when collecting debts.
Understanding Debt Collection Practices
Debt collection practices vary depending on the debt collector and the type of debt being collected. Some debt collectors may use abusive practices, such as making excessive phone calls, using obscene language, or threatening legal action, to try to collect a debt. Other debt collectors may use more subtle methods, such as sending letters or emails, to try to collect a debt. It’s essential for consumers to understand their rights and the laws that protect them from unfair debt collection practices.
United Adjustment Service Phone Harassment Examples
If they engage in any of the following tactics, which are considered harassment under the law, 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, destroy your credit, or use illegal tactics to extract payments
- ❌ 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
These actions are a violation of the FDCPA.
Recognizing Harassment
Harassment by debt collectors can take many forms, including excessive phone calls, threats, intimidation, and abusive language. Consumers who are being harassed by debt collectors should know their rights and take action to stop the harassment. The Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA) are federal laws that protect consumers from unfair debt collection practices and harassment.
United Adjustment Service Phone Numbers
Are you receiving any harassing phone calls from this number?
- 📲 (618) 529-3812
If the answer is yes, then you are receiving calls from a known United Adjustment Services number. Consumers have the right to request that debt collectors stop calling them. You may be a victim of United Adjustment Services Collection phone harassment. The list above is not all the numbers that United Adjustment uses. The calls can be from a different number and it still be United Adjustment Service calling you. Recognizing the telephone number can help identify potential harassment. Contact our office right away so we can start the process to stop them from calling you illegally. Above all, no one should live with harassment!
Common Questions:
Are their Collection a scam❓
No, United Adjustment Service Collection has been in business since 1980.
Can they Collection seize my property❓
It can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtained a judgment against you, the debt collector may be able to take certain property as permitted by the court.
Can they sue me❓
Yes, they can sue you so long as the debt is within the statute of limitations.
Can they report my debt to the collections bureaus❓
Yes, Debt collectors are allowed to place the collection account on your credit report.
Can they 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.
Can they garnish my wages❓
Wage garnishment can occur if a court judgment has been obtained. Debt collectors must have lawfully obtained a court judgment to garnish wages.
The following is a sample list of complaints filed against United Adjustment Service and can be found on Pacer.gov.
- 📋 3:19-cv-01292-SMY Richardson v.
- 📋 3:18-cv-01036-DRH-RJD Locke v.
- 📋 3:16-cv-01086-SMY-SCW Shubert v.
- 📋 3:12-cv-01092-MJR-SCW Shadowens v.
- 📋 3:10-cv-00462-JPG-DGW Burnett v.
Knowing Your Rights
Consumers have the right to be treated fairly and respectfully by debt collectors. They have the right to dispute a debt, request verification of a debt, and stop debt collectors from contacting them. Consumers also have the right to sue debt collectors who engage in illegal debt collection practices, such as harassment, threats, and intimidation. The Federal Trade Commission (FTC) and state laws also provide protections for consumers against unfair debt collection practices.
Dealing with Debt Collectors
Dealing with debt collectors can be stressful and overwhelming, but consumers have options. They can contact a law firm that specializes in debt collection harassment, such as The Wood Law Firm, to help them stop the harassment and protect their rights. Consumers can also file complaints with regulatory agencies, such as the FTC, and report any violations of the FDCPA or TCPA. By knowing their rights and taking action, consumers can stop debt collectors from harassing them and protect their credit report and reputation.
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. Our firm has the resources to help consumers fight against debt collection harassment. Rather than suffer alone, contact our office to begin the process to stop them. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent even more harassment from United Adjustment Service, call us at for immediate assistance or visit our website.
Success Stories
- 🏆 “United Adjustment Service called me nonstop, even after I asked them to stop. Their reps were rude and threatened legal action. Consumer Rights Law Firm stepped in, proving violations of the FDCPA (calling at odd hours) and EFTA (unauthorized bank withdrawals). The firm secured a settlement where I received $500 per illegal robocall and a full refund of the unauthorized charges. The harassment ended immediately, and the debt was waived. These attorneys are lifesavers!”
- 🏆 “United Adjustment Service had falsely reported a debt on my credit report, damaging my score. Consumer Rights Law Firm helped me dispute the inaccuracy under the FCRA. They gathered evidence, communicated with credit bureaus, and even negotiated a ‘pay-for-delete’ agreement. Within weeks, the debt was removed, and my credit score improved. The firm’s knowledge of state and federal laws was incredible, they even got me compensation for the wrongful reporting. Highly recommend!”
- 🏆 “I was bombarded with daily calls from United Adjustment Service, sometimes before 8 a.m. and even at work. They threatened to garnish my wages and left vague, pre-recorded messages. I reached out to Consumer Rights Law Firm, and they immediately sent a cease-and-desist letter. Not only did the harassment stop, but the firm also filed a claim under the FDCPA and TCPA for illegal robocalls. I received $1,000 in damages, and United Adjustment Service had to cover all legal fees. The best part? I didn’t pay a dime for their services!”
