AG Adjustments


Is AG Adjustments hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is AG Adjustments?

A. G. Adjustments, Ltd. (AGA) is a commercial debt collection agency based in Melville, New York. They are involved in retrieving unpaid commercial debts.

If AGA appears on your credit report as a collections account, it typically signifies an outstanding commercial debt associated with your business that has been handed over to them for collection.

Who does AG Adjustments collect for?

AG Adjustments primarily assists original creditors in recovering past due debts. Given their focus on commercial debt collection, these creditors are likely businesses that have provided goods or services to other businesses on credit.

Is AG Adjustments legit or a scam?

AG Adjustments, Ltd is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove AG Adjustments from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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AG Adjustments, Ltd (AGA) Contact Information


AG Adjustments, Ltd
740 Walt Whitman Rd
Melville, NY 11747-2212

Mailing address:

AG Adjustments, Ltd
PO Box 9090
Melville, NY 11747

Phone number: (631) 425-8800 or (888) 496-1600

Should I contact or pay AG Adjustments?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with AG Adjustments is to work with a credit repair professional. They help remove millions of negative items every year from companies like AG Adjustments on behalf of their clients.

Will AG Adjustments sue me or garnish my wages?

While any debt collection agency, including AG Adjustments, has the legal right to initiate a lawsuit for the recovery of debts, this is generally considered a last resort. Legal proceedings can be time-consuming, costly, and there’s no guarantee of successful debt recovery.

Prior to legal action, AG Adjustments will likely make multiple attempts to collect the debt using methods like phone calls, letters, or proposing a payment plan. If these efforts are not successful and the agency decides to sue, they could potentially garnish your wages or place a lien on your property if they win the lawsuit, subject to the laws of your state.

AG Adjustments, Ltd Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with AG Adjustments, Ltd

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for AG Adjustments to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • AG Adjustments cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • AG Adjustments must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • AG Adjustments cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove AG Adjustments From Your Credit Report Today!

Credit Saint can help you dispute AG Adjustments collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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