AG Adjustments

Updated

Is AG Adjustments hurting your credit score?

Schedule a free credit consultation to find out how you can 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 remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

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

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

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

AG Adjustments, Ltd (AGA) Contact Information

Address:

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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with AG Adjustments, Ltd

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • AG Adjustments may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • AG Adjustments must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • AG Adjustments cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove AG Adjustments From Your Credit Report Today!

Credit Saint can assist you in disputing AG Adjustments collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.

Crediful
Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.