If you’ve spotted American Adjustment Bureau on your credit report, it likely means you have a medical debt that’s gone to collections. Here’s what to know and how to handle it.
Who Is American Adjustment Bureau?
American Adjustment Bureau, Inc. (AAB) is a debt collection agency based in Waterbury, Connecticut. Their main focus is recovering unpaid debts that have been passed along by the original creditor.
They often handle medical collections, so if you’ve fallen behind on a healthcare bill, you might see them listed on your credit report as a collection account.
Who Does American Adjustment Bureau Collect For?
American Adjustment Bureau primarily works with healthcare providers. This includes hospitals, clinics, private medical practices, and other healthcare-related businesses. Their goal is to collect overdue balances tied to medical bills or health services.
Is American Adjustment Bureau Legitimate?
Yes, American Adjustment Bureau is a legitimate debt collection company. They are legally allowed to collect debts for their clients. That said, always verify any account they claim you owe before making payments. Mistakes happen, and you have the right to confirm the debt is accurate and valid.
How to Remove American Adjustment Bureau From Your Credit Report
A collection account can lower your credit score and stay on your credit report for up to seven years, so it’s worth addressing as soon as possible. You have a few options:
- Dispute Errors: If you believe the account is inaccurate or shouldn’t be there, file a dispute with the credit bureaus. They are required to investigate and correct any incorrect information.
- Negotiate a Pay-for-Delete: Some collection agencies may agree to remove the account from your credit report if you pay the balance, though they’re not legally obligated to do so. Always get any agreement in writing.
- Work With a Credit Repair Service: Credit repair professionals can help you challenge questionable accounts and improve your credit over time.
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Should You Contact or Pay American Adjustment Bureau?
Before paying or contacting American Adjustment Bureau, make sure the debt is valid. Collection accounts sometimes contain outdated or incorrect information. Also, making a payment could reset the statute of limitations in some states, which affects how long the debt impacts you legally.
Many people choose to work with credit repair experts to handle situations like this. They know how to dispute negative items and negotiate with collection agencies.
Will American Adjustment Bureau Sue You or Garnish Your Wages?
Debt collectors can sue you if you ignore a valid debt. If they win a lawsuit and get a judgment against you, they may be able to garnish your wages, depending on your state’s laws. However, lawsuits are usually a last resort.
Common Complaints About American Adjustment Bureau
Like many collection agencies, American Adjustment Bureau has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).
The most common issues include:
- Incorrect or outdated information on credit reports
- Aggressive or harassing phone calls
- Failure to verify debts when requested
If you feel your rights have been violated, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With American Adjustment Bureau
You’re protected by federal laws, including the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Here are your key rights:
- Debt Validation: You can request written proof that the debt belongs to you and is accurate. Send a debt validation letter within 30 days of being contacted.
- Accurate Reporting: It’s illegal for a collection agency to report false or incomplete information about you.
- No Harassment: They cannot call excessively, use threatening language, or publicly shame you.
- Transparency: They must clearly state they are a debt collector and explain their purpose, both verbally and in writing.
- No False Threats: They cannot threaten arrest or legal action they don’t intend to take.
American Adjustment Bureau Contact Information
Address:
American Adjustment Bureau, Inc.
73 Field St.
Waterbury, CT 06702
Mailing Address:
PO Box 2758
Waterbury, CT 06723
Phone Number:
(866) 843-9729
Remove American Adjustment Bureau From Your Credit Report
If dealing with collection accounts feels overwhelming, help is available. Credit Saint is one of the top-rated credit repair services, helping people dispute negative accounts like those from American Adjustment Bureau.
They even offer a 90-day money-back guarantee, so there’s no risk in getting started.
For expert guidance, visit their website or call (855) 281-1510 today.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
