Who is American Adjustment Bureau?
American Adjustment Bureau, Inc. (AAB) is a debt collection agency located in Waterbury, Connecticut. They primarily focus on collecting debts that have been forwarded by original creditors who haven’t received payment for their services.
You may see American Adjustment Bureau listed on your credit report as a collections account, especially if you have an unpaid bill that’s been handed over to them.
Who does American Adjustment Bureau collect for?
American Adjustment Bureau primarily provides collection services for healthcare providers. This could include hospitals, clinics, private practices, and other healthcare-related entities. They specialize in recovering delinquent accounts related to medical bills and health services.
Is American Adjustment Bureau legit or a scam?
American Adjustment Bureau, Inc. 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 American Adjustment Bureau from my credit report?
American Adjustment Bureau 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.)
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American Adjustment Bureau, Inc. Contact Information
American Adjustment Bureau, Inc.
73 Field St.
Waterbury, CT 06702
American Adjustment Bureau, Inc.
PO Box 2758
Waterbury, CT 06723
Phone number: (866) 843-9729
Should I contact or pay American Adjustment Bureau?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with American Adjustment Bureau is to work with a credit repair professional. They help remove millions of negative items every year from companies like American Adjustment Bureau, Inc. on behalf of their clients.
Will American Adjustment Bureau sue me or garnish my wages?
American Adjustment Bureau, like other collection agencies, is entitled to sue you if you fail to pay a debt. If they obtain a judgment against you, they could potentially garnish your wages, depending on the laws in your specific jurisdiction. However, initiating a lawsuit is typically a last resort for debt collectors.
American Adjustment Bureau, Inc. 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 collection agency is harassing you, you should 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 American Adjustment Bureau, Inc.
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 American Adjustment Bureau, Inc 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.
- American Adjustment Bureau, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- American Adjustment Bureau 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.
- American Adjustment Bureau cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove American Adjustment Bureau From Your Credit Report Today!
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If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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