American Adjustment Bureau


Is American Adjustment Bureau hurting your credit score?

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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.

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

Ready to Raise Your Credit Score?

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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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American Adjustment Bureau, Inc. Contact Information


American Adjustment Bureau, Inc.
73 Field St.
Waterbury, CT 06702

Mailing address:

American Adjustment Bureau, Inc.
PO Box 2758
Waterbury, CT 06723

Phone number: (866) 843-9729

Should I contact or pay American Adjustment Bureau?

Before contacting a collection agency, 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 Credit reports can contain errors or list debts that are no longer valid.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 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

Many collection agencies have numerous complaints filed 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with American Adjustment Bureau, Inc.

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 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • American Adjustment Bureau, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • American Adjustment Bureau 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.
  • American Adjustment Bureau cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove American Adjustment Bureau From Your Credit Report Today!

Credit Saint can help you dispute American Adjustment Bureau 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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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.