Who is JNR Adjustment Company?
JNR Adjustment Company, Inc. is a debt collection agency that operates out of Plymouth, Minnesota, and also maintains an office in Maitland, Florida. They collect outstanding debts on behalf of their clients.
If you have an unpaid debt that has been transferred to JNR Adjustment Company, they may appear on your credit report as a collections account.
Who does JNR Adjustment Company collect for?
JNR Adjustment Company has a niche focus on check recovery, serving various businesses nationwide that typically handle significant volumes of checks. This includes retailers, airlines, restaurants, and fast-food chains.
Is JNR Adjustment Company legit or a scam?
JNR Adjustment Company, Inc. is a legitimate collection agency. They are authorized to collect debts within the legal parameters set for debt collection. However, it’s crucial to validate any debts that they claim you owe before proceeding with any payments.
How can I remove JNR Adjustment Company 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.)
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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.
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JNR Adjustment Company Contact Information
JNR Adjustment Company, Inc.
3300 Fernbrook Lane North Suite 225
Plymouth, MN 55447
JNR Adjustment Company, Inc.
P.O. Box 27070
Minneapolis, MN 55427
Phone number: (800) 279-2567
Should I contact or pay JNR Adjustment Company?
Nothing good can come from speaking to a third-party 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 JNR Adjustment Company is to work with a credit repair professional. They help remove millions of negative items every year from companies like JNR Adjustment Company, Inc. on behalf of their clients.
Will JNR Adjustment Company sue me or garnish my wages?
JNR Adjustment Company has the legal right to file a lawsuit against you for the unpaid debt. If they win the lawsuit, the court may grant them a judgment. With this judgment, they may be able to garnish your wages or levy your bank accounts to recover the owed amount, depending on the laws of your specific state.
However, keep in mind that most collection agencies prefer to avoid legal proceedings when possible, as they are costly and time-consuming. More commonly, they would rather work out a payment plan with you to gradually recover the debt.
JNR Adjustment Company 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 JNR Adjustment Company
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 JNR Adjustment Company 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.
- JNR Adjustment Company may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- JNR Adjustment Company 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.
- JNR Adjustment Company cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove JNR Adjustment Company From Your Credit Report Today!
Credit Saint can assist you in disputing JNR Adjustment Company 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.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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