Who is Knight Adjustment Bureau?
Knight Adjustment Bureau is a debt collection agency based in Salt Lake City, Utah. Their primary function is to recover unpaid debts on behalf of original creditors.
If you have an unpaid bill, your debt may be transferred or sold to a company like Knight Adjustment Bureau, which could lead to them appearing on your credit report as a collection account.
Who does Knight Adjustment Bureau collect for?
Knight Adjustment Bureau collects debts for various entities, including student loan providers and financial institutions like Mountain America Credit Union.
When these organizations have difficulty getting their customers to pay their bills, they may employ a company like Knight Adjustment Bureau to handle the debt recovery process.
Is Knight Adjustment Bureau legit or a scam?
Knight Adjustment Bureau is a legitimate company. They are authorized to collect debts on behalf of their clients. However, if you’re contacted by them about a debt, it’s important to verify the debt before making any payments.
How can I remove Knight Adjustment Bureau from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Knight Adjustment Bureau Contact Information
Address:
Knight Adjustment Bureau
5525 S 900 E Ste # 215
Salt Lake City, UT 84117
Phone number: 801-531-7251 or 800-748-4113
Should I contact or pay Knight 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 Credit reports can contain errors or list debts that are no longer valid.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 a collection agency like Knight Adjustment Bureau is to work with a credit repair professional. They help remove millions of negative items every year from companies like Knight Adjustment Bureau on behalf of their clients.
Will Knight Adjustment Bureau sue me or garnish my wages?
Knight Adjustment Bureau, like any debt collection agency, has the legal right to sue you for an unpaid debt. If they win a judgment against you in court, they may be able to garnish your wages, levy your bank account, or employ other legal methods to recover the debt, depending on the laws in your specific jurisdiction.
However, it’s important to note that not every debt collection agency will choose to sue. The process of going to court is often expensive and time-consuming, so it’s usually a last resort for debt collectors. Additionally, not all debts are eligible for these actions.
Knight Adjustment Bureau Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 Knight Adjustment Bureau
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 Knight Adjustment Bureau 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.
- Knight Adjustment Bureau cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Knight 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.
- Knight Adjustment Bureau cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Knight Adjustment Bureau From Your Credit Report Today!
Credit Saint offers assistance with disputing Knight Adjustment Bureau collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
