Diversified Adjustment Service is a debt collection agency based in Coon Rapids, Minnesota that works to recover debts on behalf of businesses and lenders. If you’re facing excessive calls from Diversified Adjustment Service, these actions could constitute harassment under the Fair Debt Collection Practices Act (FDCPA).
The company has received over 77 complaints with the Better Business Bureau and has faced numerous federal lawsuits for violating consumer rights. Understanding your legal rights is crucial to protecting yourself and stopping aggressive tactics.
What Is Diversified Adjustment Service
Diversified Adjustment Service is a debt collection agency that works to recover debts on behalf of businesses and lenders. Debt collection is a lawful process where a company seeks to recover unpaid debts from individuals. However, collection agencies must operate within the limits of the law. Some agencies, including this one, have been accused of going beyond these boundaries.
Debt collection harassment occurs when collectors use aggressive, abusive, or unethical practices to intimidate debtors into making payments. If you’re facing harassment from Diversified Adjustment Service, you must act quickly. These actions can affect your emotional and mental well-being and could be illegal under laws like the FDCPA and the Telephone Consumer Protection Act (TCPA).
Recognizing Diversified Adjustment Service Phone Harassment
It’s important to distinguish between legitimate debt collection and harassment. Here are tell-tale signs that the calls you’re receiving from Diversified Adjustment Service could be crossing the line:
- Repeated calls at inappropriate hours: Collectors are not allowed to call before 8 a.m. or after 9 p.m. If Diversified Adjustment Service calls you outside these hours, this violates your rights under federal law.
- Threatening language: If the debt collector threatens legal action, wage garnishment, or jail time, they may be engaging in illegal behavior. The FDCPA prohibits any threats of violence or harm.
- Harassment through frequency: Receiving constant calls, often multiple times daily, could qualify as harassment. Courts have found that 7 or more calls per day may be excessive. The FDCPA prohibits excessive calling.
- Failing to provide proper documentation: Debt collectors must provide proof of the debt they’re collecting. If Diversified Adjustment Service refuses to send written evidence of the debt, this could be a red flag that the debt is either non-existent or fabricated.
- If these tactics sound familiar, you could be a victim of Diversified Adjustment Service phone harassment. Remember, federal laws protect you from these practices, and you can report such harassment to the authorities or take legal action through The Wood Law Firm.
Spotting Debt Collection Scams
In some cases, scammers may impersonate legitimate companies like Diversified Adjustment Service to trick people into paying debts they don’t owe. It’s essential to distinguish between a legitimate collection agency and a scam. Here’s how to recognize a scam:
Pressure to pay immediately: Scammers often insist on immediate payment, creating a false sense of urgency.
Lack of official documentation: If they refuse to send you written proof of the debt, you should be suspicious. Always ask for documentation and verify the debt with the original creditor.
Asking for personal financial information: Scammers might ask for your bank account details or Social Security number. A legitimate debt collector should already have this information, so never share it over the phone.
Threats of jail or legal action: While some debt collectors might sue over unpaid debts, threats of jail time are illegal and a classic sign of a scam.
If you suspect that someone posing as Diversified Adjustment Service is trying to scam you, don’t give them any personal information. Hang up and research the phone number. You can also check your credit report to confirm whether you owe the debt they claim.
Is Diversified Adjustment Service Legitimate
Yes, Diversified Adjustment Service is a legitimate debt collection agency with over 39 years of experience in the industry. They work with various businesses to recover unpaid debts from consumers. However, just because they’re legitimate doesn’t mean they’re always ethical.
Diversified Adjustment Service has been the subject of over 77 complaints with the Better Business Bureau and has faced numerous lawsuits for violating consumers’ rights. These lawsuits often center on Diversified Adjustment Service debt collection harassment. Some of these claims involve frequent, harassing phone calls to consumers that violate federal laws.
If debt collectors are harassing you, it’s essential to document these calls and contact The Wood Law Firm at +1 844-638-1122 to discuss your options.
Understanding Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from abusive and unfair debt collection practices. Understanding your rights under the FDCPA is crucial in safeguarding yourself from debt collection harassment.
Key rights you should be aware of:
Identification: Debt collectors must identify themselves and the company they represent when contacting you. This transparency helps you verify the legitimacy of the call.
Time Restrictions: Debt collectors can only contact you between 8 a.m. and 9 p.m., unless you agree to a different time. Calls outside these hours violate your rights.
Workplace Contact: Debt collectors cannot contact you at work if you’ve informed them not to. This ensures your professional environment remains undisturbed.
Third-Party Contact: Debt collectors cannot discuss your debt with family, friends, or your employer, except to verify your address or phone number. This protects your privacy.
Communication Conduct: Debt collectors cannot use abusive or threatening language when communicating with you. Respectful communication is mandated by law.
Written Notice: Debt collectors must provide you with a written notice of the debt, including the amount, the creditor, and a statement that you have 30 days to dispute the debt.
If Diversified Adjustment Service has violated any of these rights, you can report them to the Federal Trade Commission (FTC) or seek legal assistance from The Wood Law Firm.
Diversified Adjustment Service Contact Information
If you need to contact Diversified Adjustment Service, here is their contact information:
- Address: 600 Coon Rapids Blvd. NW, Coon Rapids, MN 55433
- Phone Number: 800-279-3733
You should only contact them if you have a legitimate reason to do so, such as disputing a debt or requesting a payment plan. If you’re experiencing debt collection harassment, seeking legal assistance or reporting the company to the FTC is best. Protecting your rights and ensuring fair treatment is paramount.
Legal Recourse Against Diversified Adjustment Service Harassment
If you’re experiencing debt collection harassment from Diversified Adjustment Service, you have options. The FDCPA and the TCPA provide strong protections against unlawful debt collection practices.
Here’s what you should do if Diversified Adjustment Service has violated your rights:
Document Everything
Record every phone call, including the date, time, and what was said. If you receive any written communication, save those documents as well. Essential information to document includes:
- Date and time of each call
- Duration of the conversation
- Name of the representative
- Phone number used to contact you
- Specific threats or aggressive language
- Any claims about legal action or wage garnishment
Send a Cease and Desist Letter
Under the FDCPA, you can request that Diversified Adjustment Service stop contacting you. Sending a cease and desist letter requires the collector to stop calling except to notify you about a lawsuit or other formal action. The Wood Law Firm can help you draft an effective cease and desist letter.
Contact an Attorney
If you’re unsure whether debt collectors have violated your rights, contact an attorney. The Wood Law Firm specializes in helping consumers fight back against harassment. They can help determine if you have a case against Diversified Adjustment Service and guide you through the legal process. You may be entitled to up to $1,000 in statutory damages per violation, with attorney fees paid by the collector.
File a Complaint
You can report Diversified Adjustment Service to the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), or your state attorney general’s office. These agencies take complaints seriously and can investigate patterns of abuse.
The Wood Law Firm can offer guidance and support if you need clarification on your legal rights. Call them at +1 844-638-1122 to discuss your case. They provide free consultations and can help you determine the best course of action.
Federal Lawsuits Against Diversified Adjustment Service
To better understand Diversified Adjustment Service’s reputation, it’s helpful to look at reviews and past legal actions taken against the company. On websites like the BBB and Consumer Affairs, reviews are often critical, with many consumers complaining about aggressive collection tactics and violations of their rights.
The company has faced multiple lawsuits in federal court for violations of the FDCPA. These cases often involve allegations of phone harassment, failure to provide proper debt validation, and the use of unethical collection tactics.
Notable lawsuits against Diversified Adjustment Service include:
Herring v. Diversified Adjustment Service Inc.: The plaintiff alleged that Diversified Adjustment Service repeatedly called them despite requests to stop, amounting to harassment under the FDCPA.
Adams v. Diversified Adjustment Service Inc.: This lawsuit involved allegations that Diversified Adjustment Service used threatening language and excessive calls to intimidate the consumer into paying a debt.
These cases demonstrate that consumers are taking action against harassment and abuse. You can join these efforts by asserting your rights with help from The Wood Law Firm.
Protecting Yourself From Diversified Adjustment Service
Knowing your rights is the first step toward regaining control. Don’t let aggressive debt collection tactics affect your quality of life.
Request Written Debt Validation
Don’t rely on phone conversations alone. Always request written documentation of the debt and verify its accuracy. Keep records of all correspondence, including the dates and times of phone calls. Documentation is crucial if the situation escalates to legal action or further disputes.
Under the Fair Credit Reporting Act, you have the right to dispute any inaccurate information on your credit report. The Wood Law Firm can help you navigate this process if Diversified Adjustment Service reports inaccurate information.
Don’t Provide Personal Information Over the Phone
Legitimate debt collectors should already have your details. If they ask for your Social Security number or bank account information, it may be a scam. Always be cautious and never provide sensitive information to someone you’re unsure of. Scammers often prey on vulnerable individuals, making it essential to protect your data.
Stay Calm and Assertive
Don’t let aggressive tactics pressure you into making rash decisions. You have the right to dispute any debt or request a payment plan that fits your financial situation. Being assertive in your communication can prevent you from feeling overwhelmed or intimidated by persistent debt collectors.
If you’re unsure how to handle Diversified Adjustment Service, don’t hesitate to seek legal assistance. The Wood Law Firm can help you take action to stop harassment and potentially recover damages. They understand the tactics employed by debt collectors and can provide the legal expertise you need.
Removing Diversified Adjustment Service From Your Credit Report
If you’ve paid off a debt or disputed a debt with Diversified Adjustment Service, you may want to remove their information from your credit report. Here are the steps you can take:
- Request a Debt Validation Letter: Contact Diversified Adjustment Service and request a debt validation letter. This letter should include the amount of the debt, the creditor, and a statement that you have 30 days to dispute the debt.
- Review the Debt Validation Letter: Carefully review the letter to ensure that the information is accurate. Note any discrepancies.
- Dispute Inaccurate Information: If the information is inaccurate, dispute the debt with Diversified Adjustment Service and request that they remove the incorrect information from your credit report.
- Update Paid Debts: If the information is accurate but you’ve paid off the debt, request that Diversified Adjustment Service update your credit report to reflect the paid status.
- Seek Legal Assistance if Necessary: If Diversified Adjustment Service refuses to remove their information from your credit report, you can file a complaint with the FTC or seek legal assistance from The Wood Law Firm.
Always keep records of your correspondence with Diversified Adjustment Service, including dates, times, and details of conversations. This documentation can be invaluable if you need to dispute a debt or report the company to the FTC.
About The Wood Law Firm
At The Wood Law Firm, our mission is simple: to protect consumers from predatory practices and ensure they receive the fair treatment they deserve. We specialize in cases involving the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA). For over a decade, we have fought tirelessly to hold companies accountable and to secure justice for our clients.
Choosing The Wood Law Firm means partnering with a team that is deeply committed to your cause. We understand the stress and frustration that comes with facing unfair consumer practices, and we are here to stand by your side every step of the way. Our personalized approach, combined with our extensive experience and national reach, makes us uniquely equipped to handle your consumer protection needs.
The Wood Law Firm has cultivated strong Of Counsel relationships with attorneys licensed in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia.
About Attorney Jeff Wood
Jeff Wood is an accomplished attorney based in Arkansas, where he is fully licensed to practice law. With over 15 years of experience, Mr. Wood specializes in consumer protection, focusing on cases involving the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA).
Mr. Wood has recovered millions of dollars for consumers facing illegal debt collection practices, including cases against Diversified Adjustment Service. His commitment to consumer rights and extensive litigation experience make him a formidable advocate against abusive collectors.
Success Stories From Real Clients
Case 1: Excessive Calling Violation Results in $8,900 Settlement A Minnesota consumer received 10 to 12 calls daily from Diversified Adjustment Service over a four-week period, including calls before 8 a.m. and after 9 p.m. The constant harassment caused severe anxiety and disrupted her family life. The Wood Law Firm documented the violations with phone records and filed an FDCPA lawsuit. Diversified Adjustment Service settled for $8,900 plus full debt forgiveness within 60 days of our initial consultation. The collector paid all attorney fees separately.
Case 2: Workplace Contact Violation Brings $9,500 Recovery A Wisconsin resident informed Diversified Adjustment Service that his employer prohibited personal calls at work. Despite this, the collector continued calling his workplace multiple times per week for three weeks, nearly costing him his job. The Wood Law Firm proved these workplace contact violations breached the FDCPA. Diversified Adjustment Service settled for $9,500, removed the debt from credit reports, and agreed to cease all collection efforts. Our client received the full settlement amount as the collector paid our legal fees separately.
Frequently Asked Questions
Is Diversified Adjustment Service a scam?
No, Diversified Adjustment Service is a legitimate debt collection agency with over 39 years of experience. However, they have received over 77 BBB complaints and faced numerous federal lawsuits for aggressive collection practices that could violate the FDCPA.
What are the signs of Diversified Adjustment Service harassment?
Signs include repeated calls (7 or more per day may be excessive), threats of lawsuits or jail time, calls before 8 a.m. or after 9 p.m., contacting your workplace after being told to stop, and refusing to provide written debt validation.
Where is Diversified Adjustment Service located?
Diversified Adjustment Service is headquartered at 600 Coon Rapids Blvd. NW, Coon Rapids, MN 55433. Their main phone number is 800-279-3733.
Can Diversified Adjustment Service garnish my wages?
They can only garnish wages after winning a court judgment through proper legal procedures or when collecting certain government-backed debts like federal student loans. Threatening wage garnishment without a judgment could violate the FDCPA.
How do I stop harassment from Diversified Adjustment Service?
Keep detailed records of all communication, request debt validation in writing, send a cease and desist letter via certified mail, and contact The Wood Law Firm at +1 844-638-1122 for legal help if harassment continues.
What should I do if Diversified Adjustment Service calls me at work?
Inform them that your employer prohibits personal calls at work. If they continue calling after you’ve told them to stop, this violates the FDCPA and you may take legal action. Document all workplace calls.
Can Diversified Adjustment Service discuss my debt with others?
No. Debt collectors cannot share your debt details with family, friends, or employers except to verify your address or phone number. Discussing your debt with third parties violates the FDCPA.
What are the most common complaints against Diversified Adjustment Service?
Consumers report excessive harassment calls, threats of legal action they cannot take, failure to provide debt validation, calls at inappropriate hours, and continuing to call after being told to stop.
Can I dispute a debt with Diversified Adjustment Service?
Yes, you have the right to request written verification of the debt within 30 days of their first contact. They must cease collection efforts until they provide proper validation. The Wood Law Firm can help you draft proper dispute letters.
What laws protect me from Diversified Adjustment Service harassment?
The Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA) protect you from abusive, unfair, or deceptive debt collection practices. You may be entitled to up to $1,000 in statutory damages per FDCPA violation.
Take Action Against Diversified Adjustment Service Today
While debt collection is legal, harassment is not, and you don’t have to face it alone. Whether you’re dealing with frequent calls, threatening language, or failure to provide proper documentation, the law is on your side.
If you’re tired of dealing with harassment from Diversified Adjustment Service or simply want to ensure you’re handling your debt situation legally and responsibly, reach out to The Wood Law Firm. Contact us today at +1 844-638-1122 for a free consultation. Our experienced consumer protection attorneys will evaluate your case, explain your options, and fight for the compensation you deserve. We handle all cases on contingency, meaning you pay nothing unless we win.
Don’t let Diversified Adjustment Service continue to violate your rights. Protect yourself and seek the justice you deserve.
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