Tired of facing harassment from debt collection agencies like Diversified Adjustment Service? If this debt collector is bombarding you with excessive calls, it’s essential to understand your legal rights. Facing constant calls about debt, especially if you’re unsure whether it’s valid, can be overwhelming. That’s why learning how to protect yourself and your peace of mind is crucial.
Dealing with debt collection harassment can be stressful, but it’s essential to recognize that you have the power to stop calling these aggressive tactics, thanks to federal laws such as the Fair Debt Collection Practices Act (FDCPA). This guide will walk you through how to identify whether you’re dealing with legitimate DAS debt collectors, how to spot scammers, and what steps to take:
What is Diversified Adjustment Service Debt Collection?
DAS is a debt collection agency based in Coon Rapids, MN, 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, have been accused of going beyond these boundaries, resulting in what is known as debt collection harassment.
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 might 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 some tell-tale signs that the calls you’re receiving from Diversified Adjustment Service debt collectors may 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 this Service calls you outside these hours, it violates your rights.
- ➜ Threatening language: If the debt collector threatens legal action, wage garnishment, or jail time, they may engage 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. The FDCPA prohibits DAS from calling excessively.
- ➜ Failing to provide proper documentation: Debt collectors must provide proof of the debt they’re collecting. If this 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.
Spotting Debt Collection Scams
In some cases, scammers may impersonate legitimate companies like DAS debt collection agency 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: You should be suspicious if they refuse to send you written proof of the debt. 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 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 DAS debt collection agency 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.
If you are facing harassment, legal assistance can not only stop the harassment but also potentially provide debt relief and improve your credit report.
Is Diversified Adjustment Service a Scam?
No, this 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. DAS has been the subject of over 77 complaints with the Better Business Bureau (BBB) 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 violating federal laws. If debt collectors harass you, it’s essential to document these calls and contact a legal professional 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 Fair Debt Collection Practices Act, FDCPA is crucial in safeguarding yourself from debt collection harassment. Here are some 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 are a violation of 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 you believe that Diversified Adjustment Service has violated any of these rights, you can report them to the Federal Trade Commission (FTC) or seek legal assistance from a qualified attorney. Knowing your rights under the FDCPA empowers you to take action against unfair debt collection practices.
Diversified Adjustment Service Contact Information
If you need to contact them on this cell phone number, here is their contact information:
- 📌 Address: 600 Coon Rapids Blvd. NW, Coon Rapids, MN 55433
- 📞 Phone Number: 800-279-3733
- 🌏 Website: https://www.diversifiedadjustment.com/
- 📧 Email: info@diversifiedadjustment.com
Please note that you should only contact this 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 Debt Collection Harassment
If you’re experiencing debt collection harassment from this Service, you have options. The FDCPA and the TCPA provide strong protections against unlawful debt collection practices.
Here’s what you should do if you think DAS 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.
- 👉 Send a cease-and-desist letter: Under the FDCPA, you can request that Diversified Adjustment Service company 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.
- 👉 Contact an attorney: If you’re unsure whether debt collectors have violated your rights, contact an attorney. A law firm like The Wood Law Firm specializes in helping consumers fight back against harassment. They can help determine if you have a case against DAS and guide you through the legal process.
- 👉 File a complaint: You can report this Service complaints to the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), or your state attorney general’s office.
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.
Diversified Adjustment Service Company Reviews and Lawsuits
To better understand DAS’s reputation, looking at reviews and past legal actions taken against the company is helpful. On websites like the BBB and Consumer Affairs, DAS reviews are often critical, with many consumers complaining about aggressive collection tactics and violations of their rights.
Consumers should be aware of their rights when dealing with DAS company, including the right to debt verification and protection against harassment.
In addition, 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. Some of the more notable lawsuits against DAS include:
- 👉 Herring v. Diversified Adjustment Service Inc. In this case, the plaintiff alleged that DAS repeatedly called them despite requests to stop, amounting to harassment.
- 👉 Adams v. Diversified Adjustment Service Inc.: This lawsuit involved allegations that DAS used threatening language and excessive calls to intimidate the consumer into paying a debt.
Protect Yourself from Diversified Adjustment Service Debt Collectors
Knowing your rights is the first step toward regaining control. Don’t let aggressive debt-collection tactics affect your quality of life. Here’s a summary of steps to protect yourself:
Under the Fair Credit Reporting Act, you have the right to dispute any inaccurate information on your credit report.
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.
Don’t provide personal information over the phone: Legitimate debt collectors should already have your details. It may be a scam if they ask for your Social Security number or bank account information. 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 can 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. Remember, you can negotiate terms that work for you without succumbing to undue pressure.
If you’re unsure how to handle Diversified Adjustment Service debt collectors, don’t hesitate to seek legal assistance. The Wood Law Firm can help you take action to stop harassment and recover damages. They understand the tactics employed by debt collectors and can provide the legal expertise you need. Contact them to explore your legal options and protect your rights.
Deleting Diversified Adjustment Service from Your Credit Report
If you’ve paid off a debt or disputed a debt with DAS, 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. Any discrepancies should be noted.
- 👉 Dispute Inaccurate Information: If the information is inaccurate, dispute the debt with DAS 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 DAS update your credit report to reflect the paid status.
- 👉 Seek Legal Assistance if Necessary: If DAS refuses to remove their information from your credit report, you can file a complaint with the FTC or seek legal assistance from a qualified attorney.
Always keep records of your correspondence with DAS, 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. Taking these steps can help ensure your credit report accurately reflects your financial situation.
Conclusion
While debt collection is legal, harassment is not; you don’t have to face it alone. Whether dealing with frequent calls, threatening language, or failure to provide proper documentation, knowing that the law is on your side is essential.
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. Their team of experienced attorneys can provide you with the guidance and support you need to end aggressive debt-collection tactics.
Some useful links:
Federal Trade Commission FAQs
