Suppose you’ve been receiving Credit Adjustment Bureau debt collection harassment. In that case, it’s time to take action. Debt collectors must operate within legal boundaries; you have the right to protect yourself when they don’t. If you’re experiencing Credit Adjustment Bureau phone harassment. In that case, the good news is that you have several legal options to stop the abuse.
The first step is understanding your rights and the illegal practices CAB may engage in. From threats of lawsuits to calls at all hours of the day, there are a variety of Credit Adjustment Bureau tactics that go beyond what’s legally allowed. This guide explains everything you need to know about Credit Adjustment Bureau scam claims, consumer complaints, and the steps you can take to stop the harassment.
What Exactly Is Credit Adjustment Bureau?
Founded in Richmond, Virginia, Credit Adjustment Bureau is a debt collection agency that has been in operation for over six decades. The agency collects on behalf of creditors but often crosses the line with its tactics, resulting in numerous lawsuits and complaints.
According to the Better Business Bureau, CAB has a history of consumer complaints, with individuals accusing them of violating federal consumer rights laws. In many cases, Credit Adjustment Bureau reviews reveal reports of abusive phone calls, harassment, and threatening legal action in violation of the Fair Debt Collection Practices Act (FDCPA).
While the Credit Adjustment Bureau isn’t a scam, its aggressive approach to collecting debts has led many to view the agency negatively. Understanding these practices can help you protect your rights.
Also read: Diversified Adjustment Service Debt Collection Harassment
Credit Adjustment Bureau Debt Collection Harassment Tactics: When Harassment Crosses the Line
Debt collectors are not legally allowed to use abusive methods to recover debts. Unfortunately, Credit Adjustment Bureau collectors often disregard these limits. The following is a breakdown of some of the most common and illegal actions that consumers face when dealing with Credit Adjustment Bureau:
1. Frequent and Repetitive Phone Calls
CAB may call you several times a day, sometimes at inconvenient times such as early or late at night. Under the FDCPA, debt collectors can only call after 8 a.m. or after 9 p.m. local time. However, the Credit Adjustment Bureau may continue to harass you at all hours.
2. Using Threats and Intimidation
One of the most concerning aspects of Credit Adjustment Bureau phone harassment is their use of threats. CAB may claim they are about to file a lawsuit, garnish your wages, or report your debt to the credit bureaus. In some cases, they may even threaten to arrest you, which is simply not within their legal authority.
3. Contacting Family, Friends, and Neighbors
Debt collectors cannot disclose your financial situation to third parties by law. However, the Credit Adjustment Bureau may attempt to contact your family members or neighbors to pressure you into paying your debt by disclosing your financial troubles.
4. Misleading or Deceptive Communication
Many consumers report that CAB uses deceptive tactics, such as providing misleading information about their rights to dispute a debt or using unclear or incomplete validation notices. Under the FDCPA, debt collectors must provide clear information about the debt and your rights to dispute it.
5. False Claims and Unsubstantiated Debts
CAB may sometimes claim that you owe a debt that you don’t or that you still owe a debt you already paid off. They may continue calling you for debts that have passed the statute of limitations, or worse; they may harass you for the wrong person entirely.
These tactics are not only unethical—they are illegal. Under federal law, consumers can take action if a debt collector violates the FDCPA. You may sometimes be entitled to compensation, including up to $1,000 in statutory damages.
Also read: Credit Bureau Collection Services Harassment
Credit Adjustment Bureau Complaints and Lawsuits: What You Need to Know
If you’re wondering whether you’re the only one dealing with Credit Adjustment Bureau debt collection harassment, the answer is no. Many consumers have filed Credit Adjustment Bureau complaints due to unlawful collection tactics. CAB has faced several lawsuits for violations of consumer protection laws over the years.
Here are a few examples of lawsuits filed against the Credit Adjustment Bureau:
Grassi et al. v. Credit Adjustment Bureau (Case no. 3:09-cv-00619-JRS)
Priestley v. Credit Adjustment Bureau (Case no. 1:14-cv-03173-CCB)
Williams v. Credit Adjustment Bureau (Case no. 3:97-cv-00291-JRS)
These cases, among others, highlight the Credit Adjustment Bureau’s history of aggressive collection practices and legal violations. If you experience these, you may have grounds to file your claim.
Also read: Mercantile Adjustment Bureau Debt Collection Harassment
How to Identify Phone Numbers from Credit Adjustment Bureau
Knowing the phone numbers that the Credit Adjustment Bureau may use to contact you is essential. These numbers include:
804-649-0761
800-882-0761
804-225-1841
If you receive calls from any of these numbers—or from similar numbers—it’s highly likely that you’re dealing with Credit Adjustment Bureau. These calls are often associated with Credit Adjustment Bureau debt collection harassment, and it’s crucial to take action.
What Can You Do to Stop Credit Adjustment Bureau Debt Collection Harassment?
Suppose you’re receiving harassing phone calls from the Credit Adjustment Bureau. In that case, there are several steps you can take to stop the harassment and protect your rights.
1. Know Your Rights
The first step in stopping Credit Adjustment Bureau phone harassment is knowing your rights. Under the FDCPA, debt collectors cannot threaten, call at unreasonable hours, or reveal your debt to others. They must also stop contacting you if you send them a cease and desist letter. Familiarizing yourself with the FDCPA will give you the knowledge to assert your rights effectively.
2. Send a Cease and Desist Letter
You can send a cease and desist letter to the Credit Adjustment Bureau demanding they stop all communication with you. Once they receive this letter, they must legally cease further contact. If they continue to harass you after receiving your letter, they could face legal consequences.
3. Keep Detailed Records
Document everything Whenever you receive a call from the Credit Adjustment Bureau. Write down the date, time, and content of the conversation. Save any voicemails, emails, or letters you receive from them. This documentation can be crucial if you file a complaint or take legal action.
4. Consult an Experienced Attorney
If the Credit Adjustment Bureau continues to harass you, it’s time to get legal help. An attorney specializing in consumer rights law can help you navigate the legal system, file a Credit Adjustment Bureau lawsuit, and stop the harassment. The Wood Law Firm specializes in helping consumers who have faced abusive debt collection practices. Contact us at +1 844-638-1122 to discuss your situation and learn about your options.
5. File Complaints with Authorities
You can file complaints with the Consumer Financial Protection Bureau (CFPB), the Better Business Bureau (BBB), or your state’s attorney general’s office. These organizations can help investigate illegal collection practices and hold debt collectors accountable.
Also read: Mid-South Adjustments Debt Collection Harassment
Can Credit Adjustment Bureau Garnish Your Wages?
Many consumers are concerned about whether the Credit Adjustment Bureau can garnish wages. The short answer is yes—if CAB wins a lawsuit against you and obtains a court judgment, they can garnish your wages. However, wage garnishment is only possible if a judgment is obtained and the debt is legally enforceable.
Even if CAB has the legal right to garnish your wages, they must follow specific procedures. If you’re facing a Credit Adjustment Bureau lawsuit, an attorney can help you assess your options and protect your rights.
Can You Sue Credit Adjustment Bureau?
Yes, you can sue the Credit Adjustment Bureau for violating your rights. If CAB has engaged in illegal practices such as harassing phone calls, threats, or failure to validate the debt, you may be able to file a lawsuit. A successful lawsuit could result in compensation for damages and the payment of your legal fees.
Also read: Regional Adjustment Bureau Debt Collection Harassment
What to Do If You Face Credit Adjustment Bureau Debt Collection Harassment?
If you’ve been the victim of Credit Adjustment Bureau debt collection harassment, take the following steps:
Document the harassment: Keep detailed records of every interaction with CAB.
Send a cease and desist letter: Request that they stop contacting you.
Consult an attorney: Contact an attorney from The Wood Law Firm to discuss your case.
File a complaint: Report CAB’s illegal actions to the appropriate authorities.
Don’t let Credit Adjustment Bureau intimidate you into paying a debt you don’t owe. You have the right to stop the harassment. With the help of experienced legal professionals, you can hold them accountable for their actions.
If you face Credit Adjustment Bureau phone harassment, contact The Wood Law Firm at +1 844-638-1122 today. Our team of experts can help you stop the harassment, fight back, and get the compensation you deserve. Don’t wait—take action now to protect your rights!
Some Useful Link:
Federal Trade Commission FAQs
