Audit & Adjustment Company is a debt collection agency is bound by the Fair Debt Collection Practices Act. Learn more about the company and how you can stop harassing debt collection calls.
Audit & Adjustment Company, Inc. is a full-service collection agency located in Lynnwood, Washington. Audit & Adjustment Company, Inc. has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including attempting to collect debts not owed and using false or misleading information in an effort to collect a debt. If Audit & Adjustment Company, Inc. has contacted you about past due financial obligations, make sure you understand your rights before you respond.
According to its website, Audit & Adjustment Company, Inc.’s consumer business division has a client list comprised of retail and commercial businesses, financial institutions, utilities, municipalities, courts, educational institutions, and NSF check recipients. This division offers competitive commission, efficient processes, and responsive account managers.
Audit & Adjustment Company, Inc.’s healthcare collections division “provides a full range of HIPAA-compliant debt collection products to healthcare providers throughout the United States” and serves a client list that includes “hospitals, physician groups, and clinics.” Audit & Adjustment Company, Inc.’s healthcare collectors use a seven-step collection call process to help patients understand the maze of insurance policies and to determine whether more information is needed to provide solutions.
Audit & Adjustment Company, Inc. utilizes experienced professional debt collectors, state-of-the-art software, including skip-tracing and LexisNexis, as well as a fully-staffed legal department to assist in the collection of debt for its clients. Audit & Adjustment Company, Inc. uses automation to achieve a maximum probability of contact with individual debtors. First, when a debtor is input into its database, Audit & Adjustment Company, Inc. updates the debtor’s address, determines if bankruptcy proceedings have been initiated, and whether the individual is deceased. Bankrupt and deceased individuals are immediately routed to the legal department to take appropriate action.
Audit & Adjustment Company, Inc.’s legal department is employed if the debtor does not respond to written or telephonic communication from Audit & Adjustment Company, Inc. First, professional collectors will attempt to verify whether the debtor has the ability to pay, but simply lacks “the motivation or willingness to pay voluntary.” If after 60 to 90 days “of intense efforts to contact” the debtor fails, Audit & Adjustment Company, Inc. will ascertain and verify the existence of any assets owned by the debtor, and once these have been determined, the Audit & Adjustment Company, Inc.’s legal department could file suit and obtain a civil judgment against the debtor. Once obtained, this judgment will accrue interest until paid in full, and it can also be used to obtain a wage garnishment against the individual debtor.
Audit & Adjustment Company, Inc. cites membership in several professional organizations, but does not provide a lot of information about its regulatory compliance policies. Its consumer resources page provides a link to the Ask Doctor Debt website, which is hosted by the International Association of Credit and Collection Professionals (ACA International). There is also a link to the Annual Credit Report website, hosted by the Consumer Financial Protection Bureau (CFPB). However, there are no links or references to consumer protection laws.
Audit & Adjustment Company, Inc. offers collection services for a variety of industries, including healthcare, municipal governments, financial institutions, utilities, and commercial institutions.
As a third-party debt collection agency, Audit & Adjustment Company, Inc. is required to adhere to the Fair Debt Collection Practices Act (FDCPA), a federal law that protects consumers from abusive debt collection tactics. Nevertheless, consumers have filed complaints accusing Audit & Adjustment Company, Inc. of violating the FDCPA. Those accusations have included claims that the debt collection agency has threatened to sue consumers without actually intending to do so and talking to third parties about consumers’ debts. It’s imperative that you know your rights under the law before speaking with Audit & Adjustment Company, Inc. debt collectors.
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Audit & Adjustment Company, Inc. is accredited by the Better Business Bureau (BBB), which issued Audit & Adjustment Company, Inc. an “A+” rating, despite the presence of nine complaints against Audit & Adjustment Company, Inc. in the past three years, only two of which have been resolved in the past 12 months. Eight of these complaints contained allegations related to Audit & Adjustment Company, Inc.’s billing and collections practices, while the remaining complaint contained allegations related to services provided by Audit & Adjustment Company, Inc. Since February 2013, the Consumer Financial Protection Bureau (CFPB) has received an 37 complaints against Audit & Adjustment Company, Inc., 36 of which contained allegations related to Audit & Adjustment Company, Inc.’s debt collection practices, including its communication tactics, false statements, and attempts to collect debts not owed, while the remaining complaints contained allegations related to credit reporting and consumer loans. In addition, Justia, one of the largest online legal databases in the United States, lists at least nine federal cases of civil litigation involving Audit & Adjustment Company, Inc.
Are you asking yourself…
Audit & Adjustment Company could be calling for a number of reasons, all of them related to debt collection:
If you’ve been contacted by Audit & Adjustment Co it’s important to know your rights under the Fair Debt Collection Practices Act. If they’ve violated your rights, you can take the agency to court and sue for statutory damages of up to $1,000 – along with court costs and attorney fees.
First you can write a cease and desist letter. Explain to Audit & Adjustment Company that they have the wrong person and insist that they stop calling you. Make sure to send your letter via certified mail with a return receipt requested. If debt collectors from Audit & Adjustment Co persist in calling you, make sure to keep a log. Note the date and time of each call, the name of the debt collector, and what was said. Under the Fair Debt Collection Practices Act, debt collectors, who violate the law, must pay consumers up to one thousand, dollars plus attorney’s fees. A fair debt attorney can represent you at no charge, and can readily evaluate your case. It’s also important to file complaints with the Better Business Bureau and with the Federal Trade Commission.
No. If you’ve been contacted by Audit & Adjustment Co, you have the right to sue them in federal court if the debt collection agency has violated the Fair Debt Collection Practices Act. Signs that you may be on solid legal footing are:
The Fair Debt Collection Practices Act was put into law in order to protect consumers like you, but there’s a catch. While the government sues debt collection agencies that egregiously violate the law, it doesn’t sue agencies on behalf of individual consumers. Instead, the FDCPA has what’s called a fee-shifting provision. This means that, if you sue and win, then the debt collection agency has to pay your court costs and attorney fees. Fee-shifting levels the playing field so that you can assert your rights.
Yes. Audit & Adjustment Company can sue you if you owe the debt, however, threatening to sue or serve you with papers if they don’t intend to do so is a violation of the Fair Debt Collection Practices Act. Additionally, after receiving the first collection notice, you have 30 days to dispute the debt. If you dispute the debt, then Audit & Adjustment Co is required by the FDCPA to prove that you do, in fact, owe the money. A debt collection agency isn’t allowed to sue you if, for example, the debt is past the statute of limitations or if you do not legally owe the debt. It’s a good idea to speak with a fair debt attorney if you’ve been served with a summons or legal complaint.
Yes. However, Audit & Adjustment Company cannot threaten you to garnish your wages and garnishment can only only occur if Audit & Adjustment Co files a lawsuit and obtains a judgment against you. It’s common for consumers to ignore notice of a lawsuit; if you don’t appear in court, the judge may automatically rule against you. Debt collection agencies have been known to avoid serving consumers with notice to increase the odds of obtaining a judgment. This is called “sewer service” or “gutter service.” The bottom line? If wage garnishment takes you by surprise, talk to a consumer attorney who can fight for your rights.
Yes. Audit & Adjustment Company can report debts in collection to the three major credit reporting agencies – Experian, TransUnion, and Equifax. Once a debt is reported to the credit bureaus, it will appear on your credit report and will impact your credit score.
Yes. However, as with wage garnishment, a property lien can only arise out of a court judgment against you. If Audit & Adjustment Cofiles a lawsuit against you and the judge rules in their favor, then the debt collection agency has a right to collect that money. One way of doing that is by putting a lien on your house or property. That’s why it’s imperative to respond to legal papers and to have an attorney by your side who will fight on your behalf.
Yes, Audit & Adjustment Company can call you at work however there are strict limits about what Audit & Adjustment Co can say or ask about you if they are calling your at your place of employment. If you want them to stop calling your job, you should tell them not to and you say that your employer either doesn’t allow those types of calls or it’s inconvenient for you. If they keep calling after you have made this request, it’s actually a violation of the Fair Debt Collection Practices Act for them to continue to call you. These laws prevent calls to work when you’ve told them not to, so it’s important to make that clear to the debt collector calling you. Take the date, and time, and the name of the person that you spoke with when you asked them not to call at work and then consult with an attorney about your rights
Yes. Again however, there would be strict limits to what they can say. It would be illegal, for example, if Audit & Adjustment Co called your family and discussed your debt with them. It might be easier to say that the ONLY reason a debt collector can contact your family is to obtain or confirm your location information so that they may contact you. That is the only exception to the law regarding third party contact. Collection calls are annoying enough, but when a collector is calling your friends, family, co-workers or place of employment and discloses information about your finances, the annoyance can quickly turn into harassment. Under federal law, debt collectors cannot discuss your debts with your children, roommates, and in many states, even your spouse.
No. Audit & Adjustment Company – or any other debt collection agency like Audit & Adjustment Co for that matter – has no authority whatsoever to arrest you. In fact, threatening you with arrest or jail is a violation of the Fair Debt Collection Practices Act. While so-called “debtors prisons” are illegal, only non-payment of things like traffic tickets can lead a judge to issue a bench warrant, which in turn can lead to arrest.
Yes. You can sue Audit & Adjustment Company if you believe they violated the Fair Debt Collection Practices Act. The FDCPA says that debt collection agencies that violate the law must pay consumers up to $1,000 in statutory damages, as well as court costs and attorney fees. That’s why engaging a fair debt attorney to represent you in an FDCPA lawsuit typically doesn’t cost you anything out of pocket. The attorney that agrees to take on your case knows that the debt collection agency will be forced to pay their fees.
If Audit & Adjustment Company – or any other debt collection agency – is calling you to the point of harassment, using abusive or profane language, or violating the FDCPA in some other way, it’s time to fight back. Under the law, you may be entitled to up to $1,000. At Lemberg Law, we won’t charge you a dime out of pocket, and we only get paid when you win. Call us today for a free, no-obligation, case evaluation. We’ll get the justice that you deserve.
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