Audit & Adjustment Company or A&A is a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Audit & Adjustment Company Inc?
Audit & Adjustment Company, Inc is a full-service collection agency. A&A 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 Co has contacted you about past due financial obligations,be sure you understand your rights before you respond
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Is Audit & Adjustment Company a scam?
They’re legit. According to the Better Business Bureau (BBB), Audit & Adjustment Company, Inc. was incorporated in October 1996 and started in February 1997. The BBB established A&A’s profile page in September 1997. A&A is listed as a collection agency and hosts a secondary website here. Buzzfile estimates A&A’s annual revenue at $1.9 million and the size of its headquarters staff at 21 people.
According to its website, A&A’s “mission is to provide our clients with the highest standards of quality and service.” A&A employs a staff of experienced collectors, state of the art software, a responsive client service team, and a fully staffed legal department to provide debt recovery solutions to a variety of businesses.
Their 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.” A&A’s healthcare collectors use a seven-step collection call process to help patients understand “the maze of insurance policies; …detect when there is more information needed”; and offer a variety of solutions. A&A’s client list includes healthcare organizations, municipalities, financial institutions, utilities, and commercial institutions.
A&A’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.
A&A cites membership in several professional organizations, but does not provide a lot of information about its regulatory compliance policies. Their 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.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Audit & Adjustment Company?
The BBB has closed 13 complaints against Audit & Adjustment Company in the past three years, with 4 closed in the past 12 months. Almost all of those complaints allege problems with billing and collections. Since June 2015, the Consumer Financial Protection Bureau (CFPB) has received 7 complaints about A&A. Justia lists at least 2 cases of civil litigation involving A&A.
Can Audit & Adjustment Company Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely A&A would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against Audit & Adjustment Company?
Absolutely. Here are some Sample Cases
In June 2009, in United States District Court, Western District of Washington at Seattle, a judge issued an Order in a case alleging Audit & Adjustment Company had violated provisions of the Washington Consumer Protection Act (CPA) and the Fair Debt Collection Practices Act (FDCPA). In this case, the plaintiff had received medical care in September 2007. She was uninsured at the time. Subsequently, the hospital that provided care sent her a bill for $2,732.84. The plaintiff failed to pay the bill, so it was sent to A&A for collection.
A&A sent a collection notice in January 2008 requesting payment in the mount of $2,732.84. The letter did not provide any information about the plaintiff’s rights under Washington’s state charity care legislation, and the plaintiff did not pay the bill. A&A sent another letter to the plaintiff in August 2008, requesting payment in the amount of $2,905.35, which included an interest payment in the amount of $172.51. The second letter also did not refer to the plaintiff’s rights under charity care law, and again the plaintiff did not pay the bill. A&A filed suit in County District Court in August 2008 to collect the debt. In response, the plaintiff filed a complaint alleging Audit & Adjustment Company had violated both the Washington CPA and the FDCPA by sending collection letters that ignored her rights under charity care legislation. Her complaint stated her case simply. In addition, she requested “a declaratory judgment on behalf of herself and the Class determining that under Washington charity care law, qualifying patients have a right to receive charity care when their hospital accounts are assigned to Defendants for collection…and a declaratory ruling that her legal right to qualify for charity care continued after her account was assigned to A&A, and that A&A is therefore required to return her hospital account to Northwest Hospital . . . so that it can process her charity care application now.”
Prior to the June 2009 hearing, Northwest Hospital granted the plaintiff charity care to cover the costs of her medical treatment, rendering the portion of the decision regarding summary judgement moot. The plaintiff argued that declaratory relief should be granted to ensure that A&A does not continue to commit similar violations, but the court did not have enough evidence to make such a ruling. However, they also denied A&A’s motion to dismiss as moot the plaintiff’s allegation in that regard.
Audit & Adjustment Company Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Stop Debt Collection Harassment
You may have a case, if…
You are receiving multiple calls per week from third party collection agencies
You are receiving early morning or late night calls from debt collectors
You are receiving calls at work from a debt collection agency
Debt collectors are calling your friends, neighbors, or coworkers
Collectors are threatening you with violence, a lawsuit, or arrest
A debt collector attempts to collect more than you owe
You are being threatened with negative credit reporting
A debt collector attempts to intimidate you
Criminal accusations are being made towards you
Use of obscene language during an attempt to collect
Automated robocalls are being made to your phone in an attempt to collect
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“After a few months of frustration with a debt collector, I eventually called Lemberg Law. It was among the best financial decisions I have ever made. Jody and her staff were comprehensive, useful, and above all else powerful. I highly recommend their services and thank them for their continual efforts.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
Can You Help Me Delete Audit & Adjustment Company from My Credit Report?
Chances are good that we can help. Call us today and we’ll explain.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.