Who is AG Adjustments?
A. G. Adjustments, Ltd. (AGA) is a commercial debt collection agency based in Melville, New York. They are involved in retrieving unpaid commercial debts.
If AGA appears on your credit report as a collections account, it typically signifies an outstanding commercial debt associated with your business that has been handed over to them for collection.
Who does AG Adjustments collect for?
AG Adjustments primarily assists original creditors in recovering past due debts. Given their focus on commercial debt collection, these creditors are likely businesses that have provided goods or services to other businesses on credit.
Is AG Adjustments legit or a scam?
AG Adjustments, Ltd is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove AG Adjustments from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your credit report, you can start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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AG Adjustments, Ltd (AGA) Contact Information
Address:
AG Adjustments, Ltd
740 Walt Whitman Rd
Melville, NY 11747-2212
Mailing address:
AG Adjustments, Ltd
PO Box 9090
Melville, NY 11747
Phone number: (631) 425-8800 or (888) 496-1600
Should I contact or pay AG Adjustments?
Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with AG Adjustments is to work with a credit repair professional. They help remove millions of negative items every year from companies like AG Adjustments on behalf of their clients.
Will AG Adjustments sue me or garnish my wages?
While any debt collection agency, including AG Adjustments, has the legal right to initiate a lawsuit for the recovery of debts, this is generally considered a last resort. Legal proceedings can be time-consuming, costly, and there’s no guarantee of successful debt recovery.
Prior to legal action, AG Adjustments will likely make multiple attempts to collect the debt using methods like phone calls, letters, or proposing a payment plan. If these efforts are not successful and the agency decides to sue, they could potentially garnish your wages or place a lien on your property if they win the lawsuit, subject to the laws of your state.
AG Adjustments, Ltd Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with AG Adjustments, Ltd
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for AG Adjustments to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- AG Adjustments cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- AG Adjustments must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- AG Adjustments cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove AG Adjustments From Your Credit Report Today!
Credit Saint offers assistance with disputing AG Adjustments collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
