Who is JNR Adjustment Company?
JNR Adjustment Company, Inc. is a debt collection agency that operates out of Plymouth, Minnesota, and also maintains an office in Maitland, Florida. They collect outstanding debts on behalf of their clients.
If you have an unpaid debt that has been transferred to JNR Adjustment Company, they may appear on your credit report as a collections account.
Who does JNR Adjustment Company collect for?
JNR Adjustment Company has a niche focus on check recovery, serving various businesses nationwide that typically handle significant volumes of checks. This includes retailers, airlines, restaurants, and fast-food chains.
Is JNR Adjustment Company legit or a scam?
JNR Adjustment Company, Inc. is a legitimate collection agency. They are authorized to collect debts within the legal parameters set for debt collection. However, it’s crucial to validate any debts that they claim you owe before proceeding with any payments.
How can I remove JNR Adjustment Company 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 report, 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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JNR Adjustment Company Contact Information
Address:
JNR Adjustment Company, Inc.
3300 Fernbrook Lane North Suite 225
Plymouth, MN 55447
Mailing address:
JNR Adjustment Company, Inc.
P.O. Box 27070
Minneapolis, MN 55427
Phone number: (800) 279-2567
Should I contact or pay JNR Adjustment Company?
Before contacting a third-party collection agency, 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 Credit reports can contain errors or list debts that are no longer valid.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 JNR Adjustment Company is to work with a credit repair professional. They help remove millions of negative items every year from companies like JNR Adjustment Company, Inc. on behalf of their clients.
Will JNR Adjustment Company sue me or garnish my wages?
JNR Adjustment Company has the legal right to file a lawsuit against you for the unpaid debt. If they win the lawsuit, the court may grant them a judgment. With this judgment, they may be able to garnish your wages or levy your bank accounts to recover the owed amount, depending on the laws of your specific state.
However, keep in mind that most collection agencies prefer to avoid legal proceedings when possible, as they are costly and time-consuming. More commonly, they would rather work out a payment plan with you to gradually recover the debt.
JNR Adjustment Company 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 JNR Adjustment Company
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 JNR Adjustment Company 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.
- JNR Adjustment Company cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- JNR Adjustment Company 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.
- JNR Adjustment Company cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove JNR Adjustment Company From Your Credit Report Today!
Credit Saint offers assistance with disputing JNR Adjustment Company 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.
