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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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.
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.
Audit & Adjustment Co Inc.
20700 44th Avenue West, Suite 100
Lynnwood, WA USA 98036
Telephone: (800) 526-1074
It is illegal for a debt collector to threaten 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!
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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.
Understanding your Debt Collection Rights
The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) enforce consumer protection laws. The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are two federal laws that help regulate the collections industry. The FDCPA prohibits actions such as threatening to take actions that cannot legally be taken or using false or misleading language to collect a debt.
The FCRA regulates how collection agencies report information to credit reporting agencies. Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA).
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA.
The case above illustrates how understanding your rights and responsibilities under these laws is an important part of holding collection agencies accountable for their actions. Seeking legal assistance can help you resolve a dispute with a collection agency.
Your debt harassment checklist:
- 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, 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
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
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The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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