Oliver Adjustment Company on Your Credit Report? Fight Back and Win

If you’re receiving calls from Oliver Adjustment Company, it’s likely due to a debt they’re trying to collect, a mistaken identity, or a credit reporting error. Regardless of why they’re calling, it can be stressful dealing with debt collectors, but there are steps that can be taken to protect your rights and stop the calls. 

Further, it's important to remember that you have legal protections when it comes to dealing with debt collectors. That means that you don't have to tolerate any form of abuse or harassment, and you have the right to dispute any debts if you believe them to be invalid.

Contact us today to schedule your free consultation with a proven FCRA attorney. 

Continue reading to learn everything you need to know about Oliver Adjustment Company and how you can remove them from your credit as soon as possible.

Is Oliver Adjustment Company Legit or a Scam? 

Oliver Adjustment Company is a legitimate debt collection agency. However, they have been accused of many FDCPA violations (ex., harassment) and FCRA violations. Despite being legit, it's important to be cautious when dealing with debt collectors and to do your research to ensure that the call and debt are legitimate.

How Can I Contact Oliver Adjustment Company?

If you’ve received a call from Oliver Adjustment Company regarding a medical bill that you didn't even know existed, it’s important to verify the debt and understand your rights as a consumer before taking any action. You can get in touch with Oliver Adjustment Company using the contact information provided:

• Phone: 877-609-2570
• Website: www.OAC.bz
• Address: PO Box 500, Baraboo, WI 53913
• Email: info@oac.bz

It’s crucial to be mindful of what’s discussed while speaking with debt collectors and to never agree to any payment arrangements or offer any admission until the debt has been verified and relevant legal rights established.

Consulting an experienced consumer rights attorney can help you navigate this tricky situation and provide advice on the best course of action to take.

Why is Oliver Adjustment Calling Me?

Oliver Adjustment Company may be calling you to inform you about a debt they believe you owe, request payment, or discuss payment options. However, in many cases, they’ve been accused of making calls and reporting negative items due to mistakes and credit reporting errors. If you're not sure why they're calling, you can ask for more information about the debt including the amount owed, and the original creditor’s name.

Who Does Oliver Adjustment Company Inc Collect For? 

Oliver Adjustment company mostly collects debt on behalf of healthcare providers. That includes healthcare professional groups, hospitals, clinics, and private practitioners. If you’ve noticed them on your credit report or are getting phone calls about a medical debt you’re unsure of, it’s in your best interest to research the debt, get it verified, and reach out to an attorney as soon as possible.

Common Complaints About Oliver Adjustment Co

Oliver Adjustment Company has received several complaints about its debt collection practices. Some of the most common complaints and negative reviews include the following:

• Harassment and abusive behavior
• Misrepresentation of the debt or the amount owed
• Failure to provide validation of the debt
• Reporting inaccurate information to the credit bureaus

If you believe that Oliver Adjustment Company has violated your rights under the FDCPA or FCRA, you should contact an experienced consumer rights attorney who can help you understand your legal options.

How Can I Remove Unverified Debt From My Credit Report?

Suppose Oliver Adjustment Company has reported unverified debt to the credit bureaus. In that case, you can dispute the debt and have it removed from your credit report. Here are some options:

• Send a dispute letter to the credit bureau and Oliver Adjustment Company requesting verification of the debt and providing any supporting documentation.
• The credit bureau must investigate the dispute and remove the debt from your credit report if it's not verified.
• Keep copies of all correspondence and documentation related to the dispute.

If Oliver Adjustment Company has violated your rights under the FCRA by reporting unverified debt or failing to correct errors, you may be able to sue for damages.

How Do I Remove Verified Debt From My Credit Report?

If Oliver Adjustment Company has reported verified debt to the credit bureaus, it may be more difficult to remove these items from your credit report. However, there are still some options available:

• Negotiate a pay-for-delete agreement

You can attempt to negotiate with Oliver Adjustment Company to pay off the debt in exchange for them removing the negative information from your credit report. Please keep in mind that there is no guarantee that they will agree to this, and if they do, they may not follow through after payment has been made.

• Dispute the debt

If you believe that the debt is not accurate or if Oliver Adjustment Company has violated your rights under the law, you can dispute the debt with the credit bureaus and Oliver Adjustment Company. If the dispute is successful, then the negative information should be removed from your credit report.

• Wait for it to fall off

Negative information typically stays on your credit report for seven years. If you can wait it out, eventually, this negative information will fall off your credit report. Speak with a professional before taking this route.

It's important to consider all of these options carefully, as removing negative items from credit reports takes both time and effort. 

If you're unsure what steps are best to take, consulting an experienced consumer rights attorney could provide valuable guidance and advice on how best to proceed and protect yourself from further action by Oliver Adjustment company or any other debt collectors.

Contact Us to Speak With An FCRA Lawyer Today

If you're dealing with debt collectors like Oliver Adjustment Company and you're not sure what to do, contact us today to speak with an experienced FCRA lawyer. Our attorneys can help you understand your legal rights and options, negotiate a debt settlement, dispute errors, and hold debt collectors accountable for any violations of your rights. Don't wait – contact us today for a free case evaluation.