American Adjustment Bureau, Inc. is a Waterbury, Connecticut collection agency founded in 1981 that focuses on first- and third-party medical collections, including self-pay balances, copays and deductibles.
- Type
- Collection agency
- Also known as
- American Adjustment Bureau, Inc.; AAB
- Headquarters
- Waterbury, CT
- Collects
- medical bills, copays and deductibles, workers' compensation medical accounts
- Phone numbers it lists
- (866) 480-5571
- Website
- americanadjustmentbureau.com
20 debt collection complaints were sent to the Consumer Financial Protection Bureau about AMERICAN ADJUSTMENT BUREAU,INC. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is American Adjustment Bureau?
American Adjustment Bureau, Inc. (AAB) is a collection agency in Waterbury, Connecticut. Its website says three people with a combined 80-plus years in the collection industry founded it in 1981, that all three owners work on site every day, and that it has served clients nationwide since then. Its mailing address is PO Box 2758, Waterbury, CT 06723, and the site offers a Spanish-language version.
The site gives (866) 480-5571 and a customer service email for payment refund requests, and says card payments appear on statements as "American Adjustment Bureau." We did not find a CFPB enforcement action against American Adjustment Bureau.
Why American Adjustment Bureau May Be Contacting You
AAB says it specializes in first- and third-party medical collections. Its service menu includes delinquent-account collection, second placements (accounts another agency already worked), self-pay, copay and deductible balances, and a workers' compensation service. So an AAB letter is very likely about money a doctor, hospital or other provider says you owe after insurance, or a balance connected to treatment for a work injury.
"First-party" work generally means contacting patients in the provider's name before an account goes to formal collection. If the first notice you get looks like a bill from your provider but comes from AAB, ask whether it is a billing reminder or a third-party collection notice.
How to Check a Debt American Adjustment Bureau Says You Owe
Medical balances are often wrong because of insurance processing, so check the numbers before paying.
- Get the validation notice and read the itemization (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). It should name the provider and show the balance as of a specific date.
- Dispute in writing within the validation period and ask for an itemized statement with dates of service and insurance payments. Texas now requires providers to give an itemized bill before sending some accounts to collection; see Texas SB 490.
- Compare the balance to your Explanation of Benefits. A copay or deductible should match what your insurer said you owe.
- If the treatment was for a work injury, ask whether the bill was submitted to the workers' compensation carrier before it was sent to you.
- Check the date of service. In Texas, suits on most debts must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Connecticut and other states set different periods.
What American Adjustment Bureau Can and Can't Do
As a third-party agency collecting consumer medical debts for providers, AAB is a "debt collector" under 15 U.S.C. § 1692a(6). Some of the rules that matter for medical accounts:
- Paid medical collections, and those under $500, no longer show on reports from the three national credit bureaus. See medical debt credit reporting changes.
- It may not discuss your medical debt with your family, employer or neighbors, except to get location information (15 U.S.C. § 1692c(b)).
- It may call no more than seven times in seven days about one account (12 C.F.R. § 1006.14(b)(2)).
- It may not collect any fee or interest that your agreement with the provider or the law doesn't allow (15 U.S.C. § 1692f(1)).
Our Texas FDCPA attorneys page explains how we review collection conduct.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If American Adjustment Bureau or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- American Adjustment Bureau: home page
- CFPB enforcement actions list (checked pages 1-17)
- CFPB Consumer Complaint Database: AMERICAN ADJUSTMENT BUREAU,INC., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that American Adjustment Bureau has violated any law. Company details change; tell us if something here is out of date.