Knight Adjustment Bureau: Who They Are and Your Rights

Type

Collection agency

Headquarters

Salt Lake City, UT

Phone numbers it lists

(801) 531-7251, (800) 748-4113

Website

knightadj.com

65 debt collection complaints were sent to the Consumer Financial Protection Bureau about Knight Adjustment Bureau 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 Knight Adjustment Bureau?

Knight Adjustment Bureau is a collection agency at 5525 South 900 East, Suite 215, in Salt Lake City, Utah. Its website calls it "a full service collection agency" and says it has been in business for almost 60 years. It works on contingency, meaning it is paid only from what it collects, and it says it is a member of ACA International, the collection industry's trade association. Consumers can reach it at (801) 531-7251 or (800) 748-4113. The site has a consumer section with pages for requesting information, disputing an account and reporting that the agency has reached the wrong person.

Why Knight Adjustment Bureau May Be Contacting You

Knight's website refers only to "past due accounts" and does not list its clients or the industries it serves. Its letter should tell you which creditor placed the account. If the name is unfamiliar, it may be a billing name for a provider you used, or it may be a mistaken identity; Knight's site has a dedicated wrong-person form for that situation.

How to Check a Debt Knight Adjustment Bureau Says You Owe

Contingency agencies get paid when you pay, so make sure the claim holds up before you do.

• Wait for, or ask for, the validation notice. It should name the creditor, show the balance on a reference date and any interest, fees, payments or credits since then, and give your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Send a written dispute within the validation period if the balance or account is not right. Use a method that proves delivery, and keep a copy. Knight's online dispute page is an option, but a mailed letter gives you a clearer record.
• Ask whether the creditor still owns the account or has assigned it, and request the original creditor's name and address.
• Pull your credit reports and see whether the account appears, under what name and with what balance.
• Know the time limits. Texas generally requires a suit on a debt within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Utah and other states have their own rules.

What Knight Adjustment Bureau Can and Can't Do

An agency that regularly collects debts owed to others is a debt collector under 15 U.S.C. § 1692a(6). For Knight, that means:

• It must identify itself as a debt collector in its communications (15 U.S.C. § 1692e(11)).
• It cannot keep calling once it has reached the seven-calls-in-seven-days threshold for one debt (12 C.F.R. § 1006.14(b)(2)); our Q&A on how many times a collector can call explains the count.
• It cannot threaten to sue unless a lawsuit is actually intended, and it cannot misrepresent the amount owed.
• If you dispute in writing on time, it must stop collecting until it mails verification (15 U.S.C. § 1692g(b)).

We did not find a CFPB enforcement action against Knight Adjustment Bureau. Our Texas FDCPA attorneys page explains when collector conduct may support a claim.

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 Knight 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

• Knight Adjustment Bureau: home page
• Knight Adjustment Bureau: About us
• Knight Adjustment Bureau: Contact us
• CFPB enforcement actions list
• CFPB Consumer Complaint Database: Knight Adjustment Bureau, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Knight Adjustment Bureau has violated any law. Company details change; tell us if something here is out of date.