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Credit Adjustment Board Incorporated


8002 Discovery Dr Rm 311
Richmond, VA 23229-8601

Contact Them:

Phone: (804) 649-0761
Fax: (804) 225-1841

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to contact you at a time or place known to be inconvenient to you.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Traci F. on June 28, 2015 at 12:03 am

      Credit Adjustment Board Incorporated is trying to collect on a medical bill. This is a misunderstanding with my health insurance. I told Credit Adjustment Board Incorporated this. Credit Adjustment Board Incorporated was very rude. Credit Adjustment Board Incorporated said “I’m going to mark you as a refusal to pay.” That’s not what I said.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.