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Nashville Adjustment Bureau


480 James Robertson Pkwy
Nashville, TN 37219-1212

Contact Them:

Phone: (615) 256-7100
Fax: (615) 256-0921

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to state that nonpayment of any debt will result in arrest, imprisonment, seizure, garnishment, or attachment.

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. Gustavo Junion on June 23, 2015 at 10:10 am

      We had an arrangement made regarding my debt. I was in a car accident and could not pay the remaining $1500 out of pocket. I paid $50 a month, it was automatically deducted from my account every month. With $600 dollars remaining on my account they turned in my debt. I was in the process of buying a house and this lowered my credit score enough to lose points making my payments much higher than expected. When I talked to them and referenced our agreement, and that someone said it should not go against my credit, they explained to me that they said “should.” Snakes! They will not do anything to remove it from my credit, even if I pay the remaining balance in full.

    2. [anonymous] on July 12, 2015 at 12:26 am

      Nashville Adjustment Bureau calls from 6152553469. I finally told Nashville Adjustment Bureau to cease and desist with the calls and that all further correspondence should be in writing only.

    3. DONNA REELS on July 12, 2016 at 4:44 pm

      I just got off the telephone with a young lady by the name of Miracle. She works for you. She was beyond rude. When I asked to speak with someone else because she was being rude she said, “I don’t know why you want to speak to them because they are just gonna tell you what I told you.” Each time I said, “Just put someone else on the phone.” She replied with another smart comment. Finally she put me on hold. It is then that I when to an operator. After that it sounded as if she (Miracle) picked up and I asked for another customer service individual. A young lady who did not give me her name until I asked for it named Ashland picked up. At that point I was unsure who I was talking to so I opted to say goodbye. I would like for a supervisor return my call. I am very disappointed in the manner in which I was spoken to . As you all state the calls are often recorded for quality assurance. I would ask that you review the conversation.
      Donna Reels

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