How to Stop CACi Debt Collectors From Harassing You

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How to Protect Yourself Against Unfair CACi Debt Collectors

Consumer Adjustment Company, Inc. (CACi) is a Missouri-based third-party collection firm. Before you respond toregarding past due collection items, make sure you understand your rights.

Whether you were recently contacted or have been harassed for months, DoNotPay can help you determine whether your debt collector complies with the FDCPA (Fair Debt Collection Practices Act).

What is the FDCPA?

It is legislation safeguarding consumers from illegal debt collecting practices. Since 1978, this legislation has set forth the rules and restrictions that all debt collection firms must follow. The law restricts where and when a person can receive collection calls and prohibits unlawful and abusive practices.

What is CACi Debt Collector?

Here are the contact details for th :

CompanyConsumer Adjustment Company, Inc. (
Mailing Address514 Earth City Plaza, Suite 100

Earth City, MO 63045

Phone Number877-449-4411
Email or Contact

Is CACi Debt Collector Legitimate?

They're legitimate. Consumer Adjustment Company, Inc. was created and incorporated in 1967, according to the Better Business Bureau (BBB). CACi is a collection service that specializes in government debt collection, according to the Better Business Bureau. CACi is the alternative company name for Consumer Adjustment Company.

Your Rights When Dealing with CACi Debt Collection

The Fair Debt Collection Practices Act spells out borrowers' rights and debt collectors' responsibilities (FDCPA). Here are a few essential items to consider.

  • A debt collector cannot contact you before 8 a.m. or after 9 p.m.
  • The collector must connect with your lawyer if you have one.
  • A debt collector cannot communicate with or inform your friends or family members about your debts.
  • Debt collectors cannot use foul language or threaten to damage you, your reputation, or your property.
  • Debt collectors must identify themselves and the firm for which they work. They can't claim to be police officers or other government authorities.
  • You cannot be threatened with incarceration by a debt collector.

How to Respond to CACi Debt Collectors

Find out the following when you're contacted:

  • Debt collector's identity, including name, address, and phone number.
  • The total amount owed, including any expenses such as interest or collection costs.
  • What is the debt for, and when was it incurred.
  • The original creditor's name.

Never give the caller your personal or financial information unless you are sure it is a real debt collector.

How to Deal with Debt Collections on Your Own

Here are the steps you should take when dealing with a debt collector on your own:

  1. Examine the debt validation letter to confirm the amount owing, the original creditor, the nature of the debt, and the collector's identification.
  2. If you have doubts or believe the debt is not yours, submit a debt verification request. If the debt's statute of limitations is approaching its end, it may be preferable to ignore the collection and wait it out.
  3. You have a few alternatives after you've validated the debt. You can.
  • Repay your debts.
  • Request that the debt collector refrains from contacting you.
  • They are legally compelled to stop contacting you once you make this request, but they may choose to escalate the issue by suing.
  • Please specify how you want them to contact you, whether through your lawyer or requesting that they not phone you at work.
  • If you suspect they've broken the FDCPA, contact the FTC and the Consumer Financial Protection Bureau.

How to Stop CACi Debt Collectors with DoNotPay

DoNotPay will assist you in determining if your debt collector complies with the FDCPA, whether you were just contacted or have been hounded for months, or if they’re threatening to take your stimulus money.

We'll assist you in deciding what course of action to pursue after walking you through a series of questions, and we'll contact the debt collectors on your behalf with a demand letter. We'll file the complaint on your behalf if you want to report the collection agency to the Consumer Financial Protection Bureau.

Here's how it works:

  1. Search “debt collection” on DoNotPay.

  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

  3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to the CFPB.

And that’s it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We’ll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the CFPB so that they’re no longer able to use unfair debt collection practices.

You can also check out our other credit products, including Credit Limit Increase and Clean Credit Report!

Why Use DoNotPay to Respond to CACi Debt Collection?

You should use DoNotPay because it’s:

  1. Fast- You won't have to waste long hours attempting to contact CACi debt collectors.
  2. Easy- You won't have to waste time filling out lengthy documents or keeping track of all the stages required in replying to debt collectors.
  3. Successful- You will be relaxed knowing that DoNotPay will present your case in the best possible way.

DoNotPay Works across All Entities/Companies/Groups with a Single Click

DoNotPay can also help you with more than just CACI debt collector. DoNotPay can assist you in resolving the problem with a variety of different companies, and different issues.

For example

What Else can DoNotPay Do?

DoNotPay also offers these other services;

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