Who Called From 203-574-4200?
Short answer: 203-574-4200 is a number used by American Adjustment Bureau, Inc (American Adjustment Bureau, Inc), a third-party collection agency based in Waterbury, CT — nyc department of consumer and worker protection (dcwp) debt-collection license 2124911-dcwp on file, address of record in waterbury, ct. They are almost certainly trying to collect a debt, most often credit card debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 203-574-4200?
The number 203-574-4200 is used by American Adjustment Bureau, Inc (nyc department of consumer and worker protection (dcwp) debt-collection license 2124911-dcwp on file, address of record in waterbury, ct), a third-party collection agency in Waterbury, CT. For the full company profile — ownership, history, and known aliases — see our complete American Adjustment Bureau, Inc guide. This page focuses on the calls coming from 203-574-4200 specifically.
About this specific number
- 📞 Number: 203-574-4200 (area code 203, ending in 4200)
- 📍 Line type: Direct-dial — resolves to the 203 area code.
- 🏢 Operator: American Adjustment Bureau, Inc, a third-party collection agency in Waterbury, CT.
- 🔢 Related lines: American Adjustment Bureau, Inc is documented using 1 number in our directory, so calls may also come from other digits.
203-574-4200 is a direct-dial number tied to the 203 area code, which is why the call may have appeared "local" on your caller ID even though American Adjustment Bureau, Inc operates out of Waterbury, CT.
Some carriers display 203-574-4200 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from American Adjustment Bureau, Inc.
On your caller ID, in voicemails, or in letters, this company can also appear as: American Adjustment Bureau, Inc, AABI.
Why Is American Adjustment Bureau, Inc Calling Me From 203-574-4200?
In our directory, 203-574-4200 is tracked as a nyc department of consumer and worker protection (dcwp) debt-collection license 2124911-dcwp on file, address of record in waterbury, ct for American Adjustment Bureau, Inc, which typically collects credit card debt, consumer loans. A call from 203-574-4200 usually happens because:
- ✅ An original account (a credit card debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with American Adjustment Bureau, Inc to collect on behalf of the original creditor.
- ✅ American Adjustment Bureau, Inc is now dialing you from 203-574-4200 and possibly other lines to reach a resolution.
Calls from 203-574-4200 often come right after a billing cycle closes. Some people report that 203-574-4200 calls once and hangs up, then tries again from a different American Adjustment Bureau, Inc line hours later. A single missed call is not proof of a valid debt. When 203-574-4200 shows up on your caller ID, it is worth checking whether the American Adjustment Bureau, Inc account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make American Adjustment Bureau, Inc prove the credit card debt in writing first.
Important: a phone call — even from a real number like 203-574-4200 — does not prove you owe the debt, that the amount is correct, or that American Adjustment Bureau, Inc can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 203-574-4200
Anything you say to American Adjustment Bureau, Inc can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 203-574-4200 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from American Adjustment Bureau, Inc.
Don't agree to a payment on the spot
A single payment to American Adjustment Bureau, Inc — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 203-574-4200.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 203-574-4200. Any legitimate American Adjustment Bureau, Inc resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 203-574-4200 caller. If it truly is your American Adjustment Bureau, Inc account, they should already have what they need and must prove it.
What To Do If 203-574-4200 Keeps Calling
Here are concrete next steps for this specific American Adjustment Bureau, Inc line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 203-574-4200 as a contact labeled "American Adjustment Bureau, Inc — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 203-574-4200 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that American Adjustment Bureau, Inc identify the original creditor behind the 203-574-4200 calls and the date the debt was opened.
Your Rights When American Adjustment Bureau, Inc Calls From 203-574-4200
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send American Adjustment Bureau, Inc a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If American Adjustment Bureau, Inc reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 203-574-4200: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that American Adjustment Bureau, Inc stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, American Adjustment Bureau, Inc generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars American Adjustment Bureau, Inc from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 203-574-4200
We investigate the specific American Adjustment Bureau, Inc account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the American Adjustment Bureau, Inc account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to American Adjustment Bureau, Inc. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
203-574-4200 — Frequently Asked Questions
Who is calling me from 203-574-4200?
203-574-4200 is a direct-dial line associated with American Adjustment Bureau, Inc (also seen as American Adjustment Bureau, Inc), a third-party collection agency headquartered in Waterbury, CT. The number resolves to the 203 area code. If you received a call from 203-574-4200 — often showing the last four digits 4200 on your screen — it is very likely American Adjustment Bureau, Inc attempting to reach you about a debt they say you owe, most often credit card debt, consumer loans.
Is 203-574-4200 a scam number?
American Adjustment Bureau, Inc is a real, registered company, and 203-574-4200 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like American Adjustment Bureau, Inc, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 203-574-4200?
You are not legally required to answer 203-574-4200 or call American Adjustment Bureau, Inc back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, American Adjustment Bureau, Inc must pause collection until it mails you proof of the debt.
Why is American Adjustment Bureau, Inc calling me about credit card debt?
A call from 203-574-4200 usually means an original credit card debt went unpaid and was placed with American Adjustment Bureau, Inc, which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop American Adjustment Bureau, Inc from calling 203-574-4200?
Yes. The FDCPA lets you send a written cease-and-desist demand telling American Adjustment Bureau, Inc to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 203-574-4200 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt American Adjustment Bureau, Inc is calling about?
Do not pay anything based on a call from 203-574-4200 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About American Adjustment Bureau, Inc
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