Mid-South Adjustment Co. Phone Harassment?
Is Mid-South Adjustment Co. (MSA) calling you? Stop Mid-South Adjustment Co. phone harassment. Do they threaten to take legal action or garnish your wages? Mid-South Adjustment Co. may use aggressive tactics, such as repeated phone calls and threats, which are prohibited by federal law. Are they calling you at all hours or several times a day? Repeated phone calls are a common form of harassment by debt collectors. Are they telling your family and neighbors that you owe a debt? If so, what they are doing is illegal and needs to stop—taking immediate action is important to protect your legal rights. You have the legal right to stop MSA phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Is Mid-South Adjustment Co. a Scam?
According to the Better Business Bureau website, Mid-South Adjustment Co. has been in business for 37 years. Read more here: Mid-South Adjustment Co. Better Business Bureau.
Who is Mid-South Adjustment Co.?
Mid-South Adjustment Co. is a third party debt collector located in Pine Bluff, Arkansas. MSA is involved in collecting debts that have become delinquent, and has been a party to a Federal Court case over 170 times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. There have been numerous consumer complaints about Mid South Adjustments’ methods of collecting delinquent debts. Mid South Adjustments must comply with strict federal laws when collecting debts, and these laws are designed to protect consumers from harassment and abuse.
Address: 200 E 11th Ave STE K Pine Bluff, AR 71601-5063
Phone: (870) 536-9600
Mid-South Adjustment Co. Collection Tactics
If Mid-South Adjustment Co. engages in any of the following tactics, you may have a case:
- ➤ Using profanity or abusive language
- ➤ Calling you before 8:00 a.m. or after 9:00 p.m.
- ➤ Calling you multiple times per week
- ➤ Talking to others about your debt
- ➤ Calling your workplace
- ➤ Threatening to sue you, harm you, or destroy your credit
- ➤ Telling you or anyone else that you’ve committed a crime
- ➤ Calling repeatedly for the wrong person
- ➤ Failing to notify you of your right to dispute the debt
- ➤ Trying to collect more than legally allowed
- ➤ Using aggressive tactics, such as threatening language or making multiple phone calls in a short period
Federal laws set strict rules for debt collection calls, and violating these rules can result in legal consequences for the agency.
Mid-South Adjustment Co Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- 📲 870-536-9600
- 📲 888-536-5114
- 📲 870-536-5114
- 📲 870-619-4722
- 📲 (870) 536-9600
- 📲 (888) 536-5114
- 📲 (870) 536-5114
- 📲 (870) 619-4722
- 📲 8705369600
- 📲 8885365114
- 📲 8705365114
- 📲 8706194722
If the answer is yes, then you are receiving calls from a known MSA number. You may be a victim of MSA phone harassment. Be sure to document the phone number and telephone number from which you are called, as well as any text messages you receive from Mid-South Adjustment Co. The list above is not all the numbers that MSA uses. You may be called or contacted via text messages from different phone numbers not listed above, and it can still be Mid-South Adjustment Co. Contact our office right away so we can start the process to stop MSA from calling you illegally. Above all, no one should live with harassment!
Credit Report Implications of Debt Collection
Dealing with debt collectors like Mid South Adjustment can have a lasting impact on your credit report and overall financial health. When a debt collection agency reports a delinquent debt to the credit bureaus, it can significantly lower your credit score and make it harder to qualify for credit cards, loans, or even a mortgage in the future. Under the Fair Credit Reporting Act (FCRA), debt collectors and credit bureaus are required to ensure that all information reported about your debts is accurate and up to date.
If Mid South Adjustment or any other collection agency reports a collection account to the credit bureaus, that negative mark can remain on your credit report for up to seven years from the date of the original delinquency. This can result in higher interest rates, denied credit applications, and additional financial stress. It’s important to know that you have rights under both the FCRA and the Fair Debt Collection Practices Act (FDCPA) to protect yourself from unfair or inaccurate reporting.
If you notice a debt collection account on your credit report that you believe is incorrect, incomplete, or the result of identity theft, you have the legal right to dispute it with the credit bureaus. You can also send a cease and desist letter to the debt collector, instructing them to stop contacting you about the alleged debt. In some cases, debt collectors may be willing to negotiate a “pay for delete” agreement, where they agree to remove the collection account from your credit report in exchange for payment. If you pursue this option, make sure to get any agreement in writing before making a payment.
Debt collection harassment and misleading information can make an already stressful situation even worse. If you feel overwhelmed or unsure about how to handle debt collection activity on your credit report, consider reaching out to a reputable law firm or consumer protection agency. They can assist you in disputing inaccurate information, stopping harassing calls, and recovering damages if your rights have been violated.
Remember, you have the power to protect your credit and your peace of mind. Don’t let debt collection agencies like Mid South Adjustment damage your financial future—take action, know your rights, and seek professional help if you need it.
Complaints Against Mid-South Adjustment Co
The following is a sample list of complaints filed against Mid-South Adjustment Co. in the past and can be found on Pacer.gov.
- 📝 4:15-cv-00427-KGB Wood v.
- 📝 2:16-cv-00094-BSM Newburn v.
- 📝 4:15-cv-00022-JM De Clue v.
- 📝 6:19-cv-06120-SOH Parker v.
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Many consumers have faced similar harassment and have benefited from legal assistance. Rather than suffer alone, contact our office to begin the process to stop the Mid-South Adjustment Co. harassment. We offer a free consultation to discuss your case and legal options. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Mid-South Adjustment Co. call us at 855-385-8182 for immediate assistance or visit our website. Legal action can be a powerful tool to stop harassment and recover damages.
Success Stories
- 🏆 They worked quickly to not only get the account removed from my credit report, but also get me a settlement on top of that. Of course, this was my personal result – yours may differ. I didn’t have to pay a single dime for the service. All my questions were answered thoroughly and in a very timely manner. Do not hesitate to put your trust in this law firm.
- 🏆 All I can say is this team is amazing from the beginning to the end! I let Mr. Scott know how I was being harassed and showed him all the proof with the messages and phone calls! And he went to work on my behalf! I did not know where to turn at first, the best decision was making this phone call. Thank you and your team again! I did not know if this was scam or was going to work out, this is not scam give them a call if you are being harassed even if you may not know let them know what is happening, they will take it from there!!! Again, I want to thank you all so much. There is not any out-of-pocket cost. They get a million stars from me
- 🏆 Derek DePetrillo is an amazing attorney! I was skeptical at first, not hopeful my case would have enough to get it settled. Right before the new year I received a call from Matt, who is also a fantastic employee of the firm, with news that my debt was waived and attorney fees were paid by the creditor. Stop receiving collection calls and MAKE the call to Consumer Rights Law Firm PLLC to get your debt resolved!
Frequently Asked Questions
1. Who is Mid-South Adjustment Co.?
Answer: Mid-South Adjustment Co., Inc. is a third-party debt collection agency based in Pine Bluff, Arkansas, collecting debts for clients in industries such as healthcare, utilities, finance, and government.
2. What constitutes phone harassment by Mid-South Adjustment Co.?
Answer: Phone harassment may include repeated or excessive calls, threats, using abusive language, calling before 8 a.m. or after 9 p.m., or contacting others about your debt.
3. Can Mid-South Adjustment Co. call me many times in one day?
Answer: Yes, but if they call you repeatedly (for example, more than seven times in a week) it may be considered harassment under federal rules.
4. Is Mid-South allowed to call me at work?
Answer: They may contact your employer only to verify your employment, but cannot disclose your debt. Repeated workplace calls may amount to harassment.
5. Can Mid-South Adjustment threaten legal action like wage garnishment?
Answer: Debt collectors cannot lawfully threaten legal action unless they actually intend to follow through. False threats of lawsuits or garnishment may violate the FDCPA.
6. What should I do to stop Mid-South Adjustment’s harassment?
Answer: Request in writing that they cease calls, document all contacts (dates, times, numbers), and if they continue, consider filing a complaint or consulting a consumer rights attorney.
7. Do I have to pay Mid-South Adjustment if I dispute the debt?
Answer: You may dispute the debt within 30 days of first contact. While they must validate the debt, collection efforts may continue unless they prove the debt validity.
8. Can Mid-South Adjustment report the debt to credit bureaus during harassment?
Answer: Yes, they may report, but any negative listings must be accurate. If you dispute the debt, they must note the dispute on your credit reports.
9. Can I sue Mid-South Adjustment for violating my rights?
Answer: Yes. If they violate the Fair Debt Collection Practices Act (FDCPA) or similar consumer protection laws, you may recover damages, attorneys’ fees, and costs.
10. How can a consumer law firm help with harassment from Mid-South Adjustment?
Answer: A law firm can send cease-and-desist letters, file lawsuits, negotiate for you, and help recover damages if the collector violated your consumer rights.