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.
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 a different number 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.
Common Questions
Is MSA a scam? No, Mid-South Adjustment Co. has been in business for 37 years.
Can Mid-South Adjustment Co. garnish my wages? Yes, MSA can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. Wage garnishment typically occurs after a debt collector wins a lawsuit against you and obtains a court order, allowing them to take a portion of your wages to satisfy the debt.
Can MSA sue me? Yes, MSA can sue you so long as the debt is within the statute of limitations. If you are sued, you have legal options to defend yourself. If MSA or its agents violate your rights under laws like the FDCPA, you may be able to recover damages and legal fees through legal action.
Can MSA report my debt to the collection bureaus? Yes, debt collectors are allowed to place the collection account on your credit report. Typically, the original creditor owns the debt first and may transfer or sell it to collection agencies like MSA, who then report the debt to the credit bureaus.
Can I negotiate a payment plan or make payments to settle my debt with MSA? Yes, you can negotiate a payment plan or make payments to settle your debt with MSA. It is important to get any agreement in writing and keep records of all payments. This can help you ensure the debt is properly reported and resolved.
Can MSA arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets. If you are facing aggressive collection tactics, legal options are available, and you may be able to recover money through legal action if your rights are violated.
The following is a sample list of complaints filed against Mid-South Adjustment Co. in the past and can be found on Pacer.org.
4:15-cv-00427-KGB Wood v. Mid-South Adjustment Co
2:16-cv-00094-BSM Newburn v. Mid-South Adjustment Co
4:15-cv-00022-JM De Clue v. Mid-South Adjustment Co
6:19-cv-06120-SOH Parker v. Mid-South Adjustment Co
About Us
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.
Consumer Rights Law Firm 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 at www.consumerlawfirmcenter.com. Legal action can be a powerful tool to stop harassment and recover damages.
Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful, and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“Because of a lie from a third-party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
Check out the links below for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
Arkansas Attorney General
