Is Mid South Credit Collections (MSCC) calling you? Stop Mid South Credit Collections phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so, what they are doing is illegal and needs to stop. You have the legal right to stop MSCC phone harassment, and you have options for dealing with aggressive collection tactics.
If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages. In addition, the debt collector may also be required to pay your attorney’s fees and costs, so you won’t have to worry about upfront legal fees when pursuing your rights.
Who is Mid South Credit Collections?
Mid South Credit Collections, also known as Mid-South Adjustment Co., is a third-party debt collection agency located in Decatur, Alabama. They often work with healthcare, utilities, and banking companies to collect debts. Mid South Credit Collections Better Business Bureau.
The agency has been involved in federal court cases, and consumers have accused them of illegal and harassing tactics to pressure payments.
- Address: PO Box 5455, Decatur, AL 35601-0455
- Phone: (256) 353-1253
How Mid South Credit Collections Harasses You?
You may have a case if MSCC uses aggressive or illegal tactics, including:
| Tactic | Description |
|---|---|
| Profanity or abusive language | Using offensive words or threats to intimidate you |
| Illegal calling hours | Calling before 8:00 a.m. or after 9:00 p.m. |
| Multiple calls per week | Repeatedly contacting you to pressure payment |
| Discussing your debt with others | Talking to family, neighbors, or coworkers about your debt |
| Workplace calls | Contacting you at work without permission |
| Threats of lawsuits, harm, or credit damage | Intimidating you to pay faster |
| False accusations | Claiming you committed a crime |
| Wrong-person calls | Calling repeatedly for someone else |
| Failure to notify rights | Not informing you of your right to dispute the debt |
| Over-collection | Attempting to collect more than legally allowed |
If you cannot pay in full, you may be able to negotiate a payment plan with MSCC.
Mid South Credit Collections Phone Numbers
If you are receiving calls from the following numbers, you may be experiencing harassment:
- 256-353-1253
- (256) 353-1253
- 2563531253
There may be other numbers used by MSCC. Always confirm the caller is legitimate before giving any personal information.
Complaints & Lawsuits Against MSCC
MSCC has faced multiple complaints in federal courts. One example on Pacer.gov.
🔗 2:09-cv-00445-IPJ Hatcher v.
Consumers have filed complaints over harassment, illegal collection practices, and FDCPA violations. If you believe MSCC is violating your rights, you can take legal action.
Identity Theft & Debt Collection Scams
Sometimes calls from MSCC or similar agencies may be linked to identity theft. Protect yourself:
Monitor your credit report: Get free reports from Experian, TransUnion, and Equifax at least once a year.
Verify debt collector information: Confirm company name, address, and phone number before sharing personal info.
Be alert to suspicious calls: Hang up if threats or aggressive tactics are used, and contact the company using verified numbers.
Protect personal data: Keep Social Security numbers, bank details, and passwords secure.
Consider freezing your credit: Prevents unauthorized accounts from being opened in your name.
If you’re a victim of identity theft or harassment, contact a reputable law firm experienced in debt collection cases. Federal law protects you from abusive practices.
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. We offer a free consultation to discuss your situation with no upfront fees. Rather than suffer alone, contact our office to begin the process to stop the Mid South Credit Collections harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Clients may be eligible for debt relief and could recover money or even more money through damages if their rights have been violated. If you are interested in learning more about how to safeguard yourself and prevent harassment from Mid South Credit Collections, call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 From my very first contact with CRLF, I felt heard and supported. They guided me through every step, and within a week, the harassment from the collector stopped. Their professionalism and legal knowledge truly made a difference. Highly recommend CRLF to anyone facing consumer-rights issues.
- 🏆 CRLF provided excellent legal support. My case was resolved favorably and I finally felt at peace. The only downside was a slight delay in communication updates. Overall, their expertise and results far outweighed that small hiccup.
- 🏆 I was feeling overwhelmed by ongoing debt collection calls until I reached out to CRLF. Their team was empathetic and knowledgeable, explaining my rights clearly and handling everything with care. The calls stopped, and I could breathe again. Highly satisfied!
- 🏆 I didn’t realize how much power I had until CRLF stepped in. What started as overwhelming, stressful calls quickly turned into a manageable situation. Their legal team helped me secure compensation for the harassment. I’m beyond grateful.
FAQs
Is MSCC a scam?
No, Mid South Credit Collections has been in business for 18 years.
Can MSCC garnish my wages?
Yes, MSCC can garnish your wages only if they have sued you and obtained a judgment from the courts, or in the case of a Federal Student loan.
Can MSCC sue me?
Yes, MSCC can sue you if the debt is valid and within the statute of limitations. Only the original creditor or a collection agency can file a lawsuit to collect a debt. If you are sued, it is important to respond promptly to avoid a default judgment.
Can MSCC report my debt to the collection bureaus?
Yes, MSCC or the original creditor can report your debt to the credit bureaus. However, if inaccurate information is reported, such as a debt that has already been paid or errors due to identity theft, it can negatively affect your credit report and result in higher interest rates or denial of credit. You have the right to dispute any inaccurate information on your credit report.
Can MSCC arrest me?
No, you cannot be arrested for failing to pay a debt. However, you should pay attention to any legal notices you receive regarding your debt.
