Mid South Credit Collections Phone Harassment?
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.
Is Mid South Credit Collections a Scam?
According to the Better Business Bureau website, Mid South Credit Collections has been in business for 18 years.
Mid South Credit Collections Better Business Bureau
Who is Mid South Credit Collections?
Mid South Credit Collections is a third party debt collection agency located in Decatur, Alabama. Also known as Mid South Adjustment, the company has been a party to a Federal Court case several times. As a debt collection agency, Mid South Adjustment has been accused of violating consumer rights, with common complaints including illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
Address: PO Box 5455
Decatur, AL 35601-0455
Phone: (256) 353-1253
Mid South Credit Collections Collection Tactics
If Mid South Credit Collections engages in any of the following tactics to collect debts, especially through aggressive or potentially illegal methods, you may have a case. Be aware of your rights when collectors are collecting:
- 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
If you are unable to pay the full amount, you may be able to negotiate a payment plan with the agency to repay the debt over time.
Mid South Credit Collections Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
256-353-1253, (256) 353-1253, 2563531253
If the answer is yes, then you are receiving calls from a known MSCC number. You may be a victim of MSCC phone harassment. The list above is not all the numbers used by Mid South Credit Collections. There are many numbers used by Mid South to contact debtors, so be cautious of any numbers used by Mid South that you do not recognize. If you receive a call, you have the right to speak with a live person rather than an automated message, and you should respond to any legitimate communication to protect your rights. The calls can be from a different number and it still be Mid South Credit Collections calling you. Contact our office right away so we can start the process to stop MSCC from calling you illegally. Above all, no one should live with harassment!
Common Questions
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.
Note: If you have already paid a debt, it should not be reported as unpaid. You have the right to dispute any inaccurate information on your credit report.
The following is a sample list of complaints filed against Mid South Credit Collections in the past and can be found on Pacer.org.
2:09-cv-00445-IPJ Hatcher v. Mid-South Credit Collections
A complaint can be filed by consumers or companies who have issues with Mid South Credit Collections. Mid South Credit Collections works with various companies in industries such as healthcare, utilities, and banking, which may lead to a range of complaints. This case involves a formal complaint filed against the agency, highlighting the legal rights of those who experience misconduct by debt collectors.
Identity Theft Protection: Safeguarding Yourself from Fraudulent Collection Activity
Identity theft is a serious threat that can leave you vulnerable to fraudulent debt collection activity. If someone gains access to your personal information, they may open accounts or accumulate debts in your name, leading to unexpected phone calls from debt collectors or collection agencies like Mid South Adjustments. Unfortunately, many consumers only discover identity theft when a collection agency or debt collector contacts them about a debt they don’t recognize.
To protect yourself from identity theft and avoid falling victim to fake debt collectors or inaccurate collection attempts, it’s crucial to stay vigilant. Here are some essential steps you can take:
- Monitor Your Credit Report RegularlyRequest your free credit report from each major credit bureau—Experian, TransUnion, and Equifax—at least once a year. Review your report for unfamiliar accounts, debts, or inquiries. If you spot anything suspicious, dispute it immediately with the credit bureau to prevent further damage.
- Verify Debt Collector InformationIf you receive a call from a debt collector or collection agency, always ask for their name, company, address, and telephone number. Cross-check this information with the Better Business Bureau or the Federal Trade Commission to confirm the business is legitimate. Never provide personal or financial information to a company you haven’t verified.
- Be Alert to Suspicious Phone CallsScammers often use harassing phone calls or aggressive tactics to pressure you into paying debts you don’t owe. If a caller uses threatening language or demands immediate payment, hang up and contact the company directly using a verified phone number. Legitimate collection agencies and law firms will provide written validation of the debt and respect your rights under federal law.
- Protect Your Personal InformationKeep your Social Security number, bank account details, and other sensitive information secure. Use strong passwords, avoid sharing personal data over the phone or online unless you are certain of the recipient’s identity, and consider using encryption for digital records.
- Consider Freezing Your CreditA credit freeze with each credit bureau can prevent identity thieves from opening new accounts in your name. This is a powerful tool to stop unauthorized debts from appearing on your credit report and can give you peace of mind.
If you believe you are a victim of identity theft or are being contacted by a collection agency about debts that aren’t yours, don’t hesitate to seek help. Contact a reputable law firm experienced in debt collection harassment and identity theft cases. They can assist you in disputing fraudulent accounts, stopping harassing calls, and recovering damages. Remember, federal law—including the Fair Debt Collection Practices Act—protects you from abusive practices by debt collectors and collection agencies. By staying proactive and informed, you can safeguard your financial future and ensure your rights as a consumer are protected.
About Us
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 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
Check out the links below for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
https://consumerlawfirmcenter.com/american-credit-bureau-phone-harassment/
https://consumerlawfirmcenter.com/a-i-t-credit-services-phone-harassment/
https://consumerlawfirmcenter.com/benjamin-michael-associates-phone-harassment/
https://consumerlawfirmcenter.com/alacrity-collections-corp-phone-harassment/
https://consumerlawfirmcenter.com/bilateral-credit-corp-phone-harassment/
https://consumerlawfirmcenter.com/collection-center-inc-phone-harassment/
https://consumerlawfirmcenter.com/pierce-hamilton-stone-collections-debt-collection-harassment/
https://consumerlawfirmcenter.com/automated-collection-services-phone-harassment/
https://consumerlawfirmcenter.com/credit-international-corp-debt-collection-harassment/
