Stop Merchants Adjustment Service Phone Harassment!
Is Merchants Adjustment Service harassing you with constant phone calls? Have you been threatened with legal action or wage garnishment? 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 their 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.
Merchants Adjustment Service has received complaints and legal actions related to their debt collection practices.
The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
If you have questions about your rights or the process, please reach out for assistance.
Are they a scam?
According to the Better Business Bureau website, They have been in business since 1965. There have been 32 complaints closed in the last 3 years and 15 complaints closed out in the last 12 months.
Merchants Adjustment Service
What is Merchants Adjustment Service?
Merchants Adjustment Service was founded as a medical collection agency specializing in collecting medical bad debt and providing comprehensive service medical collections. In addition to medical collections, they also handle commercial debt collections, offering a full range of professional services tailored to various industries. Their team of highly trained employees ensures professionalism and effective results. Merchants Adjustment Service provides services across the entire Southeastern United States, serving clients beyond just local markets. Their vision is to foster a healthy and prosperous credit industry for both consumers and creditors.
Address: 56 N Florida St Mobile, AL 36607-3108 Phone: (251) 476-6666 Fax: (251) 476-6669
Merchants Adjustment Service
If they engage in any of the following tactics, you may have a case:
A legal team can help determine if you have a valid case against Merchants Adjustment Service based on the information you provide.
There are also legal means available to consumers to enforce their rights and seek remedies if their rights have been violated.
Merchants Adjustment Service Collection Call Numbers
(800) 239-6043 & (251) 476-6666
If the answer is yes, then you are receiving calls from a known Merchants Adjustment Service number. You may be a victim of Merchants Adjustment Service phone harassment. The list above is not all the numbers that Merchants Adjustment Service uses. The calls can be from a different number and it still be Merchants Adjustment Service calling you. Contact our office right away so we can start the process to stop them from calling you illegally. Above all, no one should live with harassment!
Take a moment to fill out the consultation form on this page to get help stopping harassment.
How Merchants Adjustment Service Affects Your Credit Report
When Merchants Adjustment Service becomes involved in collecting a debt, the consequences can extend far beyond persistent phone calls. As a collection agency, Merchants Adjustment Service can report your debt to the major credit bureaus, which may result in a negative entry on your credit report. This negative mark can lower your credit score, making it more difficult to qualify for loans, credit cards, or even certain jobs in the future.
It’s important for consumers to understand their rights under the Fair Credit Reporting Act (FCRA), which regulates how collection agencies like Merchants Adjustment Service report debt information. The FCRA ensures that only accurate and verifiable information appears on your credit report, giving you the right to dispute any errors. Staying informed about how debt collection impacts your credit is the first step toward protecting your financial health.
Understanding Credit Reporting and Collection Accounts
Once a debt is sent to a collection agency such as Merchants Adjustment Service, it can remain on your credit report for up to seven years—even if you pay it off. This long-lasting impact makes it essential to regularly check your credit report for accuracy. If you notice a collection account from Merchants Adjustment Service or any other adjustment service, review the details carefully to ensure all information is correct.
Collection agencies are required by law to provide accurate information to the credit bureaus. If you find any discrepancies or outdated information, you have the right to dispute it. Monitoring your credit report helps you catch errors early and take action to protect your credit standing.
How to Dispute Errors on Your Credit Report
If you discover an error related to Merchants Adjustment Service on your credit report, start by obtaining a current copy of your report from the major credit bureaus. Carefully review the details of the debt and gather any supporting documentation that proves the information is incorrect.
Next, contact the credit bureau in writing to dispute the error, providing copies of your evidence. The bureau is required to investigate your claim and update your credit report if the information is found to be inaccurate. You can also reach out directly to Merchants Adjustment Service to resolve any disputes. Always keep records of your communications with both the collection agency and the credit bureaus to ensure your rights are protected throughout the process.
Steps to Stop Merchants Adjustment Service Harassment
If you’re experiencing relentless calls or other forms of harassment from Merchants Adjustment Service, you don’t have to face it alone. The Fair Debt Collection Practices Act (FDCPA) gives you the right to put an end to abusive or unfair collection tactics. One effective step is to send a written cease and desist letter to the collection agency, formally requesting that they stop contacting you about the debt.
If Merchants Adjustment Service continues to harass you after receiving your request, you can file a complaint with the Better Business Bureau (BBB) or the Federal Trade Commission (FTC). These organizations can investigate your claims and hold the collection agency accountable if they have violated your rights under the FDCPA. Remember, you have the power to demand fair treatment and to take action if those rights are ignored.
Know Your Rights: Fair Debt Collection Practices
As a consumer, you are protected by the FDCPA from unfair and abusive practices by debt collectors, including those at Merchants Adjustment Service. Debt collectors are not allowed to contact you at unreasonable hours, use threatening or obscene language, or misrepresent the amount you owe. They must also provide you with written notice of the debt, including the name of the creditor and the amount due.
If you believe that Merchants Adjustment Service or any adjustment service has violated your rights, you can seek help from a consumer protection attorney or a reputable credit counseling agency. The law allows you to recover damages and attorney’s fees if you win a lawsuit against a debt collector who has broken the rules. Understanding your rights is the first step toward stopping harassment and holding debt collectors accountable.
Taking Action: Filing Complaints and Seeking Help
If you feel that Merchants Adjustment Service has crossed the line, don’t hesitate to take action. You can file a complaint with the FTC, the BBB, or your state’s Attorney General’s office to report any violations of the FDCPA. These agencies are there to help consumers like you and can provide valuable guidance on how to proceed.
Additionally, reaching out to a consumer protection attorney or a credit counseling service can give you the support and information you need to resolve your situation. These professionals can help you understand your rights, navigate the debt collection process, and ensure that you are treated fairly. For more information about your rights and the laws that protect you, visit the websites of the Federal Trade Commission or the . Remember, you have the right to stand up to unfair debt collection practices and to seek help when you need it.
Is their a scam? No, They have been in business since 1965.
Can they seize my property? They can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtain a judgment against you, the debt collector may be able to take certain property as permitted by the court.
Can they sue me? Yes, they can sue you so long as the debt is within the statute of limitations.
Can they report my debt to the collections bureaus?
Can they arrest me?
The following is a sample list of complaints filed against Merchants Adjustment Service and can be found on Pacer.org.
4:19-cv-00144-RH-CAS GOWANS v. MERCHANTS ADJUSTMENT SERVICE INC et al
2:17-cv-00393-WS-MU Congress v. Merchants Adjustment Service, Inc.
3:16-cv-00166-MCR-EMT GALLEGOS v. MERCHANTS ADJUSTMENT SERVICE INC
3:16-cv-00163-MCR-EMT RYALS v. MERCHANTS ADJUSTMENT SERVICE INC
2:15-cv-00171-AKK Minor v. Merchants Adjustment Service Inc
These court cases often involve legal requests and motions related to debt collection practices.
is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. We have helped thousands of clients and have extensive experience assisting thousands of individuals with debt collection and harassment issues. Our approach is to treat every client like friends, caring deeply about your peace of mind and well-being. We are committed to maintaining a healthy and prosperous credit industry, supporting both consumers and creditors alike with integrity and fairness so all can prosper. Rather than suffer alone, contact our office to begin the process to stop their harassment. 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 even more harassment from Merchants Adjustment Service, call us at
“What an amazing experience I had with Consumer Rights Law firm. I kept getting constant calls from a debt collector who was asking for someone I didn’t know. After explaining over and over I was not the person they were looking for, The calls still continued, and it became frustrating and very annoying. I came across this firm and just called to talk to someone to see how I could get the calls to stop. I spoke to a gentleman that was very professional and very helpful. Not only did they get the calls to stop immediately, but they were also able to put some money in my pocket as well, Here’s the best thing, it cost me nothing for them to help me. They come highly recommended. Thank you Consumer Rights”
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff was very courteous and helpful and they were familiar with the Collection Agencies 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.”
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights.”
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