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 consumersâ 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 Merchants Adjustment Service 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.
Read more here: Merchants Adjustment Service Better Business Bureau
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 Collection Tactics
If they engage 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 youâve 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 experience any issue with these tactics, you may have grounds for legal action
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 Phone 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 different phone numbers 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.
Itâs 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 youâre experiencing relentless calls or other forms of harassment from Merchants Adjustment Service, you donât 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 attorneyâs 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.
Filing Complaints and Seeking Help
If you feel that Merchants Adjustment Service has crossed the line, donât hesitate to take action. You can file a complaint with the FTC, the BBB, or your stateâs Attorney Generalâs 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.
Complaints Against Merchants Adjustment Service
The following is a sample list of complaints filed against Merchants Adjustment Service and can be found on Pacer.gov.
| Case Number | Case Name |
|---|---|
| 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.
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. 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.
If you are interested in learning more about how to safeguard yourself and prevent even more harassment from Merchants Adjustment Service, call us at 877-700-5790.
Success Stories
- I worked with Scott and he was an absolute pleasure! He was very swift, honest, resourceful, helpful. He reassured me that I would never be asked for any money out of my pocket. His assistance with settling my case lifted a huge weight off my shoulders! Thank you so much, Scott! God bless!
- Scott was amazing and very professional! He was very knowledgeable and took the time to explain everything and answer my questions. We were dealing with a very unprofessional debt collector. Im thankful I looked into our rights and what we could do and found Consumer Rights Law Firm. Dont ever let a debt collector try to bully you and tell you that you have no rights because you do!
- I had an excellent experience with Consumer Rights Law . Their customer service is truly the best in town. Whenever I needed help or had questions, they reached out or called me back as soon as possible. They kept me updated with daily details about my case, which gave me peace of mind throughout the entire process. I highly recommend this attorney to all my friends and colleaguesâprofessional, reliable, and genuinely committed to their clients.
Frequently Asked Questions
Who is Merchants Adjustment Service (MAS)?
Merchants Adjustment Service, Inc. is a third-party debt collection agency based in Mobile, Alabama, that handles medical, commercial, and consumer bad debt.
Is Merchants Adjustment Service legit or a scam?
MAS is a legitimate company. It is listed with the Better Business Bureau and is incorporated. However, many consumers report complaints of aggressive collection practices, which may violate the FDCPA.
What is considered phone harassment by Merchants Adjustment Service?
Harassment may include repeated calls, threatening language, calls outside allowed hours, calls to your workplace, or calls after you request they stop. Such actions can violate the Fair Debt Collection Practices Act (FDCPA).
How many phone calls from MAS are too many?
There is no precise number fixed in all cases, but repeated calls each day or more than seven calls in a seven-day period may be considered harassment under applicable laws or regulations.
Can MAS call me at work?
If MAS knows or should know that your employer prohibits such calls, or after you tell them to stop, continuing to call at work may violate your rights under the FDCPA.
What rights do I have to request validation of the debt from MAS?
You have the right to request verification or validation of the debt in writing within 30 days of MASâs first contact. They must cease collection activity until they provide documentation.
What should I do if MAS threatens legal action or wage garnishment?
Threats to sue, garnish wages, or take other legal action must be legitimate. If MAS makes false threats or misrepresents their intention, this may violate the FDCPA. Keep records, ask for proof, and consider seeking legal help.
Can I stop MAS from contacting me by phone?
Yes. You can send a written cease-and-desist (or stop calls) request. Once received, MAS may only contact you to confirm receipt or to inform you of legal rights or actions. Continued calls could be illegal.
What laws protect me from harassment by MAS?
The Fair Debt Collection Practices Act (FDCPA) and, in some cases, state laws protect you. These laws limit how, when, and where collection agencies may contact you.
Can I sue Merchants Adjustment Service for harassment and get compensation?
Yes. If MAS violates the FDCPA or other applicable laws, you may be able to sue for damages, attorney fees, and other relief. This can depend on your state and the severity of the violations.
