Tri-State Adjustments Phone Harassment?
Is Tri-State Adjustments (TSA) calling you? Stop Tri-State Adjustments 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? Consumers may be contacted or contacted repeatedly by debt collectors, and contacting can include unwanted calls or even illegal robocalls. 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 TSA phone harassment. Dealing with debt collectors requires understanding your rights when being contacted. 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, and you may also be eligible to recover damages and court costs.
Is Tri-State Adjustments a Scam?
According to the Better Business Bureau website, Tri-State Adjustments has been in business for 29 years. There have been 9 complaints filed against TSA with the BBB.
The BBB profile page for Tri-State Adjustments provides important information about the company.
Tri-State Adjustments Better Business Bureau
Who is Tri-State Adjustments?
Tri-State Adjustments is a third party debt collector located in La Crosse, Wisconsin. As a debt collection agency, they are responsible for collecting debts on behalf of a creditor, and their collection efforts can include a range of services tailored to recover unpaid debts. TSA has been a party to a Federal Court case over 55 times. Tri-State Adjustments may pursue legal action, including suing consumers, as part of their collection efforts. 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.
Address: 3439 East Ave S
La Crosse, WI 54601-7241
Phone: (608) 788-8683
Tri-State Adjustments is often referred to or searched for by other names. These include:
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Tri-State Adjustments is considered a legit company and offers a variety of collection services to their clients. Tri State Adjustments collect debts for various creditors and industries.
Understanding Debt Collection Harassment
Debt collection harassment occurs when debt collectors, such as Tri-State Adjustments, use unfair or aggressive tactics to pressure consumers into paying debts. This can include repeated calls at inconvenient times, threats, or making false statements about the amount owed. Under the Fair Debt Collection Practices Act (FDCPA), consumers are protected from these abusive practices. The law requires debt collectors and any debt collection agency to follow fair debt collection practices, including providing accurate information, respecting your right to dispute debts, and verifying debts upon request. If you feel overwhelmed by calls or believe Tri-State Adjustments is violating your rights, remember that federal laws are in place to protect you. You have the right to demand verification of the debt and to dispute any information you believe is incorrect. Understanding your rights under the collection practices act (FDCPA) is the first step in stopping debt collection harassment and taking control of your financial situation.
Tri-State Adjustments Collection Tactics
Tri-State Adjustments, like many debt collectors, uses a variety of methods to collect debts, including phone calls, letters, and emails. While some of these tactics are legal, others may cross the line into harassment. For example, calling consumers multiple times a day, using obscene language, or attempting to collect debts that are not owed or are potentially inaccurate are all red flags. If you receive calls from Tri-State Adjustments or any debt collector, pay close attention to the details of the communication. Are they providing clear information about the debt? Are they respectful, or do they use aggressive or inappropriate language? If you suspect the company is attempting to collect debts you do not owe, or if their calls become excessive, you have the right to ask for written verification and to dispute the debt. Keeping a record of all calls and correspondence can help protect you if you need to take further action against the collector.
Tri-State Adjustments Collection Tactics
If Tri-State Adjustments engages in any of the following tactics, you may have a case:
- Contacting your employer about your debt without your consent.
- Attempting to collect on a variety of financial obligations without allowing you to verify the legitimacy of these claims.
Tri-State Adjustments Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
608-788-8683, 800-562-3906, 877-616-8681, (608) 788-8683, (800) 562-3906, (877) 616-8681, 6087888683, 8005623906, 8776168681
If the answer is yes, then you are receiving calls from a known TSA number. You may be a victim of TSA phone harassment. The list above is not all the numbers that TSA uses. The calls can be from a different number and it still be Tri-State Adjustments calling you. Contact our office right away so we can start the process to stop TSA from calling you illegally. You can also take steps to remove Tri-State Adjustments from your credit report if the debt is not valid. Before making any payments or responding to calls, always verify debts to ensure they are accurate and legitimate. You have the right to send a letter in writing to request verification of the debt or to dispute the debt with Tri-State Adjustments. Above all, no one should live with harassment!
Credit Report and Debt Collection
Your credit report is a vital record of your financial history, including debts, payments, and any collection accounts reported by agencies like Tri-State Adjustments. When a debt collection agency reports a collection account to the credit bureaus, it can significantly impact your credit score and your ability to obtain new credit. The Fair Credit Reporting Act (FCRA) gives consumers the right to dispute any inaccurate or incomplete information on their credit reports. If Tri-State Adjustments or other collection agencies have reported debts you do not recognize or that are incorrect, you can file a dispute with the credit bureaus to have the information reviewed and potentially removed. It’s important to regularly review your credit report, monitor for errors, and ensure all payments and accounts are accurately reflected. Staying proactive can help you protect your credit and resolve issues before they cause long-term damage.
Debt Collection Agency Regulations
Debt collection agencies, including Tri-State Adjustments, are required to follow strict regulations set by federal and state laws such as the FDCPA and FCRA. These laws outline how debt collectors can communicate with consumers, how debts must be verified, and the process for resolving disputes. If a debt collector fails to comply with these regulations, consumers have the right to file complaints with organizations like the Better Business Bureau, the Federal Trade Commission, or their state Attorney General’s office. These agencies investigate complaints and can take action against businesses that engage in unfair or deceptive practices. If you believe your rights have been violated, don’t hesitate to seek help and report the collector’s behavior.
Is TSA a scam? No, Tri-State Adjustments has been in business for 29 years.
Can Tri-State Adjustments garnish my wages? Yes, TSA can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can TSA sue me? Yes, TSA can sue you so long as the debt is within the statute of limitations. You should determine whether the debt is valid and still within the statute of limitations before responding.
Can TSA report my debt to the collection bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report. Consumers may attempt to send a goodwill letter to request removal of negative information from their credit report, though success is not guaranteed.
Can TSA arrest me?
The following is a sample list of complaints filed against Tri-State Adjustments in the past and can be found on Pacer.org.
2:12-cv-00620-LA Trease v. Tri-State Adjustments Inc
2:13-cv-00378-WEC Schaefer v. Tri-State Adjustments Inc
2:14-cv-00297-WEC Marsicek v. Tri-State Adjustments Inc
2:15-cv-00595-CNC Gawronski v. Tri-State Adjustments Inc
2:18-cv-01662-WED Loveland v. Tri-State Adjustments Inc
Importance of Keeping Records
Maintaining detailed records of all interactions with debt collectors, including Tri-State Adjustments, is essential for protecting your rights. Keep a log of every call, including the date, time, and the name of the person you spoke with, as well as the content of the conversation. Save all written correspondence, emails, and payment receipts. These records can be invaluable if you need to dispute a debt, prove payments, or demonstrate that a debt collector has violated the FDCPA or other regulations. Accurate documentation strengthens your case and helps ensure that your financial records are correct and up to date.
Seeking Help and Resources
If you’re facing debt collection harassment or struggling to resolve issues with Tri-State Adjustments, you don’t have to handle it alone. Reaching out to a reputable credit repair company, a consumer protection attorney, or a non-profit credit counseling agency can provide you with the support and guidance you need. These professionals can help you understand your rights, dispute inaccurate debts, and communicate effectively with debt collectors. Additionally, you can file complaints with the Better Business Bureau or other regulatory agencies to report unfair practices. Taking action and seeking help can empower you to resolve disputes, protect your credit, and put an end to debt collection harassment.
is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Tri-State Adjustments harassment. Our office has been assisting consumers since 2010. We have helped thousands of clients deal with debt collection harassment. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Tri-State Adjustments call us at (877)700-5790 for immediate assistance or visit our website at
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