How to Resolve a Debt with Mid-South Adjustment

Being in debt happens to millions of people. Outstanding credit cards and medical bills often end up with collection agencies like Mid-South Adjustment.

After a collection agency obtains your debt, it starts sending letters. Employees may call you and contact you through social media. You need to know how to handle Mid-South Adjustment quickly and effectively.

What is Mid-South Adjustment?

Mid-South Adjustment is a debt collection agency operating for over 35 years. Companies in healthcare, utilities, and banking sectors hire them to collect overdue accounts.

Here is Mid-South Adjustment contact information:

• Phone: 870-536-9600
• Mailing address: P.O. Box 5270, Pine Bluff, AR 71611
• Physical address: 200 East 11th Suite K, Pine Bluff, AR 71601

Mid-South Adjustment Reviews

Mid-South Adjustment has poor consumer reviews. The company has a 1.7/5 star rating on Google reviews. The Better Business Bureau gives it a D- rating with 1/5 stars.

The Consumer Financial Protection Bureau has received numerous complaints against Mid-South Adjustment. Most complaints allege the company tries collecting already paid debts. Others report incorrect information to credit bureaus and fail to validate debts.

Here’s a real complaint against Mid-South Adjustment:

“Mid South Adjustments put a collection account on my credit report. The account was paid in full to my creditor before MSA put it on my credit report. I want it removed and MSA investigated for putting accounts on credit reports without first making contact.”

Federal law gives you rights that protect you from unfair collection practices. One critical right involves debt validation.

Make Mid-South Adjustment Validate Your Debt

Most collection agencies start by sending you a formal letter. You may receive phone calls too. Read any letter from Mid-South Adjustment carefully.

Prepare a Debt Validation Letter before sending any money. You need to ensure the company owns your debt legally.

In your Debt Validation Letter, request:

• Their debt collection license number in your state
• Verification they own your debt and can collect it
• The debt’s age compared to your state’s statute of limitations
• The last transaction made on your account
• A breakdown of the total amount, including fees and interest
• The original creditor’s name and your account number

After Mid-South Adjustment receives your letter, it must provide this information. The agency cannot continue collections without providing these details. Dispute any negative credit bureau reports if they fail to respond.

Mid-South Adjustment Validated My Debt—Now What?

Suppose Mid-South Adjustment responds with your requested information. You now have options to resolve the debt before escalation.

You can repay the debt in full. If the debt is relatively small, you might afford full payment. Call the company to arrange payment or send a check. Keep copies for your records.

You can also arrange a payment plan. Most collection agencies allow monthly payments until you satisfy the obligation. However, they may continue reporting to credit bureaus.

Failure to repay or arrange payment can lead to a lawsuit. You must take action if Mid-South Adjustment sues you.

Respond to a Debt Lawsuit

When sued for debt, you receive a Summons and Complaint. The Summons notifies you of the case details. The Complaint outlines each claim against you.

You must respond with a written Answer document. In your Answer, you should:

• Respond to each claim by admitting, denying, or denying due to lack of knowledge
• Include affirmative defenses—legal reasons you shouldn’t be held liable

Our partner Solo can help you draft and file an Answer. The software makes creating a legal Answer easy in minutes. Solo can even file the Answer with your court.

Filing an Answer prevents a default judgment. Default judgments occur when you fail to respond before the deadline. With default judgments, collectors can garnish wages, seize property, and freeze accounts. An Answer blocks default judgment and gives time to negotiate settlement.

Settle Your Debt with Mid-South Adjustment

Debt settlement offers Mid-South Adjustment a portion of the amount due. The agency reviews your offer and decides whether to accept it. If accepted, you transfer the money and they forgive the remainder.

Most experts recommend offering at least 60% of the debt’s value. If your finances don’t allow that much, explain your situation clearly.

Our partner Solo offers tech-based debt settlement. The software helps you send and receive settlement offers. Once you reach an agreement, Solo helps manage documentation and payment transfers.

Debt Settlement Example

Marie receives a letter from Mid-South Adjustment about a $750 hospital debt. She sends a Debt Validation Letter and receives confirmation details. Marie cannot repay the full amount immediately.

Eventually, Marie gets sued for the unpaid debt. She responds to the lawsuit, buying herself time to explore options. She sends a settlement offer of $400 to Mid-South Adjustment.

The company accepts Marie’s payment. Mid-South Adjustment sends her a receipt and confirmation they forgave her remaining balance. They dismiss the case.

Communicate to Resolve Your Debt

Most collection agencies will work with you if you communicate. If you avoid them and refuse to respond, they become aggressive. Lawsuits become more likely.

Peaceful resolution is more likely when you attempt repayment or settlement. Always send a Debt Validation Letter first. Receive the requested information before sending any money.

Don’t let Mid-South Adjustment overwhelm you. You have rights and options available. Take action today to resolve your debt on your terms.