MSCB Inc Debt Collection: Settle Medical Debt Fast

An unfamiliar debt collector on your credit report can trigger instant panic. MSCB, Inc. showing up makes things even harder to resolve.

You might be wondering who they are and how to settle your debt. You’re in the right place.

MSCB, Inc. Sued You? Respond in Minutes

Don't let MSCB, Inc. win by default. File your Answer and negotiate a settlement before they garnish your wages. Most people settle medical debt for 40-60% less.

Respond to MSCB Summons

Who Is MSCB, Inc.?

MSCB, Inc. is a medical debt collection agency based in Paris, Tennessee. The company was founded in 1977.

The initials stand for Mid-South Credit Bureau. They only collect unpaid medical bills.

MSCB, Inc. Contact Information

Ready to negotiate your debt? Use these contact details:

Phone: (800) 905-8067
Address: 1410 Industrial Park Rd, Paris, TN 38242
Email: customerservice@mscb-inc.com
Website: mscbinc.com

Keep in mind they may call from different phone numbers.

Settling an MSCB, Inc. Lawsuit

You received a Summons and Complaint from MSCB, Inc. You can still settle your debt.

You need to act quickly to avoid a default judgment. Each state gives you a specific deadline to respond.

Respond in time and the lawsuit continues toward trial. During that period, you can send a settlement offer.

Miss the deadline and MSCB, Inc. wins by default. A judgment allows them to garnish your wages immediately.

You can negotiate after a default judgment, but it becomes much harder. The collector will keep garnishing wages until you settle or pay in full.

Best Practices to Settle Before Your Court Date

Follow these steps to negotiate with MSCB, Inc. successfully:

File an Answer with our partner Solo to block a default judgment
Calculate your maximum payment: (monthly income – monthly costs) + savings
Make an initial offer below your maximum amount
Prepare for multiple rounds of negotiation
Get the final agreement in writing
Only mention bankruptcy if you truly qualify

Settling Debt Before a Lawsuit

MSCB, Inc. called or sent a letter demanding payment. You could pay immediately through their online portal.

We recommend requesting debt validation first. Validation requires the collector to prove several key facts.

What Debt Validation Proves

A collector must demonstrate that:

The debt actually belongs to you
They have legal authority to collect it
They validly purchased the debt from the original creditor
They’re licensed to operate in your state
The statute of limitations hasn’t expired

The Fair Debt Collection Practices Act gives you the right to request validation. If they can’t validate it, you don’t have to pay.

Send MSCB Inc. a debt validation letter as your first step.

No response to your validation letter means you’re clear until they provide proof. Continued collection without validation may violate the FDCPA.

If they validate the debt, offer to settle immediately. Otherwise, prepare to defend yourself in court.

Settlement Example

Maria receives a letter from MSCB, Inc. claiming she owes $1,500 in medical debt. She sends a Debt Validation Letter through our partner Solo.

MSCB, Inc. validates her debt with proper documentation. Maria then offers 60% of the balance to settle.

After two rounds of negotiation, they agree on $1,000. Maria pays and her debt is settled forever.

MSCB, Inc. Reviews and Complaints

Research any debt collector before you respond to their demands. We checked MSCB, Inc.’s reputation across multiple platforms.

Google reviews show 18 total reviews averaging one star out of five. Users reported automated calls and representatives refusing to identify their company.

The Better Business Bureau gives them an A+ rating. They’ve been BBB accredited since 2009.

The Consumer Financial Protection Bureau lists over two dozen formal complaints. Common issues include:

Failure to validate debt when requested
Loud background noise instead of customer service
Representatives refusing to identify their employer
Rude or threatening language from employees

MSCB, Inc. may be difficult to work with during settlement negotiations. However, they have fewer complaints than many other medical debt collectors.

Take Control of Your Medical Debt Today

Dealing with medical debt collectors doesn’t have to be overwhelming. Proper preparation and strategy can help you settle for less.

View settlement as a collaborative process, not a battle. Both you and the collector benefit from reaching an agreement.

The right tools make negotiating easier and remove guesswork from legal forms. You can get closer to a debt-free life starting today.

Frequently Asked Questions

What is MSCB, Inc. and why are they contacting me?

MSCB, Inc. (Mid-South Credit Bureau) is a medical debt collection agency based in Paris, Tennessee. They're contacting you because they purchased unpaid medical bills from a hospital, doctor's office, or other healthcare provider. They specialize exclusively in collecting medical debt.

How do I validate debt with MSCB, Inc.?

Send MSCB, Inc. a debt validation letter within 30 days of their first contact. Under the Fair Debt Collection Practices Act, they must prove the debt is yours, they have legal authority to collect it, and the statute of limitations hasn't expired. If they can't validate it, you don't have to pay.

Can I settle my MSCB, Inc. debt for less than I owe?

Yes, MSCB, Inc. often accepts settlement offers for less than the full balance. Start by offering 60% or less of what you owe. Calculate your maximum affordable payment first, then offer below that amount. Be prepared to negotiate through several rounds before reaching an agreement.

What happens if MSCB, Inc. sues me?

If MSCB, Inc. files a lawsuit, you must respond before your state's deadline to avoid a default judgment. File an Answer to block automatic judgment, then negotiate a settlement before your court date. If they win a judgment, they can garnish your wages and bank accounts.

How do I contact MSCB, Inc. to negotiate?

Call MSCB, Inc. at (800) 905-8067 or email customerservice@mscb-inc.com. Have your account number ready and know your maximum settlement amount before you call. Always get any settlement agreement in writing before making payments.

MSCB, Inc. Debt Collection: Settle Your Medical Debt Fast