Sarah Edwards | September 13, 2023
Edited by Hannah Locklear
Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.
Summary: Mid-South Adjustment is a collection agency that pursues consumers for overdue obligations. If Mid-South Adjustment has contacted you about a debt, SoloSuit can help you request a debt validation, respond to a debt lawsuit, and settle your debt before going to court.
Being in debt isn’t something to be ashamed of. Millions of people have outstanding credit cards and medical obligations they can’t afford to pay, and many of those debts end up with a collection agency like Mid-South Adjustment.
After a collection agency obtains the right to collect your debt, it usually sends you letters. The agency’s employees may call you and sometimes contact you through social media accounts. If Mid-South Adjustment reaches out to you concerning a debt, you’ll want to know how to handle it quickly.
Sued for debt? Resolve your debt through debt settlement.
Mid-South Adjustment is a typical, garden-variety debt collection agency. Companies in various market sectors, including healthcare, utilities, and banks, contract with Mid-South Adjustment to collect overdue consumer accounts. The company, which is sometimes called Mid-South Adjustment Co., Inc., has been in business for over 35 years.
Below is the Mid-South Adjustment phone number and other contact information:
Mid-South Adjustment does not have great reviews. It has an average 1.7/5 star rating on Google reviews, and the Better Business Bureau (BBB) gives it a D- rating with average customer reviews at 1/5 stars. Interestingly, Mid-South Adjustment claims it is an accredited business with the BBB on its website. However, that doesn’t appear accurate, based on the company’s BBB profile.
On top of these poor reviews, the Consumer Financial Protection Bureau has received several complaints against Mid-South Adjustment.
Most of these complaints allege that Mid-South Adjustment tries to collect debts that have already been paid off, reports incorrect information to the credit bureaus, and fails to validate debts upon request.
Here’s an example of 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 the accounts they receive from clients on credit reports without first making contact with the person. They do this all the time. They put the account on the person's credit report as soon as they receive it. They must be stopped. This is not how it is supposed to work.”
Luckily, federal law gives you rights that protect you from unfair debt collection practices. One of these rights involves debt validation.
Most collection agencies kick off their activities by sending you a formal letter. You may receive a few phone calls, too. Once you get a letter from Mid-South Adjustment, read it carefully to see if you recognize the original debt and amount due.
Even if you recognize the obligation, preparing a Debt Validation Letter for Mid-South Adjustment is best before sending any money. That way, you can ensure the company owns your debt and has the right to collect it from you.
In your Debt Validation Letter, ask Mid-South Adjustment for the following information:
Once Mid-South Adjustment receives your letter, it must provide you with the requested information before it can continue collections. You shouldn't hear from the agency again if it doesn’t have the details available. However, you’ll want to dispute any negative items it reports to the credit reporting bureaus to avoid harm to your credit score.
Watch the following video to learn more about how to write a Debt Validation Letter:
Suppose Mid-South Adjustment responds to your Debt Validation Letter with the information you asked for. In that case, you’ll have some options to resolve the debt before matters escalate: repay the debt or set up a new payment arrangement.
A repayment involves sending Mid-South Adjustment the money owed in its entirety. If the debt is relatively small, you may be able to come up with the cash needed without too much effort.
Simply call the company to arrange payment over the phone or send a check through the mail. Keep a copy for your records in case the money isn’t applied to your account properly.
In a payment arrangement, you’ll agree to repay your debt over time, much like you would a traditional creditor. Most collection agencies allow you to make monthly payments until you pay off the obligation. However, they may continue to report your account to the credit reporting bureaus, which can harm your credit score.
Failure to repay the debt or work out a new payment plan can lead to a lawsuit. If you’ve been sued for debt, it’s important to take action.
When you get sued for a debt, you receive a Summons and Complaint in the mail. The Summons notifies you of the case and its details. The Complaint outlines each claim against you. It’s your responsibility to respond to these documents with a written Answer.
In your Answer document, you should:
SoloSuit can help you draft and file an Answer to your debt lawsuit. Our software makes it easy to create a legit, legal Answer that allows you to respond to all the claims against you and assert your affirmative defenses. It takes minutes to fill it out online, and SoloSuit can even file the Answer with your court so you don’t have to.
Filing an Answer prevents a default judgment. A default judgment is granted when the person being sued fails to respond to the case before the deadline (deadlines vary by state). With a default judgment, debt collectors can garnish your wages, seize your property, and freeze your bank account. But an Answer blocks a default judgment and gives time to work out a debt settlement.
A final option is debt settlement. In a debt settlement, you offer Mid-South Adjustment a portion of the amount due. It will review your offer and decide whether it’s acceptable or not. If it agrees to the settlement, you’ll transfer the money, and it will forgive the remaining amount due.
SoloSuit recommends offering at least 60% of the debt’s value, but it’s at your discretion. If your financial circumstances don’t allow you to pay that much, you can explain the situation and see if Mid-South will work with you.
Watch this video to learn more about how to settle a debt with Mid-South Adjustment:
SoloSettle, powered by SoloSuit, is a tech-based approach to debt settlement. Our software helps you send and receive settlement offers until you reach an agreement with the collector. Once an agreement is reached, we’ll help you manage the settlement documentation and transfer your payment to the creditor or debt collector, helping you keep your financial information private and secure.
Now, let’s explore an example of how to settle with Mid-South Adjustment.
Example: Marie receives a letter from Mid-South Adjustment, telling her she owes $750 for a hospital visit her health insurance didn’t cover. She sends the company a Debt Validation Letter, and it mails her the requested details confirming it owns her account. Marie can’t fully repay the debt at once, so ignores the collectors for while. Eventually, Maria finds out she’s being sued for the unpaid debt. She uses SoloSuit to respond to the case, buying herself time to explore other options. Next, she sends a settlement offer of $400 to Mid-South Adjustment, using the SoloSettle software. The company tells Maria it will accept the payment, so SoloSettle helps her transfer the money. Once the cash is applied to her account, Mid-South Adjustment sends her a receipt and confirmation that it has forgiven her remaining balance then dismisses the case.
Most collection agencies will work with you to resolve your debts if you communicate with them. If you avoid them and refuse to respond, they’ll become aggressive and may decide to sue you.
A peaceful resolution is more likely if you try to repay or settle the debt. However, make sure you send Mid-South Adjustment a Debt Validation Letter and receive the information you request before sending them any money.
Are you tired of receiving collection notices from Mid-South Adjustment? Try SoloSettle and resolve your debt fast.
SoloSuit makes it easy to fight debt collectors.
You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.
SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.
>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)
>>Read the MSN story about how SoloSuit can help you settle your debt
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.
Is your credit card company suing you? Learn how you can beat each one.
Going to Court for Credit Card Debt — Key Tips
How to Negotiate Credit Card Debts
How to Settle a Credit Card Debt Lawsuit — Ultimate Guide
Need more info on statutes of limitations? Read our 50-state guide.
Why do debt collectors block their phone numbers?
How long do debt collectors take to respond to debt validation letters?
What are the biggest debt collector companies in the US?
Is Zombie Debt Still a Problem in 2019?
If a car is repossessed, do I still owe the debt?
Is Portfolio Recovery Associates Legit?
Is There a Judgment Against Me Without my Knowledge?
Should I File Bankruptcy Before or After a Judgment?
What is a default judgment?— What do I do?
Summoned to Court for Medical Bills — What Do I Do?
What Happens If Someone Sues You and You Have No Money?
What Happens If You Never Answer Debt Collectors?
What Happens When a Debt Is Sold to a Collection Agency
What is a Stipulated Judgment?
What is the Deadline for a Defendants Answer to Avoid a Default Judgment?
Can a Judgement Creditor Take my Car?
Can I Settle a Debt After Being Served?
Can You Appeal a Default Judgement?
Do I Need a Debt Collection Defense Attorney?
Do I Need a Payday Loans Lawyer?
Do student loans go away after 7 years? — Student Loan Debt Guide
Am I Responsible for My Spouses Medical Debt?
Should I Marry Someone With Debt?
Can a Debt Collector Leave a Voicemail?
How Does Debt Assignment Work?
What Happens If a Defendant Does Not Pay a Judgment?
How Does Debt Assignment Work?
Can You Serve Someone with a Collections Lawsuit at Their Work?
How Many Times Can a Judgment be Renewed in Oklahoma?
Does Debt Consolidation Have Risks?
What Happens If You Avoid Getting Served Court Papers?
Does Student Debt Die With You?
Can Debt Collectors Call You at Work in Texas?
How Much Do You Have to Be in Debt to File for Chapter 7?
What Is the Statute of Limitations on Debt in Washington?
How Long Does a Judgment Last?
Can Private Disability Payments Be Garnished?
Can Debt Collectors Call From Local Numbers?
Does the Fair Credit Reporting Act Work in Florida?
The Truth: Should You Never Pay a Debt Collection Agency?
Should You Communicate with a Debt Collector in Writing or by Telephone?
What Happens After a Motion for Default Is Filed?
Can a Process Server Leave a Summons Taped to My Door?
Need help managing your finances? Check out these resources.
How to Make a Debt Validation Letter - The Ultimate Guide
How to Make a Motion to Compel Arbitration Without an Attorney
How to Stop Wage Garnishment — Everything You Need to Know
How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
Defending Yourself in Court Against a Debt Collector
Tips on you can to file an FDCPA lawsuit against a debt collection agency
Advice on how to answer a summons for debt collection.
Effective strategies for how to get back on track after a debt lawsuit
New Hampshire Statute of Limitations on Debt
Sample Cease and Desist Letter Against Debt Collectors
The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah
West Virginia Statute of Limitations on Debt
What debt collectors cannot do — FDCPA explained
Defending Yourself in Court Against Debt Collector
Arkansas Statute of Limitations on Debt
Youre Drowning in Debt — Heres How to Swim
Help! Im Being Sued by My Debt Collector
How to Make a Motion to Vacate Judgment
How to Answer Summons for Debt Collection in Vermont
North Dakota Statute of Limitations on Debt
ClearPoint Debt Management Review
Indiana Statute of Limitations on Debt
Oregon Eviction Laws - What They Say
CuraDebt Debt Settlement Review
How to Write a Re-Aging Debt Letter
How to Appear in Court by Phone
How to Use the Doctrine of Unclean Hands
Debt Consolidation in Eugene, Oregon
Summoned to Court for Medical Bills? What to Do Next
How to Make a Debt Settlement Agreement
Received a 3-Day Eviction Notice? Heres What to Do
How to Answer a Lawsuit for Debt Collection
Tips for Leaving the Country With Unpaid Credit Card Debt
Kansas Statute of Limitations on Debt Collection
How to File in Small Claims Court in Iowa
How to File a Civil Answer in Kings County Supreme Court
Roseland Associates Debt Consolidation Review
Do Debt Collectors Ever Give Up?
Can They Garnish Your Wages for Credit Card Debt?
How Often Do Credit Card Companies Sue for Non-Payment?
How Long Does a Judgement Last?
How Long Before a Creditor Can Garnish Wages?
How to Beat a Bill Collector in Court
Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.
"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather