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How to Resolve a Debt with Mid-South Adjustment

Sarah Edwards | September 13, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

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.

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What is Mid-South Adjustment?

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:

  • 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 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.

Make Midsouth Adjustments validate your debt

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:

  • Its debt collection license number in your state.
  • Verification that it owns your debt and has the right to collect it from you.
  • 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 owed, including any additional fees or interest.
  • The name of the original creditor and your account number.

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:

Midsouth Adjustments validated my debt — now what?

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.

Respond to a debt lawsuit

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:

  • Respond to each claim against you. You can respond by admitting, denying, or denying due to lack of knowledge.
  • Include a section for your affirmative defenses. These are legal reasons you shouldn’t be held liable for the debt.

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.

Settle your debt with Mid-South Adjustment

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.

Make an effort to resolve your debt with Midsouth Adjustments through communication

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.

What is SoloSuit?

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 FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

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