Start My Answer

How to Resolve Debt With Diversified Adjustment

Sarah Edwards | December 04, 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: Diversified Adjustment Service, Inc. is a debt collection company that handles various forms of consumer debt. If you’ve been contacted by Diversified Adjustments, you can assert your rights by using SoloSuit to file an Answer to a debt collection lawsuit and resolve your debt by negotiating a lower settlement amount.

It can be tough to distinguish between legitimate phone calls and scammers. But Diversified Adjustment is a legitimate debt collection company and one you shouldn’t ignore.

If you’ve been contacted by Diversified Adjustment Service, it’s because they believe you have an unresolved debt with another party. Here’s how to verify that the debt is yours and resolve your debt quickly.

Sued for debt? Use SoloSettle to resolve it.

Is Diversified Adjustment a scam?

First things first: what is Diversified Adjustment Service?

Diversified Adjustment Service, Inc. is not a scam but a debt collection agency based in Coon Rapids, Minnesota. If you’ve been contacted by someone claiming to represent Diversified Adjustment, it may be because you’re behind on a loan or have credit card debt or unpaid bills.

Diversified Adjustment Services Inc. reviews

That said, Diversified Adjustment has a mixed reputation based on customer complaints. As of 2023, the company has nearly 200 complaints registered against them with the Better Business Bureau and more than 500 complaints listed on the Consumer Financial Protection Bureau (CFPB) website.

Many complaints allege harassing phone calls and false accusations of debt, which is why it’s important to know your rights and verify your debt before proceeding.

Diversified Adjustment Services has an average rating of 2 out of 5 stars from many Google reviews. Many of these reviews come from consumers who claim they’re being contacted about invalid T-Mobile debts. Check out some real Diversified Adjustment Services reviews here:

Diversified Adjustment Services phone number

Should you need to contact the company, you can do so by phone at 800-279-3733 or by mail at P.O. Box 32145, Fridley, MN 55432. According to the company's website, phone representatives are available primarily during regular business hours, though you can contact them until 8:00 p.m. (CST) Monday through Thursday.

See the Diversified Adjustment’s office in Coon Rapids the photo below.

How to respond to Diversified Adjustment Service, Inc.

It’s easy to get flustered by repeated phone calls, and it’s even worse when you get slapped with a lawsuit. But you can respond by asserting your rights and seeking verification of your debt.

I’m being harassed by Diversified Adjustment

Even if the debt is legitimately yours, debt collectors are forbidden from harassing practices by the federal Fair Debt Collection Practices Act (FDCPA). This law prohibits debt collectors from practices that include:

  • Contacting you before 8:00 a.m.
  • Contacting you after 9:00 p.m.
  • Calling you more than once per day.
  • Failing to identify their identity as a debt collector.
  • Calling your friends and family (or coworkers) about your debt.
  • Using vulgar, offensive, or intimidating language.
  • Threatening you with arrest for not paying your debt.
  • Refusing to validate your debt.

You can report FDCPA violations to the Federal Trade Commission (FTC) using the FTC website or by calling 877-382-4357. Alternatively, you can report the company through the CFPB’s website or by calling 855-411-2372.

I’ve been sued by Diversified Adjustment

If you’ve received notice that Diversified Adjustment is suing you over your debt, your first step is to respond to the lawsuit by filing an Answer with the court. An Answer is an official response indicating your willingness to contest the lawsuit.

Act fast — some jurisdictions only allow a two-week window to respond, after which the judge may render a default judgment in favor of Diversified Adjustment.

Respond to a debt lawsuit in minutes.

I’m not sure the debt is mine

If you’re unsure whether your debt is legitimate, you can verify it by asking Diversified Adjustment to send you a Debt Validation Letter. This document will clearly connect you to the debt by:

  • Identifying your original creditor.
  • Demonstrating that you owe the debt.
  • Listing the amount you owe.
  • Documenting the most recent payment (if any).
  • Recording the age of the debt.

Remember, failing to provide you with a Debt Validation Letter is also an FDCPA violation, which you can report at the numbers above.

Still have questions about validating your debt? Check out this helpful video:

Resolve your debt with Diversified Adjustment Service, Inc.

Filing an Answer with the court will give you time to verify that the debt is yours and take steps toward a lower settlement.

Open up negotiations with SoloSettle

Your first step is to send an initial offer. SoloSettle by SoloSuit makes this easy.

Your initial offer will open negotiations between you and the collector. Agree to pay 60% of your total debt amount. Diversified Adjustment may refuse to accept this and present a counteroffer. The goal is to arrive at an amount you and the company can live with.

Let’s look at an example.

Example: Greg initially panicked when he received notification about his debt lawsuit. But after filing an Answer with the court, he took the time to validate his debt, then used SoloSettle to open up the negotiation process. His first offer of 60% was rejected, but Diversified Adjustments presented a counteroffer of 67%, which Greg happily accepted. He’s now working on paying back the debt and repairing his credit.


Start using SoloSettle today to resolve your debt.

Document the settlement amount

Under no circumstances should you accept a debt settlement without getting it in writing. A settlement agreement through SoloSettle will provide clear documentation that the debt is resolved for the agreed-upon amount. Make sure you also save any correspondence with Diversified Adjustment to verify the settlement process.

It’s not out of the question to think that a debt collector might go behind your back and seek a default judgment even after reaching an agreement. Having the agreement in writing will protect you from this.

Commit to your repayment plan

Once you settle your debt, you’ll commit to the repayment plan negotiated between you and Diversified Adjustment. The company website allows you to make payments online for greater convenience, or SoloSettle can help you arrange payments.

Unfortunately, a settlement will lower your credit score — but so can outstanding debt. Resolving your debt once and for all will let you move forward and start rebuilding your credit.

There is life after debt

Debt collectors can leave you stressed. But it’s important to remember that there is life after debt. Resolve your debt quickly by negotiating a lower settlement through SoloSettle. Then, you can move on and start fresh.

Settle your debt online.

Settle with SoloSettle

Make an Offer

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources


Not sued yet?

Use our Debt Validation Letter.


Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.


Let's Do It

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.


"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



Get Started