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MSCB, Inc. Debt Collection: How To Settle Your Debt

Sarah Edwards | September 23, 2024

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Edwards 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.

Fact-checked by Greg Anjewierden, J.D.

Greg Anjewierden
Attorney and CEO of Debtbrief
Greg Anjewierden, JD

Greg Anjewierden is the Founder and CEO of Debtbrief, where he empowers consumers sued by debt collectors with tools, legal representation, and self-defense strategies. With over a decade of legal experience, including as a former creditor’s rights attorney, Greg is committed to advocating for consumer rights.

Summary: Sick of dodging calls from MSCB, Inc. and other collectors? There’s a better way. If you can’t pay the full amount you owe — or even if you just don’t want to — it might be worth settling your debt. SoloSuit shows you how.

Having an unfamiliar debt collector’s name show up on your credit report can be enough to send a jolt of panic through you. It also can be a difficult problem to resolve. How can you pay a debt if you can’t even find the company you supposedly owe it to?

If you’re trying to figure out what MSCB, Inc. is — and how you can resolve debt with them — you’ve come to the right place.

Settle debt with MSCB, Inc.

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

What is MSCB, Inc.?

MSCB, Inc. is a debt collection agency located in Paris, TN that focuses solely on the collection of medical bills. It was founded in 1977. The initials in its name stand for “Mid-South Credit Bureau.”

Contact MSCB, Inc.

Are you ready to contact MSCB, Inc. to negotiate debt settlement? Use the company's contact information below:

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

Keep in mind that, like many other debt collectors, this one may call you from another phone number.

How to settle a MSCB, Inc. debt lawsuit

If you’ve already received a Summons and Complaint saying MSCB, Inc. is suing you, you still may be able to settle. However, you need to act quickly to avoid a default judgment. Each state gives you a certain amount of time to respond to a lawsuit. If you respond in time, the lawsuit will continue through the court toward trial, giving you time to send a settlement offer.

However, if you do not respond in time, the collector will win by default. This is something you absolutely want to avoid! Winning the lawsuit means they get a court judgment, and that means they can garnish your wages or use other extreme measures to collect the debt.

You can still negotiate a settlement after the collector obtains a default judgment against you, but it becomes much more difficult for you to negotiate and the debt collector will continue to garnish wages or use other collection measures until you reach a settlement or they collect the full amount owed.

Here are the best practices to settle debt with MSCB, Inc. before your court date:

  • File an Answer into the case to block a default judgment.
  • Determine how much you can afford to pay with this formula: Amount available to settle = (monthly income – monthly costs) + savings)
  • Make a fair offer that is lower than the maximum amount you can pay.
  • Be ready to go through several rounds of negotiating.
  • When you reach an agreement, get it in writing.
  • Only threaten bankruptcy if you really mean it.

To learn more about these tips and others that will help you on your journey to settle debt with MSCB, Inc., watch the following interview with a consumer rights attorney, John Skiba, where he breaks down the best tips for negotiating debt settlement with collectors:

How to settle debt with MSCB, Inc. if you haven’t been sued yet

If you get a phone call or letter saying you owe this collector money, you always have the option of paying immediately — there’s an MSCB, Inc. online payment portal for easy payments.

However, at SoloSuit, we always recommend making a collector validate a debt before you pay it. When a collector “validates” a debt, this means that they prove to you that:

  • The debt is yours to begin with.
  • They have the legal authority to collect the debt.
  • They have validly purchased the debt from the original creditor.
  • They are licensed to operate in your state of residence.
  • The statute of limitations on the debt hasn’t run out.

Under the Fair Debt Collection Practices Act (FDCPA), you have a right to ask a collector to validate a debt. If the collector cannot do so, you don’t have to pay it. However, it’s important to understand that the same can’t be said for debt from an original creditor — only debt collection agencies are required to validate debts when asked.

Ask MSCB Inc. to validate your debt.

If you don’t hear back after sending a Debt Validation Letter, you’re in the clear until they do send validation. If they continue collection efforts without validating, they may have violated the Fair Debt Collection Practices Act. However, if the collector validates it, you should offer to settle as soon as possible or be prepared to prove in court that the validation does not prove that you owe the debt. If you don’t settle or pay, you may find yourself facing a lawsuit. To understand how this works, let’s consider an example.

Example: Lucia gets a letter from MSCB, Inc. saying she owes $1,500. She uses SoloSuit to send a Debt Validation Letter, and MSCB, Inc. validates her debt. She then uses SoloSettle to offer to settle her debt. She follows SoloSuit’s suggestion of offering to pay 60% or less of the debt to settle at first. After some back-and-forth, she and MSCB, Inc. agree on a payment of $1,000. Lucia pays, and her debt is settled.


Let us handle negotiating with collectors for you. Settle your debt the easy way with SoloSettle!

What MSCB, Inc. reviews are saying

Any time a debt collector reaches out to you, it’s a good idea to make sure you know who you’re dealing with before you respond. We took a look at the company’s Google reviews and saw that its 18 reviews averaged one star out of five. Users described some pretty questionable behavior: they claimed the company used automated calls and that actual human representatives would not identify the company they worked for.

We also took a look at its Better Business Bureau (BBB) profile and saw that it has been accredited since 2009 and has a high rating of A+. Several consumer have left complaints against the company.

On the Consumer Financial Protection Bureau (CFPB) consumer complaint database, more than two dozen consumers filed formal complaints against MSCB, Inc. We noticed similar types of complaints on both websites:

  • Customers said MSCB, Inc. failed to validate debt when asked.
  • Some said when they tried to call the company, they just heard loud talking in the background.
  • Many said representatives would not say what company they worked for.
  • Some said employees used rude or even threatening language.

Essentially, it looks like MSCB, Inc. may be a somewhat difficult company to work with in terms of debt settlement. However, it doesn’t have nearly as many complaints against it as some of the debt collectors we’ve researched.

SoloSuit: Bridging the gap between debtors and collectors

Dealing with debt is stressful enough as it is. However, many people understandably see debt collectors as their enemies, and that only makes things worse. The key to successfully settling debt is to view it as a collaborative process.

At SoloSuit, we’re here to facilitate that process. Our tools make it easier to negotiate with collectors and help take the guesswork out of filing legal forms. We hope that with a little help from us, you’ll be able to get that much closer to a debt-free life.

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