Relentless calls from Mid-South Adjustment Co. (MSA) can turn your daily life into constant anxiety and stress. If you believe Mid-South Adjustment Co.’s debt collection harassment has violated your rights, federal law provides clear protections and pathways to recover compensation.
The Fair Debt Collection Practices Act (FDCPA) establishes strict boundaries that all debt collectors must respect, regardless of their technology investments or compliance claims.
When Mid-South Adjustment Co. (MSA) violates these protections, you can recover up to $1,000 in statutory damages per lawsuit, plus attorney fees and costs. The Wood Law Firm has stopped harassment from collectors across multiple industries while securing compensation for consumers. Call +1 844-638-1122 to end the harassment today.
Who Is Mid-South Adjustment Co.
Mid-South Adjustment Co. (MSA) is a debt collection agency based in Pine Bluff, Arkansas, operating since 1981. The company has been sued more than 170 times in federal court, with many claims alleging harassment, unfair practices, and illegal collection tactics. Despite being BBB-accredited and marketing a “capital forward” approach with high-tech consumer engagement tools, Mid-South Adjustment Co. faces numerous consumer complaints about aggressive tactics.
The agency serves specialized industries including healthcare, utilities, finance, and government. They claim to emphasize compliance training and consumer-friendly online portals. However, their litigation history demonstrates a pattern of alleged FDCPA violations that contradict these claims.
Mid-South Adjustment Co. phone numbers:
- 870-536-9600
- 888-536-5114
- 870-619-4722
If you receive calls from these numbers, you’re likely dealing with Mid-South Adjustment Co. (MSA) collection attempts.
What Makes Mid-South Adjustment Co. Debt Collection Harassment Illegal
Mid-South Adjustment Co. debt collection harassment occurs when its tactics violate the FDCPA or TCPA. Their technology investments and compliance training don’t exempt them from federal consumer protection laws.
Illegal behaviors include:
- Calling excessively multiple times daily
- Contacting you before 8 a.m. or after 9 p.m.
- Using threatening or abusive language
- Making false statements about legal consequences
- Disclosing your debt to family, friends, or coworkers
- Calling your workplace after you’ve said no
- Continuing calls after receiving cease and desist
- Threatening wage garnishment without proper authority
- Misrepresenting debt amounts or adding unauthorized fees
- Using deceptive practices to induce payment
Despite Mid-South Adjustment Co.’s claims of “patient-first” approaches in healthcare collections, many consumers report experiencing pressure tactics that violate these rules.
How Mid-South Adjustment Co. Violates the FDCPA
If you believe you’re being harassed by Mid-South Adjustment Co., watch for these specific violations that appear frequently in consumer complaints and federal lawsuits.
1. Excessive calling campaigns
Mid-South Adjustment Co. (MSA) may call you multiple times daily despite their claims of consumer-friendly engagement. Many consumers report 5 to 10 calls per day or calls outside permitted hours (before 8 a.m. or after 9 p.m.).
2. Threats and intimidation
Common complaints against Mid-South Adjustment Co. (MSA) include threats of wage garnishment, lawsuits, or credit damage designed to frighten you into immediate payment. Threatening actions they don’t have the authority to take or haven’t actually initiated violate the FDCPA.
3. Third-party disclosure violations
Mid-South Adjustment Co. (MSA) cannot legally share details of your debt with unauthorized individuals such as family members, neighbors, or coworkers. They can only contact third parties to locate you, not to discuss your financial situation.
4. Continuing contact after cease and desist
If you send Mid-South Adjustment Co. (MSA) a written request to stop all communication, they must honor it. Continuing to call after receiving your cease and desist letter is a clear FDCPA violation.
5. Calling the wrong person repeatedly
Many consumers report that Mid-South Adjustment Co. (MSA) continues calling even after being informed they’ve reached the wrong person. Repeatedly calling someone who doesn’t owe the debt violates the FDCPA.
Your Rights Against Mid-South Adjustment Co.
Federal law provides specific protections when dealing with Mid-South Adjustment Co. collection attempts.
Validation and Dispute Rights
You can request written verification of your debt, including:
- Original creditor’s name
- Total amount owed
- Proof that they have the authority to collect
Mid-South Adjustment Co. (MSA) must provide this documentation. If they cannot verify the debt, they must stop collection efforts.
Communication Control Rights
Send a written cease and desist letter demanding that all contact stop. Once received, Mid-South Adjustment Co. (MSA) can only contact you to confirm cessation or notify you of specific legal actions, like filing a lawsuit.
Privacy Protections
Mid-South Adjustment Co. (MSA) cannot discuss your debt with anyone except you, your spouse, or your attorney. If they’ve revealed debt details to others, that’s a serious FDCPA violation worth documenting.
Credit Reporting Protections
While Mid-South Adjustment Co. (MSA) can report debts to credit bureaus, it cannot use threats about credit reporting to coerce payment or report information inaccurately. Monitor your credit reports and dispute any errors immediately.
Legal Action Rights
If Mid-South Adjustment Co. (MSA) violated the FDCPA, you can sue within one year for up to $1,000 in statutory damages, plus actual damages for emotional distress or financial losses. The collector must pay your attorney fees and costs.
Steps to Stop Mid-South Adjustment Co. Harassment Calls
Follow this action plan to protect your rights and build documentation for potential legal action.
Document Every Interaction
Keep detailed records:
- Date and exact time of each call
- Phone number used (870-536-9600, 888-536-5114, or 870-619-4722)
- Representative’s name
- Nature of conversation and any threats
- Screenshots of call logs
Request Written Communication
When Mid-South Adjustment Co. (MSA) calls, request all future communication in writing. This creates a paper trail and often reduces harassment.
Send Debt Validation Request
Within 30 days of first contact, send a written request demanding proof that the debt is yours, the amount owed, and documentation showing they have the authority to collect. They must stop collecting until they verify.
Issue Cease and Desist Letter
Send via certified mail to their Pine Bluff, Arkansas address, stating: “I demand that Mid-South Adjustment Co. cease all communication with me regarding this alleged debt.” Keep your receipt.
File Regulatory Complaints
File with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and your state attorney general’s office. Include specific violations and documentation. For guidance, consult the Federal Trade Commission resources.
Contact The Wood Law Firm
Call +1 844-638-1122 to speak with attorneys experienced in stopping Mid-South Adjustment Co. (MSA) harassment. We can send legal demands that typically stop calls within 48 hours.
Mid-South Adjustment Co. Federal Lawsuits
Mid-South Adjustment Co. (MSA) has been sued more than 170 times in federal court, demonstrating a pattern of alleged illegal collection practices.
Notable cases include:
- Mid-South Adjustment Co., Inc. v. Smith – Legal proceedings involving collection disputes
- Parker v. Mid-South Adjustment Co., Inc. (6:19-cv-06120) – Consumer lawsuit alleging FDCPA violations
- Mid-South Adjustment Co. v. Melanie Bramlett (SECV-25-342) – Collection lawsuit filed by the agency
- Mid-South Adjustment Co. v. Kyle Seek (PECV-25-24) – Additional collection action
- Mid-South Adjustment Co. v. Estate of Harris (2004) – Estate collection attempt
- Mid-South Adjustment Co. v. Jamie Carr – Consumer debt litigation
This extensive litigation history shows systemic issues rather than isolated incidents. If you’ve experienced similar tactics, you may have grounds for legal action.
Is Mid-South Adjustment Co. a Scam
Mid-South Adjustment Co. (MSA) is not a scam but rather a legitimate debt collection agency operating since 1981. However, legitimacy doesn’t equal lawful behavior. Despite BBB accreditation and claims of compliance-centered operations with quarterly staff training on FDCPA, FCRA, TCPA, and HIPAA regulations, the company’s 170+ federal lawsuits suggest ongoing compliance problems.
Many consumers report aggressive tactics that contradict Mid-South Adjustment Co.’s marketed “patient-first” approach in healthcare collections. Their technology tools and online portals don’t prevent illegal harassment if collectors still use threatening language, call excessively, or violate other FDCPA rules.
Always verify any debt collection call. Request written validation before providing payment or personal information.
Your Partner in Fighting Collection Abuse
Partnering with The Wood Law Firm gives you attorneys who understand how collection agencies like Mid-South Adjustment Co. (MSA) operate and the violations that frequently occur despite compliance claims.
We analyze your complete interaction history with Mid-South Adjustment Co. (MSA) to identify every FDCPA violation. We examine communication frequency, whether they used threats or intimidation, any third-party contacts, and whether they followed proper validation procedures. We send immediate legal demands citing specific violations, typically stopping harassment within 48 to 72 hours.
Mid-South Adjustment Co. (MSA) has been sued over 170 times in federal court. This extensive litigation history creates a strong motivation to settle legitimate FDCPA claims quickly when faced with experienced consumer protection attorneys. We leverage this reality to maximize your recovery.
Since 2010, we’ve helped hundreds of clients stop harassment and recover compensation. We work on contingency—you pay nothing unless we win. Call +1 844-638-1122 for a free case evaluation.
Meet Attorney Jeff Wood
Attorney Jeff Wood founded The Wood Law Firm to protect consumers from abusive debt collection practices and hold collectors accountable for breaking the law.
With years of experience in consumer protection law and hundreds of successful FDCPA cases, Jeff understands the legal technicalities of debt collection violations and the real-world stress that harassment causes families.
Jeff’s approach combines aggressive legal action with genuine empathy for clients facing financial pressure. He’s recovered significant damages for consumers harassed by collectors with extensive federal litigation histories like Mid-South Adjustment Co. (MSA).
When collectors claim compliance while their actions tell a different story, Jeff knows how to build cases that hold them accountable.
The Wood Law Firm maintains an A+ Better Business Bureau rating, reflecting our commitment to client satisfaction and successful outcomes.
Real Cases: Consumers Who Stopped Collection Harassment
These examples reflect actual case results. We can’t name specific collectors, but these demonstrate what’s possible.
Case 1: Excessive Calling Campaign
A client received 57 calls in three weeks from a debt collector, including calls outside permitted hours and to her workplace. We documented FDCPA violations for excessive calling, time restrictions, and workplace harassment. The calls stopped within 48 hours of our legal demand, and the case settled for $5,400 in damages plus attorney fees.
Case 2: Third-Party Disclosure
Another client’s mother received multiple calls from a collector who discussed the debt in detail, causing the mother severe distress. We sued for improper third-party disclosure. The case settled for $4,800, and the collector removed all negative credit reporting.
Dealing With Arkansas-Based Debt Collectors
If you’re facing harassment from multiple agencies, the same FDCPA protections apply regardless of where the collector is based. We’ve successfully challenged aggressive practices from collectors across the country, and we’ve also helped clients stop harassment from regional adjustment bureaus using proven strategies.
Many collectors combine persistent calling with intimidation tactics to pressure immediate payment. We’ve seen comparable tactics from diversified adjustment services and credit bureau collection services. Understanding your rights under the FDCPA protects you regardless of which agency contacts you or their claimed compliance standards.
Frequently Asked Questions About Mid-South Adjustment Co. Harassment
1. What is Mid-South Adjustment Co.?
Mid-South Adjustment Co. (MSA) is a debt collection agency based in Pine Bluff, Arkansas, operating since 1981. Despite BBB accreditation, the company has been sued over 170 times in federal court for alleged FDCPA violations.
2. Is Mid-South Adjustment Co. a scam?
No, Mid-South Adjustment Co. (MSA) is a legitimate debt collection agency. However, many consumers report aggressive tactics that may violate federal law despite the company’s compliance claims.
3. How many times can Mid-South Adjustment Co. legally call me per day?
The FDCPA doesn’t specify an exact number, but repeated calls intended to annoy or harass violate the law. If you’re receiving multiple daily calls, document each one.
4. What phone numbers does Mid-South Adjustment Co. use?
Mid-South Adjustment Co. (MSA) commonly calls from 870-536-9600, 888-536-5114, and 870-619-4722. They may use additional numbers.
5. Can Mid-South Adjustment Co. contact my family or employer?
They can only contact third parties to locate you, and they cannot discuss your debt with anyone except you, your spouse, or your attorney.
6. What should I do if Mid-South Adjustment Co. contacts me?
Request written validation of the debt, keep detailed records of all interactions, and consider sending a cease and desist letter if calls continue.
7. How do I stop calls from Mid-South Adjustment Co.?
Send a written cease and desist letter via certified mail. After receiving it, they can only contact you to confirm cessation or notify you of legal actions.
8. Can I sue Mid-South Adjustment Co. for harassment?
Yes. If Mid-South Adjustment Co. (MSA) violated the FDCPA, you can sue for up to $1,000 in statutory damages plus attorney fees and actual damages.
9. How do I dispute a debt with Mid-South Adjustment Co.?
Send a written validation request within 30 days of first contact. They must stop collection efforts until they provide proof the debt is valid and belongs to you.
10. Does The Wood Law Firm charge upfront fees for harassment cases?
No. We work on contingency and advance all costs. You pay nothing unless we recover compensation. Call +1 844-638-1122 for a free consultation.
