Relentless calls from Mid-South Adjustment Co. can turn your daily routine into constant anxiety. The company has operated since 1981 and has been named in more than 170 federal lawsuits alleging harassment and unfair collection tactics. Federal law sets clear boundaries collectors must follow, regardless of their compliance marketing.
🔑 Key Takeaways
- Mid-South Adjustment Co. (MSA) is a real, BBB-accredited debt collector based in Pine Bluff, AR, not a scam
- MSA has reportedly faced more than 170 federal lawsuits alleging FDCPA violations
- They collect for healthcare, utility, finance, and government creditors
- Documented complaint patterns include excessive calling, third-party disclosure, and continued contact after cease requests
- You have the right to request written debt validation within 30 days of first contact
- The Wood Firm PLLC works on contingency, so you pay nothing unless we win
📞 Free Case Review: +1-844-638-1122
🏢 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 agency serves specialized industries, including healthcare, utilities, finance, and government. MSA markets a compliance-focused approach with quarterly staff training on the FDCPA, FCRA, TCPA, and HIPAA.
Despite that marketing, the company has reportedly been named in more than 170 federal lawsuits alleging FDCPA violations. A high volume of litigation against a compliance-focused collector suggests a gap between marketed policy and actual practice.
In our practice, we request MSA’s original account-placement documentation on every file. That record shows what authority the company has to collect and whether the balance matches the original creditor’s records. Given their litigation history, that verification step is worth doing before any payment discussion.
- Address: Pine Bluff, Arkansas
- BBB status: Accredited, with an A+ rating
- Client industries: Healthcare, utilities, finance, and government
📞 What Are Mid-South Adjustment Co’s Phone Numbers
MSA calls consumers from a small set of known numbers. If you receive calls from any of the following, you are likely dealing with MSA.
- Main number: (870) 536-9600 / 870-536-9600 / 8705369600
- Toll-free: (888) 536-5114 / 888-536-5114 / 8885365114
- Also reported: (870) 619-4722 / 870-619-4722 / 8706194722
🤔 Why Is Mid-South Adjustment Co Calling You
MSA is calling you on behalf of a healthcare provider, utility, finance company, or government creditor that assigned or sold your account. Their industry spread means the underlying debt could involve a hospital bill, an unpaid utility balance, or an older finance account. That variety is also why consumers sometimes report being contacted about accounts they don’t recognize.
- The account may involve a balance already disputed with the original creditor
- The debt may belong to a family member or a prior resident at your address
- Consumer complaints describe MSA continuing to call the wrong person after being corrected
- The debt may already be past your state’s statute of limitations
Request written validation before you discuss payment. MSA must provide proof the debt exists, that you owe it, and that the company has authority to collect it.
⚠️ Is Mid-South Adjustment Co A Scam
No. Mid-South Adjustment Co. is a real, licensed debt collection agency operating since 1981. Licensed and BBB-accredited does not mean every tactic is legal, and their 170-plus federal lawsuits suggest ongoing compliance problems despite the company’s marketing.
Many consumers report aggressive tactics that contradict MSA’s marketed “patient-first” approach in healthcare collections. Technology tools and online portals don’t prevent illegal harassment if a representative still uses threatening language or calls excessively. Always request written validation before providing payment or personal information.
🚫 Is Mid-South Adjustment Co Banned By The FTC
No. Mid-South Adjustment Co. has not been banned by the FTC. No federal enforcement action against the company is documented in current records.
The absence of an FTC ban does not mean MSA’s practices go unchallenged. Private lawsuits, including Parker v. Mid-South Adjustment Co., allege specific FDCPA violations tied to collection conduct.
In our practice, we treat a missing FTC action as only one data point. A pattern of 170-plus private lawsuits often reveals more about a collector’s actual tactics than a federal regulator’s public record does.
⚖️ Has Mid-South Adjustment Co Been Sued
Yes. MSA has reportedly faced more than 170 federal lawsuits, with many alleging harassment, unfair practices, and illegal collection tactics.
- Parker v. Mid-South Adjustment Co., Inc. (6:19-cv-06120): A consumer lawsuit alleging FDCPA violations tied to MSA’s collection conduct.
MSA has also filed its own collection lawsuits against individual consumers in state courts. Those cases are separate from the federal FDCPA litigation above. If you were served with a collection lawsuit filed by MSA, that is a different legal situation than filing a claim against them, and it requires its own timely written response.
In our practice, we cross-check every MSA communication against the excessive-calling and third-party-disclosure patterns alleged across their federal case history. Those patterns can still surface in current correspondence. That review often reveals which specific claim applies to your situation.
📋 Can Mid-South Adjustment Co Report Your Debt To Credit Bureaus
Yes. MSA can report a valid debt to Equifax, Experian, and TransUnion, but it cannot use threats about credit reporting to coerce payment or report information inaccurately.
- If the entry is inaccurate, dispute it in writing with all three bureaus
- If validation was never provided, cite that gap directly in your bureau dispute
- For pay-for-delete, negotiate a written deletion commitment from all three bureaus before making any payment
🛑 How Can You Stop Calls From Mid-South Adjustment Co
Documenting every call gives you the strongest foundation for a later legal claim. If MSA is calling you from (870) 536-9600, (888) 536-5114, or (870) 619-4722, follow these steps.
1. Document Every Interaction
Record the date, time, phone number used, and representative’s name for each call. Note the content of the conversation and any threats made. Save screenshots of your call log as supporting evidence.
2. Request Written Communication
Ask MSA to communicate with you only in writing going forward. This creates a paper trail and often reduces the frequency of calls.
3. Send Debt Validation Request
Within 30 days of first contact, send a written request demanding proof the debt is yours, the amount owed, and documentation showing MSA’s authority to collect. They must stop collecting until they verify.
4. Issue A Cease-and-Desist Letter
Send a certified letter to their Pine Bluff, Arkansas address demanding all communication stop. Under the Fair Debt Collection Practices Act, contact must then stop except to confirm cessation or notify you of legal action. Keep your certified mail receipt.
5. Hire An Attorney
Once MSA knows you have legal representation, contact must route through your attorney. The Wood Firm PLLC works on contingency and offers a free case review before you commit to anything.
🤝 How The Wood Firm PLLC Helps Stop Mid-South Adjustment Co Debt Harassment
MSA’s 170-plus federal lawsuits create a strong incentive to settle legitimate claims quickly rather than face another one. We analyze your complete interaction history with MSA to identify communication frequency issues, threats or intimidation, any third-party contacts, and whether proper validation procedures were followed.
We send a legal notice immediately after you retain us, and contact typically stops within 48 to 72 hours. You pay nothing unless we win, and Mid-South Adjustment Co. pays our attorney fees if we prevail. Call +1-844-638-1122 for a free consultation.
📣 Mid-South Adjustment Co. keeps calling, and you deserve answers. Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency, so if MSA violated federal law, they pay our fees.
❓ Frequently Asked Questions About Mid-South Adjustment Co
What is Mid-South Adjustment Co
MSA is a debt collection agency based in Pine Bluff, Arkansas, operating since 1981. Despite BBB accreditation, the company has reportedly faced more than 170 federal lawsuits alleging FDCPA violations. Legitimate does not mean every tactic complies with federal law.
Is Mid-South Adjustment Co a scam
No, MSA is a legitimate debt collection agency. Many consumers report aggressive tactics that may violate federal law despite the company’s compliance claims. Verify any debt before making a payment.
What phone numbers does Mid-South Adjustment Co use
MSA commonly calls from (870) 536-9600, (888) 536-5114, and (870) 619-4722. They may use additional numbers. Document every call regardless of which number appears.
Can Mid-South Adjustment Co contact my family or employer
They can only contact third parties to locate you, not to discuss your debt with anyone except you, your spouse, or your attorney. Continued workplace contact after you ask them to stop is a violation.
How do I stop calls from Mid-South Adjustment Co
Send a written cease-and-desist letter via certified mail to their Pine Bluff, Arkansas address. After receiving it, they can only contact you to confirm cessation or notify you of legal action. Keep your certified mail receipt as proof of delivery.
Can I sue Mid-South Adjustment Co for harassment
Yes, if MSA violated the FDCPA, you can pursue up to $1,000 in statutory damages plus actual damages and attorney fees. The Wood Firm PLLC works on contingency, so you pay nothing unless we win.
✅ What Should You Do Next If Mid-South Adjustment Co Is Calling You
Request written validation before you consider paying anything MSA claims you owe. Document every call, letter, and text you receive. If MSA already violated federal law, contingency representation costs you nothing upfront. Call +1-844-638-1122 for a free case review.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
🔗 Also read: Regional Adjustment Bureau Debt Collection Harassment, Diversified Adjustment Service Debt Collection Harassment, and Credit Bureau Collection Services Harassment. For general guidance, see how many times a debt collector can call you per day, what to say and not say to a collection agency, and the FTC’s debt collection FAQs.
