Diversified Adjustment Service

Who is Diversified Adjustment Service?

Diversified Adjustment Service, Inc. is a debt collection agency located in Coon Rapids, Minnesota. They specialize in the recovery of unpaid debts on behalf of various businesses and organizations.

You might see them referenced on your credit report as ‘div adj serv’ or ‘diversified adj svc’, indicating a collections account. This typically occurs when an unpaid bill has been transferred from the original creditor to a collection agency like Diversified Adjustment Service.

Who does Diversified Adjustment Service collect for?

Diversified Adjustment Service works with a broad spectrum of industries to recover owed debts. This includes commercial businesses, educational institutions, healthcare providers, financial service companies, government bodies and municipalities, telecommunications providers, and utility companies.

Whether it’s an unpaid loan, a past-due utility bill, or a delinquent student loan, Diversified Adjustment Service attempts to collect the outstanding balance on behalf of these entities.

Is Diversified Adjustment Service legit or a scam?

Diversified Adjustment Service, Inc. is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Diversified Adjustment Service from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years, regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Diversified Adjustment Service, Inc. Contact Information

Address:

Diversified Adjustment Service, Inc.
600 Coon Rapids Blvd NW
Coon Rapids, MN 55433

Mailing address:

Diversified Adjustment Service, Inc.
P.O. Box 32145
Fridley, MN 55432

Phone number: (800) 279-3733

Should I contact or pay Diversified Adjustment Service, Inc.?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with Diversified Adjustment Service is to work with a credit repair professional. They help remove millions of negative items every year from companies like Diversified Adjustment Service, Inc. on behalf of their clients.

Will Diversified Adjustment Service sue me or garnish my wages?

Diversified Adjustment Service does have the ability to sue for unpaid debts. If they choose to take this course and are successful in obtaining a judgment against you, they may be able to garnish your wages, levy your bank accounts, or put a lien on your property, depending on your state’s laws. However, lawsuits are typically a last resort after other attempts to collect the debt have failed.

Diversified Adjustment Service, Inc. Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Diversified Adjustment Service, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

• It is a violation of federal law for Diversified Adjustment Service to report inaccurate or incomplete information about you.
• You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
• Diversified Adjustment Service, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• Diversified Adjustment Service must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
• Diversified Adjustment Service cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Diversified Adjustment Service From Your Credit Report Today!

Credit Saint can assist you in disputing Diversified Adjustment Service accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.