Merchants Adjustment Service

Is Merchants Adjustment Service hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Merchants Adjustment Service?

Merchants Adjustment Service, Inc., also known as MAS, is a debt collection agency based in Mobile, Alabama. Their primary role is to facilitate the recovery of overdue debts on behalf of various creditors.

If you see Merchants Adjustment Service listed on your credit report, it generally means you have an outstanding debt that has been assigned to them for collection.

Who does Merchants Adjustment Service collect for?

Merchants Adjustment Service specializes in a specific type of debt collection – medical debt recovery. This means they provide their services to healthcare providers, such as hospitals, clinics, and other medical facilities, who have unpaid invoices or bills.

Is Merchants Adjustment Service legit or a scam?

Despite some negative perceptions due to their frequent and sometimes aggressive communication methods, Merchants Adjustment Service is a legitimate medical collection agency.

How can I remove Merchants 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.)

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with 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.

Merchants Adjustment Service Contact Information


Merchants Adjustment Service, Inc.
56 N Florida St.
Mobile, AL 36607

Phone number: (800) 239-6040 or (251) 476-6666

Should I contact or pay Merchants Adjustment Service?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

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

Will Merchants Adjustment Service sue me or garnish my wages?

Merchants Adjustment Service (MAS) has the legal authority to sue you for the debt you owe. If they win the lawsuit and a judgment is granted against you, they could potentially garnish your wages, seize funds from your bank accounts, or even place a lien on your property, depending on the laws in your specific state.

However, this is generally considered a last resort due to the costs and time associated with court proceedings. Most debt collection agencies, including MAS, prefer to negotiate a payment plan or settle the debt for a lesser amount rather than resort to legal action.

Merchants 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 Merchants Adjustment Service

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 Merchants 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.
  • Merchants Adjustment Service may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Merchants 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.
  • Merchants Adjustment Service cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Merchants Adjustment Service From Your Credit Report Today!

Lexington Law can assist you in disputing Merchants Adjustment Service accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

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 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.