Who is Professional Adjustment Bureau?
Professional Adjustment Bureau of Mid-America, Inc. is a debt collection agency located in Springfield, Illinois. They operate with the goal of recovering outstanding debts on behalf of their clients.
If you notice their name on your credit report as a collections account, it indicates that they are trying to collect a debt that you have failed to settle.
Who does Professional Adjustment Bureau collect for?
Professional Adjustment Bureau serves a range of clients, but its primary focus is on three specific areas: medical debt collection, bad check recovery, and past-due rent collection.
Is Professional Adjustment Bureau legit or a scam?
Professional Adjustment Bureau 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 Professional Adjustment Bureau from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Professional Adjustment Bureau of Mid-America, Inc. Contact Information
Address:
Professional Adjustment Bureau of Mid-America, Inc.
1305 S 9th St.
Springfield, IL 62703
Phone number: (217) 753-3800
Should I contact or pay Professional Adjustment Bureau?
Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Professional Adjustment Bureau is to work with a credit repair professional. They help remove millions of negative items every year from companies like Professional Adjustment Bureau of Mid-America on behalf of their clients.
Will Professional Adjustment Bureau sue me or garnish my wages?
Professional Adjustment Bureau of Mid-America, Inc. has the legal right to take certain actions to collect unpaid debts. This can include filing a lawsuit against you, which may result in wage garnishment if a court judgment is made in their favor.
However, not all agencies will choose to go this route, as the process can be costly and time-consuming. They typically prefer to work out a payment plan or settle for a lesser amount instead.
Professional Adjustment Bureau of Mid-America, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Professional Adjustment Bureau of Mid-America
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Professional Adjustment Bureau of Mid-America 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Professional Adjustment Bureau cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Professional Adjustment Bureau must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Professional Adjustment Bureau cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Professional Adjustment Bureau From Your Credit Report Today!
Credit Saint offers assistance with disputing Professional Adjustment Bureau accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
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