Professional Adjustment Bureau


Is Professional Adjustment Bureau hurting your credit score?

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

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?

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?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

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.

Professional Adjustment Bureau of Mid-America, Inc. Contact Information


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. 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 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

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 Professional Adjustment Bureau of Mid-America

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Professional Adjustment Bureau may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Professional Adjustment Bureau 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.
  • Professional Adjustment Bureau cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Professional Adjustment Bureau From Your Credit Report Today!

Credit Saint can assist you in disputing Professional Adjustment Bureau 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.

Ready to Repair Your Credit?

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.