Who is Professional Adjustment Bureau?
Professional Adjustment Bureau of Mid America, Inc. is a debt collection agency located in Springfield, Illinois. They specialize in medical debt collection, bad check recovery, and past-due rent collection.
You may see them listed on your credit report as a collections account. This can happen if you forgot to pay a bill and your account was sent to a debt collector.
Removing Professional Adjustment Bureau Collections from Your Credit Report
Collections can hurt your credit score and remain on your credit report for up to 7 years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to have a collection account removed from your credit report before 7 years.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law is a credit repair company that helps people fix their credit.
In addition to collections, Lexington Law can also help you remove other inaccurate information such as inquiries, late payments, charge-offs, foreclosures, repossessions, judgments, liens, and bankruptcies from your credit report.
Call Lexington Law now to learn more: (800) 220-0084
Professional Adjustment Bureau of Mid America, Inc. Contact Information
Address:
Professional Adjustment Bureau of Mid America, Inc.
1305 S 9th St
Springfield, IL 62703
Website: n/a
Phone number: (217) 753-3800
Should I contact or pay Professional Adjustment Bureau?
Nothing good can come from speaking to a collection agency on the phone. And making payments on the collection account will reset the clock. So instead of helping your credit, it could make it worse.
The best way to go about handling this is to work with a professional credit repair service. They have deleted millions of negative items from companies like Professional Adjustment Bureau of Mid America for millions of clients nationwide.
And they can help you too.
Will Professional Adjustment Bureau sue me or garnish my wages?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the collection account and possibly get it removed from your credit report. It’s also quite possible that you will never hear from or have to deal with Professional Adjustment Bureau again.
Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.
Wage Garnishment
Some states allow wage garnishment, while others do not. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for them to threaten to garnish your wages.
It is also illegal for Professional Adjustment Bureau to make any claims they cannot or will not follow through on – this includes threatening to sue you or to foreclose on your home.
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). It’s because they often report accounts inaccurately and/or for harassment. If you are being harassed by a debt collector, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and Professional Adjustment Bureau does too.
Your Rights When Dealing with Professional Adjustment Bureau of Mid America
There are strict regulations about what a collection agency can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect any debt, whether or not you actually owe it. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- Debt validation. Under the FDCPA, you have the right to validate a debt. Upon request, the collection agency reporting the information must prove to you, within 30 days, that the account is really your responsibility and the amount of money you owe is accurate.
- All personal debts are covered, including personal credit cards, auto loans, household bills, and mortgage payments.
- Professional Adjustment Bureau of Mid America 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 trying to do. They must notify you that they are a collection agency both orally and in writing.
- Professional Adjustment Bureau cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.
Can Professional Adjustment Bureau collection accounts be removed from my credit report?
Lexington Law specializes in disputing Professional Adjustment Bureau accounts. They have over 28 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
Get Your Collections Removed Today!
If you’re looking for a reputable company to help you with collection accounts and repair your credit, we HIGHLY recommend Lexington Law.
Call them at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.