If Professional Adjustment Bureau of Mid-America has appeared on your credit report, it could be hurting your credit score. Here’s what to know about who they are, what they collect, and how to remove their account 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. Their job is to collect unpaid debts on behalf of their clients.
If they show up on your credit report, it means they are trying to collect a debt that hasn’t been paid.
What Types of Debts Does Professional Adjustment Bureau Collect?
Professional Adjustment Bureau collects several types of debts, with a focus on:
- Medical debt
- Bounced checks
- Unpaid rent
If you’ve missed payments in any of these categories, they may be attempting to collect.
Is Professional Adjustment Bureau a Legitimate Company?
Yes, Professional Adjustment Bureau is a real debt collection agency. They are legally allowed to collect debts for their clients. That being said, you should always confirm the details before agreeing to pay. Credit reports can contain errors, and not all debts are valid.
How to Remove Professional Adjustment Bureau From Your Credit Report
Collection accounts can lower your credit score and stay on your report for up to seven years. But there are steps you can take to remove them sooner:
- Dispute inaccurate information – If the debt is incorrect or doesn’t belong to you, file a dispute with the credit bureaus.
- Request debt validation – You have the right to ask Professional Adjustment Bureau to provide proof the debt is valid.
- Negotiate a pay-for-delete – In some cases, they may agree to remove the account from your credit report if you settle the debt.
- Work with a credit repair company – Experts can help challenge negative accounts and guide you through the process.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Professional Adjustment Bureau?
Before contacting them or making a payment, verify the debt is accurate and legally enforceable. Some debts may be incorrect or past the statute of limitations for collection.
Keep these points in mind:
- Making a payment can restart the reporting period for the debt.
- You can request written proof before paying anything.
- A credit repair company can help you address the situation and avoid common mistakes.
Can Professional Adjustment Bureau Sue You or Garnish Your Wages?
Yes, they have the legal right to sue for unpaid debts. If they take you to court and win, they could be awarded a judgment, which may result in:
- Wage garnishment
- Bank account levies
- Property liens
The actions they can take depend on your state’s laws. Many collection agencies prefer to work out a payment plan rather than go through the court system.
Professional Adjustment Bureau Contact Information
Address:
Professional Adjustment Bureau of Mid-America, Inc.
1305 S 9th Street
Springfield, IL 62703
Phone Number: (217) 753-3800
Complaints About Professional Adjustment Bureau
Debt collectors often receive complaints, and Professional Adjustment Bureau is no exception. Reports filed with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB) mention:
- Inaccurate information on credit reports
- Harassing phone calls
- Failure to verify debts
If you experience these issues, you can file a complaint and take action to protect your rights.
Your Rights When Dealing With Professional Adjustment Bureau
You have legal protections under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). These laws protect you from unfair collection tactics:
- They cannot report false or incomplete information.
- You can request written proof that the debt is valid.
- They cannot harass you, repeatedly call, or use abusive language.
- They must clearly identify themselves as a debt collector.
- They cannot threaten jail time for unpaid debts.
Knowing your rights makes it easier to deal with collection accounts.
Remove Professional Adjustment Bureau From Your Credit Report Today
If dealing with collection accounts feels overwhelming, professional help is available. Credit Saint has over 15 years of experience helping clients challenge negative credit entries, including accounts from Professional Adjustment Bureau.
They even offer a 90-day money-back guarantee, giving you added peace of mind.
Call (855) 281-1510 or visit their website to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
