Seeing Southern Credit Adjusters, Inc. on your credit report can be stressful. It usually means an unpaid debt has been sent to collections. Here’s what you need to know and how to address it.
Who Is Southern Credit Adjusters, Inc.?
Southern Credit Adjusters is a debt collection agency based in Rocky Mount, North Carolina. They handle delinquent accounts on behalf of businesses, often when the original creditor has been unable to collect payment.
If they’ve opened a collection account in your name, it may appear on your credit report.
Who Does Southern Credit Adjusters Collect For?
Southern Credit Adjusters works with different types of organizations, including:
- Hospitals and medical providers
- Schools and universities
- Retail businesses
- Other service providers
The debts they pursue typically stem from unpaid medical bills, tuition, service charges, or retail accounts.
Is Southern Credit Adjusters a Scam?
Southern Credit Adjusters is a legitimate debt collection company. They are authorized to collect debts for their clients. Still, always verify the debt before making payments, as credit reports can contain errors or outdated information.
How to Remove Southern Credit Adjusters From Your Credit Report
Collection accounts can remain on your credit report for up to seven years and lower your credit score. You may be able to remove them by taking these steps:
- Dispute inaccurate information: If the debt is incorrect, file a dispute with the credit bureaus to have it removed.
- Request debt validation: You can ask Southern Credit Adjusters to prove the debt belongs to you and confirm the amount.
- Negotiate a pay-for-delete: Some collectors may agree to remove the account if you settle the debt. Always get the agreement in writing.
- Work with a credit repair company: Credit experts can help dispute negative items and review your report for errors.
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 Southern Credit Adjusters?
Before contacting them or making payments, verify the debt is accurate and within the statute of limitations. In some cases, making a payment on old debt can restart the reporting period and further impact your credit.
Many people choose to work with credit repair professionals to help handle collection accounts and avoid costly mistakes.
Can Southern Credit Adjusters Sue or Garnish Wages?
Debt collectors like Southern Credit Adjusters can sue for unpaid debts. If they win a judgment, they may be able to garnish wages, levy bank accounts, or pursue other legal actions, depending on state laws.
However, lawsuits are typically a last resort. Most collection agencies attempt to resolve debts through payment plans or settlements before taking legal action.
Southern Credit Adjusters Contact Information
Address:
Southern Credit Adjusters, Inc.
2420 Professional Dr, Suite A
Rocky Mount, NC 27804
Phone: (252) 977-0125 or (866) 851-6377
Complaints About Southern Credit Adjusters
Like many collection agencies, Southern Credit Adjusters has complaints filed with the Consumer Financial Protection Bureau and the Better Business Bureau. Common issues include:
- Incorrect information on credit reports
- Harassment or repeated calls
- Failure to provide debt validation
If your rights are being violated, you can submit a complaint to the CFPB or the BBB.
Know Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you when dealing with debt collectors:
- They cannot report false or incomplete information.
- You can request debt validation within 30 days of first contact.
- They cannot harass, threaten, or use offensive language.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten arrest for unpaid debts.
Get Help With Southern Credit Adjusters Collections
Dealing with collection accounts can feel overwhelming, but you don’t have to face it alone. Credit Saint has over 15 years of experience helping people dispute inaccurate credit report entries. They even offer a 90-day money-back guarantee for extra peace of mind.
Visit their website or call (855) 281-1510 to learn more about how they can assist with your credit challenges.
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.
