Tri-State Adjustments

Who is Tri-State Adjustments?

Tri-State Adjustments, Inc. (TSA) is a debt collection agency based in La Crosse, Wisconsin. They work with various businesses to collect overdue debts and improve their financial health.

If Tri-State Adjustments appears on your credit report as a collections account, it means that you have an unpaid bill or debt that has been transferred to TSA for collection.

Who does Tri-State Adjustments collect for?

Tri-State Adjustments serves a wide range of industries. They work with agricultural groups, governmental agencies, healthcare organizations, industrial and commercial accounts, legal and professional associations, as well as retail establishments.

Is Tri-State Adjustments legit or a scam?

Tri-State Adjustments is a legitimate debt collection 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 Tri-State Adjustments from my credit report?

Tri-State Adjustments 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.)

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.

Tri-State Adjustments, Inc. Contact Information

Address:

Tri-State Adjustments, Inc.
3439 East Ave S
La Crosse, WI 54601

Mailing address:

TSA – La Crosse, WI
P.O. Box 3219
La Crosse, WI 54602-3219

Phone number: (800) 562-3906 or (608) 788-8683

Should I contact or pay Tri-State Adjustments?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with Tri-State Adjustments is to work with a credit repair professional. They help remove millions of negative items every year from companies like Tri-State Adjustments, Inc. on behalf of their clients.

Will Tri-State Adjustments sue me or garnish my wages?

Tri-State Adjustments, like any debt collection agency, does have the legal right to sue you for unpaid debt. If they file a lawsuit and are successful in court, obtaining a judgment against you, they might then have the ability to garnish your wages or take other collection actions, based on the specific laws of your state.

However, most collection agencies view legal action as a last resort, due to the time, effort, and cost involved. More often, they are interested in working out a mutually agreeable payment arrangement.

Tri-State Adjustments, 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 Tri-State Adjustments, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector 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 Tri-State Adjustments 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.
• Tri-State Adjustments, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• Tri-State Adjustments 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.
• Tri-State Adjustments cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Tri-State Adjustments From Your Credit Report Today!

Credit Saint can assist you in disputing Tri-State Adjustments 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.