Tri-State Adjustments


Is Tri-State Adjustments hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

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.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Tri-State Adjustments, Inc. Contact Information


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?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

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

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Tri-State Adjustments, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Tri-State Adjustments, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Tri-State Adjustments must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Tri-State Adjustments cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Tri-State Adjustments From Your Credit Report Today!

Credit Saint can help you dispute Tri-State Adjustments accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

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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.