Who is Tri-State Adjustments?
Tri-State Adjustments, Inc. (TSA) is a debt collection agency located in La Crosse, Wisconsin.
You may see Tri-State Adjustments listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does Tri-State Adjustments collect for?
Tri-State Adjustments collects debts for companies in the following industries:
- agricultural groups
- governmental agencies
- health care organizations
- industrial and commercial accounts
- legal and professional associations
- 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.)
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Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with 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.
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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?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They help you dispute the Tri-State Adjustments debt with the credit bureaus and possibly remove it from your credit report. It’s also quite possible that you will never hear from or have to deal with Tri-State Adjustments, Inc. again.
Wage Garnishment
Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
It is also illegal for Tri-State Adjustments, Inc. to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.
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 Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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!
Lexington Law can assist you in disputing Tri-State Adjustments accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
