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?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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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?
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 Credit reports can contain errors or list debts that are no longer valid.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 offers assistance with disputing Tri-State Adjustments accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
