Diversified Adjustment Service: Who They Are and Your Rights

Type

Collection agency

Also known as

Diversified Adjustment Service, Inc.; DAS

Collects

telecommunications bills, medical bills, utility bills, financial services accounts, government and municipal accounts, education accounts

Phone numbers it lists

(800) 279-3733

Website

diversifiedadjustment.com

1,450 debt collection complaints were sent to the Consumer Financial Protection Bureau about Diversified Adjustment Service, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Diversified Adjustment Service?

Diversified Adjustment Service, Inc. says it has "over four decades of successful collections experience." Its published mailing address is a post office box in Fridley, Minnesota. The company offers early-stage and post-charge-off collections, secondary and tertiary placements (accounts another agency already worked) and skip-tracing to locate people who have moved.

Its website does not state an ownership structure or an exact founding year, so we do not guess at them here.

Why Diversified Adjustment Service May Be Contacting You

Diversified's industries page leads with telecommunications, saying it has worked for "major telecommunication providers" for over three decades. It also lists healthcare, financial services, government and municipalities, utilities, commercial clients and education. Given that focus, a Diversified letter may well concern a final bill from a wireless, cable, internet or landline provider. Final telecom bills commonly include:

• service charges after a cancellation or move;
• an early-termination fee or the unpaid balance of a device installment plan; or
• equipment, such as a modem or set-top box, the provider says was not returned.

Because Diversified also handles secondary and tertiary placements, the account may already have been with one or more agencies before it reached Diversified. Its site has consumer pages for requesting an itemized statement, reporting fraud or identity theft, giving bankruptcy information, submitting medical insurance information, disputing an account and asking to have a phone number removed from its call list.

How to Check a Debt Diversified Adjustment Service Says You Owe

Telecom bills are easy to dispute if you kept your records, so pull them out first.

• Read the validation notice for the provider's name, the itemization date and every fee or credit since then (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing inside the validation period if the amount is wrong. Ask for the final bill, the cancellation date in the provider's records, the contract terms behind any termination fee, and any equipment-return record.
• Gather your proof: a cancellation confirmation number, a shipping or store receipt for returned equipment, or a statement showing the account was paid.
• Ask whether the provider still owns the account or has sold it.
• Look at the age of the bill. Most Texas suits on a debt must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debts (Tex. Fin. Code § 392.307). Other states apply other periods.

What Diversified Adjustment Service Can and Can't Do

Collecting telecom and other bills owed to its clients makes Diversified a "debt collector" under 15 U.S.C. § 1692a(6). A few rules worth knowing:

• It may not collect an equipment charge or termination fee that your contract does not authorize (15 U.S.C. § 1692f(1)).
• It may not call about one account more than seven times in seven days (12 C.F.R. § 1006.14(b)(2)); you can also tell a collector to stop calling.
• If the account resulted from identity theft, tell it in writing; misrepresenting that you owe a debt you do not owe violates 15 U.S.C. § 1692e(2). Texas also has a newer identity-theft procedure (our update).
• It must give you the validation information and honor a timely written dispute before continuing to collect (15 U.S.C. § 1692g(b)).

We did not find an enforcement action against Diversified Adjustment Service in the CFPB's enforcement actions list, the FTC's case database, the Connecticut Department of Banking's 2016–2026 consumer credit orders, California DFPI enforcement records or the New York DFS enforcement actions list, which we checked in November 2026.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Diversified Adjustment Service or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Diversified Adjustment Service: home page
• Diversified Adjustment Service: Industries
• Diversified Adjustment Service: Consumer Tools
• CFPB Consumer Complaint Database: Diversified Adjustment Service, Inc., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Diversified Adjustment Service has violated any law. Company details change; tell us if something here is out of date.