Mid-South Adjustment Co., Inc. is an Arkansas collection agency that works for healthcare providers, utilities, financial institutions and government offices. Contact from it usually concerns a medical bill, a utility balance, a loan or a government charge.
- Type
- Collection agency
- Also known as
- Mid-South Adjustment Co., Inc.
- Headquarters
- Pine Bluff, AR
- Collects
- medical bills (hospitals, surgery centers, clinics), utility bills (water, sewer, power), bank and credit union loans, court, tax and other government accounts
- Phone numbers it lists
- (870) 536-9600
- Website
- midsouthadjustment.com
90 debt collection complaints were sent to the Consumer Financial Protection Bureau about Mid-South Adjustment Co., 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 Mid-South Adjustment Co.?
Mid-South Adjustment Co., Inc. is a collection agency at 200 East 11th, Suite K, in Pine Bluff, Arkansas, with a mailing address at P.O. Box 5270, Pine Bluff, AR 71611. Its website also lists a Little Rock location on I-30. The company's main number is (870) 536-9600, and its website shows NMLS number 1812686 with a link to NMLS Consumer Access, where you can look up its state licenses. The site carries the disclosure that communications are from a debt collector.
Why Mid-South Adjustment May Be Contacting You
The company's website divides its work into four sectors:
- Healthcare: hospitals, surgery centers and clinics, including "early out" patient statements before an account is treated as bad debt.
- Utilities: water, sewer and power providers.
- Financial: banks, credit unions and loans.
- Government: courts, taxes and student loans.
It also lists pre-collection letter campaigns, credit reporting, legal services, probate and deceased-account work, and bankruptcy management. So a letter from Mid-South could be an early billing reminder sent for a hospital, or a later-stage collection on a closed account. The letter should tell you which. Mid-South does not name its clients online.
How to Check a Debt Mid-South Adjustment Says You Owe
Because so much of its work is medical and utility billing, start with the original bill and any insurance paperwork.
- Read the validation notice. It must name the creditor, itemize the balance, and give a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing before that deadline if anything looks off. Mid-South must pause collection until it sends verification.
- For a medical bill, ask for an itemized statement and your insurer's explanation of benefits. If the provider is a licensed Texas health care facility, Texas law requires an itemized bill before it pursues collection; see our SB 490 update.
- For a utility account, compare the final-bill date and any deposit refund the utility should have applied.
- Ask who owns the account now and whether it has been sold.
- Watch the calendar. In Texas, most consumer-debt suits must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Arkansas and other states have their own periods. Government charges such as court fees or taxes may follow different rules entirely.
What Mid-South Adjustment Can and Can't Do
As a third-party agency, Mid-South is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)) for consumer debts such as medical and utility bills. That means it:
- May not misstate the amount or legal status of a debt (15 U.S.C. § 1692e(2)).
- May not discuss your account with neighbors, family or coworkers, except to ask for your contact information (15 U.S.C. § 1692c(b)).
- May not add collection fees that your agreement or the law doesn't allow (15 U.S.C. § 1692f(1)).
- Must follow the Reg F call-frequency presumption of no more than seven calls in seven days per debt (12 C.F.R. § 1006.14(b)(2)).
The national credit bureaus have stopped reporting paid medical collections and medical collections under $500; see our summary. We did not find a CFPB enforcement action against Mid-South Adjustment Co.
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 Mid-South Adjustment Co. 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
- Mid-South Adjustment Co., Inc.: home page
- Mid-South Adjustment Co., Inc.: Clients
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: Mid-South Adjustment Co., Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Mid-South Adjustment Co. has violated any law. Company details change; tell us if something here is out of date.