Tri-State Adjustments: Who They Are and Your Rights

Type

Collection agency

Also known as

Tri-State Adjustments, Inc.; Tri-State Adjustments Incorporated; TSA

Headquarters

La Crosse, WI

Collects

medical bills, retail accounts, rental and property management accounts, returned checks

Phone numbers it lists

(608) 788-8683, (800) 562-3906

Website

wecollectmore.com

26 debt collection complaints were sent to the Consumer Financial Protection Bureau about Tri-State Adjustments, 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 Tri-State Adjustments?

Tri-State Adjustments, Inc., known as TSA, is a collection and call-center company. Its website lists offices at 500 Main Street, Suite 200, La Crosse, Wisconsin 54601, and a mailing address at P.O. Box 3219, La Crosse, WI 54602. The company says it was "founded in 1990" and serves "hundreds of businesses nationwide." The BBB lists a March 1990 incorporation date and names Rhonda Helgeson as CEO and president.

TSA publishes several license numbers:

• NMLS No. 1086778
• Nevada License No. CAD11906
• California License No. 10524-99

Its numbers are (608) 788-8683 and (800) 562-3906 toll-free. We did not find a CFPB enforcement action against Tri-State Adjustments.

Why Tri-State Adjustments May Be Contacting You

TSA's industries page names a broad client base:

• retail establishments
• property management companies
• large medical institutions and other healthcare organizations
• industrial and commercial accounts
• legal and professional associations
• government agencies
• agricultural groups

It also collects returned (NSF) checks. Many complaints naming it in the CFPB database are filed as medical debt, from consumers in several states.

TSA also runs "early out" programs, in which it contacts customers about a bill before the account goes to regular collections. Its site says that at this stage, the consumer is told that if the account is paid, it won't be placed on their credit file. A first letter from TSA may therefore be a pre-collection notice rather than a collection placement.

How to Check a Debt Tri-State Adjustments Says You Owe

Find out which stage your account is in, and then verify it:

• Ask whether the account is in early-out or in collections. In early-out, you may still be able to resolve it directly with the provider.
• Read the validation notice once the account is in collection. It must name the creditor and itemize the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). See validation notices.
• Dispute in writing within the validation period if the bill, the dates of service or the amount look wrong.
• For a rental balance, ask for the lease and the move-out charges. For a returned check, ask for a copy of the check and the bank's return notice.
• Watch for a lawsuit. TSA says it "will pursue legal action" when a client authorizes it and the consumer's assets warrant it. Check the age of the debt: Texas generally allows four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Wisconsin and other states differ.

What Tri-State Adjustments Can and Can't Do

When TSA collects consumers' debts for its clients, it is a "debt collector" under 15 U.S.C. § 1692a(6). In practice:

• It can't report a debt to the credit bureaus without first contacting you (12 C.F.R. § 1006.30(a)). If you dispute the debt, it must report it as disputed (15 U.S.C. § 1692e(8)).
• For an NSF check, it can charge only the returned-check fees that state law or your agreement allows (15 U.S.C. § 1692f(1)).
• It can't call more than seven times in seven days about a debt (12 C.F.R. § 1006.14(b)(2)), and it must offer a way to opt out of texts and emails (12 C.F.R. § 1006.6(e)). See texts and emails.
• It can't threaten legal action it doesn't intend to take (15 U.S.C. § 1692e(5)).

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 Tri-State Adjustments 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

• Tri-State Adjustments: Home
• Tri-State Adjustments: About TSA
• Tri-State Adjustments: Industries
• Tri-State Adjustments: Recovery services
• BBB business profile: Tri-State Adjustments Incorporated (business facts only)
• CFPB consumer complaint database: Tri-State Adjustments, Inc.
• CFPB enforcement actions (searched by name)
• CFPB Consumer Complaint Database: Tri-State Adjustments, Inc., debt collection

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