Who Is Merchants Adjustment Service? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact Merchants Adjustment Service
- Address to send a debt validation letter
- Merchants Adjustment Service, Inc. 56 North Florida St Mobile, AL 36607
- Phone
- 1-800-239-6043
- Official website
- https://www.masinc.org
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
Merchants Adjustment Service, Inc. is an Alabama-based collection agency, founded in 1968, that recovers past-due consumer accounts — originally medical debt, now serving creditors across the Southeastern United States more broadly. If Merchants Adjustment Service is contacting you, it’s worth demanding proof of the debt in writing to confirm the amount and origin of the debt before paying anything.
If this is the first time they’ve reached out, see what to do the first time a collector contacts you. Being contacted doesn’t necessarily mean a lawsuit is coming, but check how long medical debt can legally be pursued in your state so you know where you stand.
Questions & Answers
Is Merchants Adjustment Service a legitimate debt collector?
Merchants Adjustment Service shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop Merchants Adjustment Service from calling me?
Under the FDCPA, you can send Merchants Adjustment Service a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with Merchants Adjustment Service?
Send a written debt validation request to Merchants Adjustment Service's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is Merchants Adjustment Service on my credit report?
If Merchants Adjustment Service is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team
Sources
- Merchants Adjustment Service, Inc. — Contact— masinc.org