Merchants Adjustment Service

Merchants Adjustment Service is a full-service bad debt collection agency deeply rooted in the Southeastern United States, serving clients across the region from our headquarters in Mobile, Alabama. Our expertise lies primarily in the medical industry, having built our reputation on effectively and diligently collecting medical bad debts. Over 98% of our business stems from this sector, demonstrating our extensive experience and specialized knowledge within the unique complexities of medical billing and collections.

Our Mission and Values

We are driven by a mission to excel with integrity in collecting money for our clients while simultaneously upholding professionalism and respect for debtors. We firmly believe that effective debt collection encompasses not just financial recovery but also compassionate understanding towards individuals struggling with financial obligations.

Our core values of integrity, professionalism, and diligence guide every aspect of our operations. We strive for transparency, ethical conduct, and treating every individual with the utmost respect, regardless of their financial situation. We are dedicated to utilizing the latest tools, techniques, and personnel to maximize both the effectiveness of our collections process and the positive outcomes for both clients and debtors.

Comprehensive Service Offerings

Beyond standard debt collection services, we provide a comprehensive suite of solutions tailored to meet the specific needs of our clients, including:

• Pre-Collection Letters: Proactive outreach to debtors early in the delinquency process to encourage timely payments and prevent further escalation.
• Early Out Programs: Incentivize prompt resolution by offering reduced payment options or settlement discounts for debtors who pay their outstanding balances within a specified timeframe.
• Contract Billing: Streamline billing processes for our clients through direct integration with their existing systems to ensure accurate and timely invoicing.
• Skip Tracing: Employ advanced techniques and resources to locate debtors who have become difficult to reach, leveraging our expertise to ensure maximum recovery potential.

Educational Resources

We recognize the importance of equipping our clients with the knowledge and resources to effectively manage their own accounts receivable. Therefore, we offer educational seminars covering a range of topics, including:

• Telephone Collections: Master effective communication strategies for successful debt recovery through phone interactions.
• Office Collections: Optimize in-house collection procedures for improved efficiency and positive debtor relationships.
• Legal Collections: Gain a comprehensive understanding of the legal aspects of debt collection, ensuring compliance with all applicable regulations.

We believe that fostering a healthy and vibrant credit industry requires collaboration between creditors and debtors. By providing exceptional service and guidance, we strive to help both parties navigate the complexities of debt recovery and achieve mutually beneficial outcomes.