Merchants Adjustment Service is a full-service medical, commercial, and consumer bad debt collection agency located in Mobile, AL. We offer a range of services, including managed billing, early out, letter campaigns, and call campaigns, tailored to fit our clients' needs. Our expertise lies in medical bad debt collections, with over 98% of our business focused on this area. We provide additional services beyond standard collections, such as pre-collection letters, early out programs, and contract billing. Our approach is both effective and professional, with a focus on integrity, professionalism, and diligence. We also offer educational seminars on topics like telephone, office, and legal collections.