This article was written by Lemberg Law staff, and reviewed by Sergei Lemberg, the managing attorney of Lemberg Law.
Tri-State Adjustments or TSA is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
Tri-State Adjustments, Inc. (TSA) is a third-party collection agency and credit services company based in Wisconsin. TSA has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failure to verify debts and attempting to collect debts not owed. If TSA has contacted you about past due financial obligations, make sure you understand your rights before taking action.
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They’re legit. According to the Better Business Bureau (BBB), Tri-State Adjustments, Inc. was founded and incorporated in 1990. The BBB established a profile page for TSA in 2002. TSA is listed as a collection agency and credit service. Buzzfile estimates TSA’s annual revenue at $886,000 and the size of its headquarters staff at 8 employees.
According to its website, TSA “assists hundreds of businesses nationwide in the collection and recovery of their accounts receivable,” including “current accounts, delinquent accounts, returned checks (Non-Sufficient Funds) and more.” TSA’s website states that it was “founded in 1990 on the principles of honesty, accountability, attention to detail, and excellent customer service” and “establishes dynamic working relationships with each of its clients.” TSA’s “customized service…delivers measurable results.”
Tri-State Adjustments does not specialize in any single area of business. Instead, their collection staff “ has the experience and flexibility to work with all types and sizes of businesses, from small retail stores to mid-sized property management companies to large medical institutions, and everything in between.”
Their “professional staff is trained to collect in multiple situations using a variety of advanced techniques.” TSA is a full-service collection agency. Its services are “adaptable to best meet the needs of…clients” and include early out, payment monitoring, letter and call service, pre-collection, regular collection/legal action, in-house collections, and a patient pay source “powered by TransUnion’s Health Care Revenue Platform.”
TSA cites membership in several professional associations, including ACA International, Wisconsin Collectors Association (WCA), American Association of Health Care Administrative Management (AAHAM), Healthcare Services Program (HSP), Iowa Medical Group Managers Association (IMGMA), Business and Professional Women’s Foundation (BPW), National Federation of Independent Businesses (NFIB), Healthcare Financial Managers Association (HFMA), Minnesota Medical Group Managers Association (MMGMA), Revenue Cycle Co-op, and state and local civic organizations.” However, their website does not include a dedicated consumer resources page with links and references to consumer protection resources, laws, and enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
As of January 2019, the BBB has closed 10 complaints against Tri-State Adjustments Incorporated in the preceding three years, with 3 complains closed in the previous 12 months. Almost all of those complaints cited problems with billing and collection issues. Since June 2015, the Consumer Financial Protection Bureau (CFPB) has closed 18 complaints against TSA. Justia lists at least 2 cases of civil litigation involving TSA.
Tri-State Adjustments, Inc.
3439 East Ave. So.
P.O. Box 3219La Crosse, WI 54602-3219
Telephone: (608) 788-8683
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely TSA would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a Sample Complaint:
In November 2018, a complainant indicated that a healthcare provider had “sent his name to Tri-State Adjustments in a letter stating that he should …pay a lump sum to TSA’s office within 40 days.” The lump sum requested was in the amount of $21.38. The complainant said he had contacted the healthcare provider and asked “them why… they were billing him for something they say took place well over two years ago …concerning a mask he never received.” Similarly, in March 2016, a complainant indicated that TSA was “trying to recollect on a bill that was already paid the previous … year with a loan the complainant had taken … out with his bank to pay off all bills in collection through” TSA. The complainant claimed he had a letter from TSA “stating that all collections were paid in full to them.” Regardless, the following “Saturday, the complainant got a bill from TSA saying that he owed them $107.25 from their client, Mayo Clinic Health System.” The complainant stated that TSA was “trying to recollect on this debt which was already paid.”
Both of these complaints received a similar response from TSA. Specifically, TSA appears to use a standard, prepared response to BBB complaints that sates, in part, “Tri-State Adjustments, Inc. takes all disputes and complaints made towards the company and its employees seriously. It is Tri-State Adjustments’ policy to thoroughly review and consider all disputes and complaints and respond in a timely manner as needed. However, per the laws governing the third-party collections of debt set forth by the Fair Debt Collections Practices Act,…without prior consent of the consumer given directly to the debt collector, a debt collector may not reveal the existence of a debt to any other person other than the consumer, their attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Due to the above referenced guideline, no further information can be given at this time without prior permission given to Tri-State Adjustments by the consumer.” In response to the March 2016 complaint, TSA also stated that the “complaint was originally sent directly to a subfolder and was not immediately received by their compliance director. Upon further review, TSA began …researching the situation, and as always…will respond directly to the complainant.”
Complaint details and responses for the majority of complaints on the BBB page for this company are unavailable for public viewing.
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue TSA for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
- You are receiving multiple calls per week from third party collection agencies.
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your family, friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
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