Who Does Diversified Adjustment Collect For - T-Tees - Your Answers Await, Life's Questions Unraveled

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Sarah Edwards | December 04, 2023

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It can be tough to distinguish between legitimate phone calls and scammers. But Diversified Adjustment is a legitimate debt collection company and one you shouldn’t ignore.

If you’ve been contacted by Diversified Adjustment Service, it’s because they believe you have an unresolved debt with another party. Here’s how to verify that the debt is yours and resolve your debt quickly.

Sued for debt? Use SoloSettle to resolve it.

Is Diversified Adjustment a scam?

First things first: what is Diversified Adjustment Service?

Diversified Adjustment Service, Inc. is not a scam but a debt collection agency based in Coon Rapids, Minnesota. If you’ve been contacted by someone claiming to represent Diversified Adjustment, it may be because you’re behind on a loan or have credit card debt or unpaid bills.

Diversified Adjustment Services Inc. reviews

That said, Diversified Adjustment has a mixed reputation based on customer complaints. As of 2023, the company has nearly 200 complaints registered against them with the Better Business Bureau and more than 500 complaints listed on the Consumer Financial Protection Bureau (CFPB) website.

Many complaints allege harassing phone calls and false accusations of debt, which is why it’s important to know your rights and verify your debt before proceeding.

Diversified Adjustment Services has an average rating of 2 out of 5 stars from many Google reviews. Many of these reviews come from consumers who claim they’re being contacted about invalid T-Mobile debts. Check out some real Diversified Adjustment Services reviews here:

Diversified Adjustment Services phone number

Should you need to contact the company, you can do so by phone at 800-279-3733 or by mail at P.O. Box 32145, Fridley, MN 55432. According to the company’s website, phone representatives are available primarily during regular business hours, though you can contact them until 8:00 p.m. (CST) Monday through Thursday.

See the Diversified Adjustment’s office in Coon Rapids the photo below.

How to respond to Diversified Adjustment Service, Inc.

It’s easy to get flustered by repeated phone calls, and it’s even worse when you get slapped with a lawsuit. But you can respond by asserting your rights and seeking verification of your debt.

I’m being harassed by Diversified Adjustment

Even if the debt is legitimately yours, debt collectors are forbidden from harassing practices by the federal Fair Debt Collection Practices Act (FDCPA). This law prohibits debt collectors from practices that include:

Contacting you before 8:00 a.m.
Contacting you after 9:00 p.m.
Calling you more than once per day.
Failing to identify their identity as a debt collector.
Calling your friends and family (or coworkers) about your debt.
Using vulgar, offensive, or intimidating language.
Threatening you with arrest for not paying your debt.
Refusing to validate your debt.

You can report FDCPA violations to the Federal Trade Commission (FTC) using the FTC website or by calling 877-382-4357. Alternatively, you can report the company through the CFPB’s website or by calling 855-411-2372.

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I’ve been sued by Diversified Adjustment

If you’ve received notice that Diversified Adjustment is suing you over your debt, your first step is to respond to the lawsuit by filing an Answer with the court. An Answer is an official response indicating your willingness to contest the lawsuit.

Act fast — some jurisdictions only allow a two-week window to respond, after which the judge may render a default judgment in favor of Diversified Adjustment.

Respond to a debt lawsuit in minutes.

I’m not sure the debt is mine

If you’re unsure whether your debt is legitimate, you can verify it by asking Diversified Adjustment to send you a Debt Validation Letter. This document will clearly connect you to the debt by:

Identifying your original creditor.
Demonstrating that you owe the debt.
Listing the amount you owe.
Documenting the most recent payment (if any).
Recording the age of the debt.

Remember, failing to provide you with a Debt Validation Letter is also an FDCPA violation, which you can report at the numbers above.

Still have questions about validating your debt? Check out this helpful video:

Resolve your debt with Diversified Adjustment Service, Inc.

Filing an Answer with the court will give you time to verify that the debt is yours and take steps toward a lower settlement.

Open up negotiations with SoloSettle

Your first step is to send an initial offer. SoloSettle by SoloSuit makes this easy.

Your initial offer will open negotiations between you and the collector. Agree to pay 60% of your total debt amount. Diversified Adjustment may refuse to accept this and present a counteroffer. The goal is to arrive at an amount you and the company can live with.

Let’s look at an example.

Start using SoloSettle today to resolve your debt.

Document the settlement amount

Under no circumstances should you accept a debt settlement without getting it in writing. A settlement agreement through SoloSettle will provide clear documentation that the debt is resolved for the agreed-upon amount. Make sure you also save any correspondence with Diversified Adjustment to verify the settlement process.

It’s not out of the question to think that a debt collector might go behind your back and seek a default judgment even after reaching an agreement. Having the agreement in writing will protect you from this.

Commit to your repayment plan

Once you settle your debt, you’ll commit to the repayment plan negotiated between you and Diversified Adjustment. The company website allows you to make payments online for greater convenience, or SoloSettle can help you arrange payments.

Unfortunately, a settlement will lower your credit score — but so can outstanding debt. Resolving your debt once and for all will let you move forward and start rebuilding your credit.

There is life after debt

Debt collectors can leave you stressed. But it’s important to remember that there is life after debt. Resolve your debt quickly by negotiating a lower settlement through SoloSettle. Then, you can move on and start fresh.

Settle your debt online.

How to Answer a Summons for debt collection in all 50 states

Here’s a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont; Vermont (Small Claims court)
Virginia
Washington
West Virginia
Wisconsin
Wyoming

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

11 Charter Communications
AAA Collections
Aargon Agency Inc
Absolute Resolutions Investments LLC
ACEI Collections
Account Services
Accredited Collection Services
Accredited Collection Services
Advanced Recovery Systems
AES NCT
AFNI Collections
Alco Capital Group LLC
Aldous and Associates
Alliance Collections
Alliance One
Alliant Capital Management
Alpha Recovery Corp
Alltran Financial
Alltran Health
Alorica Inc.
Amcol Clmbia in Court
American Coradius International
American Profit Recovery
American Recovery Service
Americollect
AmSher Collection Services
Apelles LLC
AR Resources
ARC Collections
ARM Solutions
Arrow Financial Services
ARS National Services
ARSC Debt Collectors
ARS National Services
ARstrat
AscensionPoint Recovery Services
Asset Acceptance LLC
Asset Recovery Solutions
Associated Credit Services
Atlantic Credit and Finance
Atradius Collections
Automated Collection Services, Inc.
Autovest LLC
Avante USA
Avantus
AWA Collections
Balekian Hayes
Bay Area Receivables
BCA Financial Services
BC Services
Benuck and Rainey
Berlin-Wheeler
Bluebonnet Financial LLC
Bonneville Collections
Bull City Financial
Bureaus Investment Group
Cach LLC
Caine and Weiner
Capio Partners
Capital Accounts
Capital Collections
Capital Management Services
CardWorks
Carmel Financial/New Coast Direct
Cavalry SPV I LLC
CBCInnovis
CBCS Collections
CBE Group
CBV Collections
CCB Credit Services
CCS Collections
CCS Offices
Central Mediation Services
Central Portfolio Control
Cerastes LLC
Choice Recovery
Choice Recovery Inc
CKS Financial
CKMS Financial
Client Services
CMRE Financial Services
COAF
Coast Professional
Comenity Bank Debt Collection
Commonwealth Financial
ConServe Debt Collection
Consumer Collection Management
Contract Callers Inc
Convergent Healthcare Recoveries
Convergent Outsourcing
Couch Conville & Blitt
Covington Credit
CRDT First
Credco in Court
Credence Resource Management
Credit Bureau Systems
Credit Control Corporation
Credit Management Company
Credit Management LP
Credit Systems
Credit Systems
CSIEZPay
CTC Debt Collector
CVCS Debt Collection
Cypress Financial Recoveries
D&A Services
Daniels, Norelli, Cecere & Tavel P.C.
DCM Services
Debt Recovery Solutions
Delanor Kemper & Associates
Department Stores National Bank
Direct Recovery Associates
Discover Collections
Diversified Adjustment
Diversified Consultants
Diversified Recovery Bureau
DNF Associates, LLC
Dodeka LLC
DRS Credit
Dynamic Collectors
Eagle Loan
Eagle Accounts Group, Inc.
Eastern Account System
EduCap
Ellington and Associates Collections
Encore Capital Group
Enerson Law
Enerson Law LLC
Enhanced Recovery Company
EOS CCA
ERC Collections
ERSolutions
Estate Information Services
Equable Ascent Financial
Everest Business Funding
Executive Credit Management
Faber and Brand
Factual Data
Falls Collection Service
FBCS
FCO Collections and Outsourcing
FIA Card Services
fin rec svc (Financial Recovery Services)
First Federal Credit Credit Control
First Financial Bank
First Portfolio Ventures LLC
First Progress
FirstPoint Collection Resources
Firstsource Advantage
FMA Alliance
FNB Omaha
Forster & Garbus
Franklin Collection Services
Freedom Plus
Freshview Solutions
Frontline Asset
Frost Arnett
Fulton Friedman & Gullace LLP
Galaxy International Purchasing, LLC
GC Debt Collection
GC Services
General Revenue Corporation
GLA Collections
Glass Mountain Capital
Glasser and Glasser
Global Credit Collection Corp
Global Trust Management
GMAC Financing
Golden 1 Credit Union
Grant and Weber
Grant Mercantile Agency
Gulf Coast Collection Bureau
Gurstel
Halsted Financial Services
Harris and Harris
Harvard Collection
Harvest Credit Management
Helvey and Associates
Hollis Cobb
Holloway Moxley
Hosto Buchan
Howard Lee Schiff
H&R Accounts
HRRG
Hudson & Keyse LLC?
Hunter Warfield
IC System
Impact Receivables Management
Innovative Recovery
Integras Capital Recovery LLC
Javitch Block
JHPDE Finance 1 LLC
JP Receivables Management Partners
JPMCB card
Kenneth Eisen and Associates
KeyBank student loans
Kinum
Kirschenbaum, Phillips & Levy P.C.
KLS Financial Services
Kramer & Frank
Lakeside Collection
Lending Club
Lincoln and Morgan Kabbage
Linebarger Goggan Blair & Sampson LLP
Lockhart Collection Agency
LJ Ross Associates
LTD Collections
Malcolm S. Gerald and Associates
Malen & Associates
Mandarich Law Group
Mannbracken
Marcam Associates
MARS Inc. Collections
MBA Law
MCA Management Company
McCarthy, Burgess & Wolff
Meade & Associates
Medicredit
Mercantile Adjustment Bureau
Merchants Credit Association
MGM Collections
Michael J Adams PC
Midland Funding LLC
Mid-South Adjustment
Monarch Recovery
Monterey Financial
Moss Law Firm
Mountain Land Collections
MRS Associates
MRS BPO
MSW Capital LLC
Mullooly, Jeffrey, Rooney & Flynn
Nathan and Nathan PC
National Collegiate Trust
National Credit Adjusters
National Credit Care
National Credit Systems
National Enterprise Systems
National Recovery Agency
National Recovery Solutions
Nationstar
Nationwide Credit
Nationwide Recovery Services
Nationwide Recovery Systems
NCEP LLC
NCO Financial Systems Incorporated
North American Recovery
Northland Group
Northstar Capital Acquisition
Northstar Location Services
NPAS
NRC Collection Agency
Oliver Adjustment Company
Oliphant Financial, LLC
Oportun
P&B Capital Group
PCB Collections Agency
Palisades Collection LLC
Pallida LLC
Paragon Contracting Services
Paragon Revenue Group
Payday Loan Debt Collectors
Pendrick Capital Partners
Penn Credit
Perdue Brandon
Persolve LLC
Phillips & Cohen Associates
Phoenix Financial Services
Pioneer Credit Recovery
PMAB LLC
PRA Group, Inc.
Pressler, Felt & Warshaw LLP
Prestige Services, Inc.
Prince Parker and Associates
ProCollect
Professional Finance Company
Progressive Management Systems
Provest Law
PYOD LLC
Quaternary Collection Agency
RAB Collection Agency
Rash Curtis and Associates
Radius Global SOL
Radius Global Solutions
Rawlings Company
Razor Capital
Real Time Resolutions
Receivables Performance Management
Regents and Associates
Reliant Capital Solutions
RentGrow
Resurgent
Resurgent Capital Services and LVNV Funding
Revco Solutions
Revenue Enterprises LLC
Revenue Group
RGS Financial, Inc.
RMP LLC in Court
RMP Services
RS Clark and Associates
RSIEH
RSIEH
RTR Financial Services
Rubin & Rothman
Salander Enterprises LLC
Samara Portfolio Management
SCA Collections
Scott Parnell and Associates
Second Round Collections
Second Round Sub LLC
Selip & Stylianou LLP
Sequium Asset Solutions
Sessoms and Rogers
Sherman Acquisition
Sherman Financial Group
SIMM Associates
Source Receivables Management
Southern Management Systems
Southwest Credit Group
Spire Recovery Solutions
SRS Company
Stark Collection Agency
State Collection Service
Stenger and Stenger
Stillman Law Office
Summit Account Resolution
Sunrise Credit Services
Superlative RM Debt Collector
Suttell and Hammer
Synergetic Communication
Synerprise Consulting
The Law Office of Michael J Scott
Trellis Company
Troy Capital
TRS Recovery Services
TrueAccord
Tulsa Teachers Credit Union
UCB Collection
UHG 1, LLC
Unifin
Unifin Debt Collector
Unifund
Universal Credit Services
US Bank Collections
USAA collections
USCB America
Valentine and Kebartas
Valley Servicing
Vance & Huffman LLC
Van Ru Credit Corporation
Velo Law Office
Velocity Investments
Viking Client Services
Wakefield and Associates
Waypoint Resource Group
WCTCB
Weinberg and Associates
Weltman, Weinberg & Reis
Westwood Funding
Williams and Fudge
Wilshire Consumer Credit
Wolpoff & Abramson
Worldwide Asset Purchasing
www.AutomotiveCredit.com
Zarzaur & Schwartz
Zwicker & Associates

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Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Am I Responsible for My Spouse’s Medical Debt?
Do I Need a Lawyer for Medical Bills?
Do I Need a Lawyer to Fight Medical Bill Debt?
Does Bankruptcy Clear Medical Debt?
How Much Do Collection Agencies Pay for Medical Debt?
How to Find Medical Debt Forgiveness Programs
Is There a Statute of Limitations on Medical Bills?
Medical Debt Statute of Limitations by State
Summoned to Court for Medical Bills — What Do I Do?
Summoned to Court for Medical Bills? What to Do Next

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

How Arbitration Works
How to Find an Arbitration Clause in Your Credit Agreement
How to Make a Motion to Compel Arbitration
How to Make a Motion to Compel Arbitration in Florida
How to Make a Motion to Compel Arbitration Without an Attorney
How Credit Card Arbitration Works
Motion to Compel Arbitration in California
Sample Motion to Compel Arbitration

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

1-800-390-7584
800-289-8004
800-955-6600
8009556600
877-366-0169
877-591-0747
800-278-2420
800-604-0064
800-846-6406
877-317-0948
888-899-4332
888-912-7925
202-367-9070
502-267-7522

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Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

15 USC 1692 Explained
Does the Fair Credit Reporting Act Work in Florida?
FDCPA Violations List
How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
How to Make a Fair Debt Collection Practices Act Demand Letter
How to Submit a Transunion Dispute
How to Submit an Equifax Dispute
How to Submit an Experian Dispute
What Debt Collectors Cannot Do — FDCPA Explained
What Does Account Information Disputed by Consumer Meets FCRA Requirements Mean?
What does “meets FCRA requirements” mean?
What does FCRA stand for?
What is the Consumer Credit Protection Act

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