Merchants Adjustment Service

Last checked: August 11, 2026

Merchants Adjustment Service is a debt collection agency headquartered in Mobile, AL. It has held a Texas surety bond continuously for 12 years, and currently has an active $10,000 bond on file with the Texas Secretary of State (SoS File 20140160), meeting the Texas Finance Code Chapter 392 requirement for third-party debt collectors. Every fact below links to its public source with the date it was last checked.

12 years

of continuous verified Texas bond history on the Texas Secretary of State register. Merchants Adjustment Service currently holds an active $10,000 surety bond.

Source: direct.sos.state.tx.us · Last checked: August 24, 2026

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Verified facts about Merchants Adjustment Service

Fact	Value	Source
Headquarters	Mobile, AL	Source: masinc.org · Last checked: August 11, 2026
Year founded	1968	Source: masinc.org · Last checked: August 11, 2026
Company type	Third-party agency	Source: masinc.org · Last checked: August 11, 2026
Debt types handled	Healthcare, Commercial, Consumer	Source: masinc.org · Last checked: August 11, 2026
Website	masinc.org
Texas surety bond history	12 years continuously bonded Canceled Close FileSoS File 20140312· filed December 22, 2014· canceled January 1, 2016· The Cincinnati Insurance Company· bond 0567290 ActiveSoS File 20140160· filed June 25, 2014· The Cincinnati Insurance Company· bond 0567290	Register: direct.sos.state.tx.us · Last checked: July 12, 2026
CFPB complaints on record	363	CFPB database: consumerfinance.gov · Last checked: August 11, 2026

Common questions about Merchants Adjustment Service

Is Merchants Adjustment Service licensed to collect debt in Texas?

Yes. Merchants Adjustment Service has an active $10,000 surety bond on file with the Texas Secretary of State (SoS File 20140160), which is the legal requirement for third-party debt collectors under Texas Finance Code Chapter 392, last checked August 24, 2026.

What types of debt does Merchants Adjustment Service specialize in collecting?

According to its own website, Merchants Adjustment Service specializes in medical and healthcare collections, read July 12, 2026. A specialty is the agency's own published claim; this directory verifies the public register facts, not the claim. All declared medical debt collection specialists are listed on our industry pages.

Does Merchants Adjustment Service have complaints on record?

The public CFPB Consumer Complaint Database records 363 debt-collection complaints referencing Merchants Adjustment Service, as of August 11, 2026. This is the total on record and links to the live CFPB database; a complaint is a record, not a verdict, and larger agencies naturally accrue more.

This profile presents factual information drawn from public records, with a source and last-checked date for every fact. It is not a recommendation to do business with this company, is not legal advice, and is no substitute for your own due diligence.

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