Merchants Adjustment Service in Texas

Third-party agencyMobile, AL

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. Each fact below links to where it comes from wherever a source is on record, with the date it was last checked where a check has run.

Visit masinc.org How to reach Merchants Adjustment Service safely

Texas bond

12 years continuous

Bond on file

Active, $10,000

CFPB complaints on record

368

CFPB database: consumerfinance.gov · Last checked: October 7, 2026

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: texas-sos.appianportalsgov.com · Last checked: October 5, 2026

Public-record facts about Merchants Adjustment Service

Fact	Value	Source
Headquarters	Mobile, AL	Named on: masinc.org · Last checked: October 10, 2026
Company type	Third-party agency	Classified by us from: masinc.org · Last checked: October 10, 2026
Debt types handled	Healthcare, Commercial, Consumer	Healthcare, Commercial named on: masinc.org · Last checked: October 10, 2026 Consumer: source: masinc.org
Website	masinc.org
Texas surety bond history	12 years continuously bonded Canceled Close File SoS File 20140312 · filed December 22, 2014 · canceled January 1, 2016 · The Cincinnati Insurance Company · bond 0567290 Active SoS File 20140160 · filed June 25, 2014 · The Cincinnati Insurance Company · bond 0567290	Register: texas-sos.appianportalsgov.com · Last checked: October 5, 2026
CFPB debt-collection complaints on record	368	CFPB database: consumerfinance.gov · Last checked: October 7, 2026

How to reach Merchants Adjustment Service safely

From Merchants Adjustment Service's own website, read October 6, 2026. Each detail links to the page that shows it.

Call: 800-239-6043 Toll-free As shown on Merchants Adjustment Service's own website, read October 6, 2026
251-476-6666 As shown on Merchants Adjustment Service's own website, read October 6, 2026
Pay online: go.paynseconds.net This payment site is on a different domain from Merchants Adjustment Service's own website: paynseconds.net ('Pay N Seconds'; the page warns 'you will be leaving Merchants Adjustment Service's website'). Merchants Adjustment Service's own website links to it. As linked from Merchants Adjustment Service's own website, read October 6, 2026
Write to: Send all written correspondence to: Merchants Adjustment Service PO Box 7511 Mobile, AL 36670 As shown on Merchants Adjustment Service's own website, read October 6, 2026
Hours: Monday 8:00 AM - 5:00 PM CST | Tuesday 8:00 AM - 4:30 PM CST As shown on Merchants Adjustment Service's own website, read October 6, 2026. Its website may list days not shown here

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Common questions about Merchants Adjustment Service

Is Merchants Adjustment Service licensed to collect debt in Texas?

Merchants Adjustment Service has an active $10,000 surety bond on file with the Texas Secretary of State (SoS File 20140160), last checked October 5, 2026. Texas does not issue a collection license; that bond is what Texas Finance Code Chapter 392 requires of a third-party debt collector before it collects consumer debts.

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 company'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 368 debt-collection complaints referencing Merchants Adjustment Service, as of October 7, 2026. This counts debt-collection complaints only, all years, not every complaint the Bureau holds about the company; the profile links the same search on the live CFPB database; a complaint is a record, not a verdict, and the CFPB says its database is not a statistical sample of consumers’ experiences.

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This profile presents factual information drawn from public records, the company's own website and, where a row names one, a business directory, each linked to its source where one is on record, with a last-checked date wherever a check has run. 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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