top of page

Our Expertise

Merchants Adjustments Service was founded as a medical collection agency.  Over 98% of our business is medical bad debt.  Our reports, software and collections orientation are completely geared toward medical collections.
What We Do

​We understand the nature of this type of business.  With this in mind we have developed a collections approach that is both effective and professional.

Mission Statement

To excel with integrity in collecting money for and supporting our clients, while also respecting and helping debtors resolve their debt.



We provide many additional services beyond standard collections:

  • Pre collection letters

  • Early out programs

  • Contract billing

  • Skip tracing

  • Integrity - to be honest in all business dealings.

  • Professionalism - to treat each and every person with dignity and respect.

  • Diligence - to properly use the tools, techniques and personnel to maximize effectiveness.

Educational Seminars

Educational seminars are also available covering topics such as:

  • Telephone collections

  • Office collections

  • Legal collections


A healthy, vibrant credit industry allowing consumer and creditor alike to prosper.


This communication is from a debt collector and is an attempt to collect a debt.  Any information obtained will be used for that purpose.


bottom of page