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How to Resolve a Debt with Oliver Adjustment Company

Sarah Edwards | September 15, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Oliver Adjustment Company works to recover healthcare debts from consumers in over 20 states. If you’ve been contacted by Oliver Adjustment Company about a debt, SoloSuit can help you request a debt validation, respond to a debt lawsuit, and settle your debt before going to court.

A visit to the doctor isn’t cheap. Even with health insurance, you’ll incur a co-pay, which usually varies between $25 and $50. Consumers who need to visit the emergency room may need to pay several hundred dollars, and an extended hospital stay involving surgery can cost thousands.

According to a recent U.S. Census Bureau survey, nearly 20% of households carry medical debt. The median amount of debt was $2,000 — a significant chunk that can easily take a bite out of a consumer’s monthly cash flow.

If you don’t make arrangements to pay a medical bill, the debt may end up with a collection agency like Oliver Adjustment Company.

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What to know about Oliver Adjustment Company

Oliver Adjustment Company is a legit medical debt collection agency. According to its website, it has been in business since 1919. The company primarily focuses on collecting medical debt, which it is licensed to do in over 20 states.

Here is the phone number for Oliver Adjustment Company, along with other contact information:

  • Phone: 877-609-2570
  • Address: 908 8th Avenue, P.O. Box 500, Baraboo, WI 53913
  • Email: info@oac.bz

Oliver Adjustment Company is accredited by the Better Business Bureau (BBB) with a current A- rating. Despite this positive company rating, the BBB has reported dozens of complaints against Oliver Adjustment Company.

Most complaints are from consumers who allege they didn’t owe the debt and that their medical insurance had covered their bill. In one case, a consumer complained about a bill from Oliver Adjustment Company for over $4,000 they had previously paid. After some investigation, Oliver Adjustment Company agreed to close the account and deleted the derogatory information from their credit report.

Based on these reviews, you should definitely investigate the alleged debt before you make any payments to Oliver Adjustment Company. In fact, it’s one of your rights as a consumer to request debt validation when debt collectors contact you.

Make Oliver Adjustment Company validate the debt

If you receive a collections notice from Oliver Adjustment Company, you’ll want to take action quickly. Read over the message to determine whether you recognize the amount due and the original creditor, which will likely be a medical facility. If you do, your medical provider probably sent your bill to Oliver Adjustment Company to handle.

Your next step is to send a Debt Validation Letter. This letter asks the collection agency to prove that you owe money and demonstrate that it has the right to collect it. You should request all of the following in your letter:

  • The name of the original creditor.
  • The amount that you owe.
  • The dates of your treatment.
  • A breakdown of any additional fees.
  • The age of the debt compared with your state’s statute of limitations.
  • Proof that Oliver Adjustment Company now owns your debt.
  • The company’s debt collection license number for your state.

Once Oliver Adjustment Company receives your letter, it can’t take any further action against you until it responds. If you don’t hear back, the company probably doesn’t have the evidence you requested.

However, keep a close eye on your credit report to ensure that Oliver Adjustment Company doesn’t report any negative information. If it does, make sure to dispute it.

Check out the following video to learn how to request a debt validation from Oliver Adjustment Company.

Resolve your debt with Oliver Adjustment Company

Once Oliver Adjustment Company validates your debt, you’ll need to decide whether to repay it, ignore it, or settle it. Remember that debt collection agencies can sue you, but they usually won’t take that step unless you owe a lot of money and the statute of limitations is nearing.

Repaying the debt in its entirety is the easiest solution. That prevents a lawsuit, and you should stop receiving calls and letters. Oliver Adjustment Company will also report your debt paid to the consumer credit agencies, eliminating any additional harm to your credit score.

You can also ignore the notice, but this won’t lead to any positive result. Rather, ignoring a collections letter could make matters worse. Oliver Adjustment Company will likely continue to report your account adversely to the credit reporting bureaus, harming your credit score. The company may also decide to sue you.

You don’t want to end up in a debt lawsuit with Oliver Adjustment Company. If you do, and the collection agency wins the case, it will obtain a judgment. A judgment allows it to take additional action, like garnishing your wages or seizing your bank account.

The best way to avoid a default judgment is to respond to your debt lawsuit with an Answer. In your Answer, you should address each claim against you and assert your affirmative defenses.

Settle your debt with Oliver Adjustment Company

Another option is debt settlement. In a debt settlement, you offer to pay Oliver Adjustment Company a portion of what you owe. The higher your offer, the more likely the company is to accept it. You'll pay the negotiated amount if Oliver Adjustment Company agrees to the settlement. Then, it will forgive the remaining amount due and report the account settled.

We recommend offering at least 60% of the debt’s value, but it’s at your discretion. If your financial circumstances don’t allow you to pay that much, you can explain the situation and see if Oliver Adjustment Company will work with you.

Watch this video to learn more about how to settle a debt with Oliver Adjustment Company:

SoloSettle, powered by SoloSuit, is a tech-based approach to debt settlement. Our software helps you send and receive settlement offers until you reach an agreement with the collector. Once an agreement is reached, we’ll help you manage the settlement documentation and transfer your payment to the creditor or debt collector, helping you keep your financial information private and secure.

Let’s consider an example.

Example: After an unexpected visit to the hospital, Garfield ended up with a medical bill of $2,000 even after insurance. Garfield never paid the bill, and the hospital sent it to Oliver Adjustment Company. When Garfield received the collection notice, he sent the company a Debt Validation Letter. After Oliver Adjustment Company verified the debt, Garfield decided to offer a settlement of $1,200. The collection agency approved the settlement, and Garfield paid the money. He didn’t need to worry about the bill anymore.


Be proactive with Oliver Adjustment Company to avoid credit damage

If you receive a letter from Oliver Adjustment Company, it probably concerns a medical debt. Before sending any money, it’s best to validate the debt with a Debt Validation Letter. If you receive evidence that you owe the debt, make arrangements to repay or settle it to avoid adverse reports that hurt your credit.

Do you need help settling an Oliver Adjustment Company debt, pronto? No problem — try SoloSettle, our debt settlement product.

What is Solo?

Solo makes it easy to resolve debt with debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt. SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

SoloSettle can help you contact your debt collector or creditor and negotiate the debt to settle for less, all online. It simplifies and streamlines the process to settling your debt.

No matter where you find yourself in the debt collection process, Solo is here to help you resolve your debt.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

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