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How to Resolve Debt With Diversified Adjustment

Sarah Edwards | December 04, 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: Diversified Adjustment Service, Inc. is a debt collection company that handles various forms of consumer debt. If you’ve been contacted by Diversified Adjustments, you can assert your rights by using SoloSuit to file an Answer to a debt collection lawsuit and resolve your debt by negotiating a lower settlement amount.

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.

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.

Example: Greg initially panicked when he received notification about his debt lawsuit. But after filing an Answer with the court, he took the time to validate his debt, then used SoloSettle to open up the negotiation process. His first offer of 60% was rejected, but Diversified Adjustments presented a counteroffer of 67%, which Greg happily accepted. He’s now working on paying back the debt and repairing his credit.


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.

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Not sued yet?

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Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.


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