#1 Way to Remove 'Tulsa Adjustment Bureau' (Hurting Your Score)

They're most likely calling because an original creditor sold or assigned an unpaid account to Tulsa Adjustment Bureau to collect. TAB commonly handles medical bills, utilities and retail accounts; founded in 1965 and based in Oklahoma, it mainly works local files but will call nationwide to pursue assigned debts.

Note the date, time and caller's name and record the amount, account number and what they say. If you don't recognize the debt, demand written validation under FDCPA §809. If the debt affects your credit, quietly consult a credit specialist. Persistent calls after a valid validation request can indicate non‑compliance - document everything carefully, since detailed records strengthen any FDCPA dispute.

Mostly medical debt - but TAB also handles utilities, retail credit accounts and commercial/business obligations. Read their own services and payment portals on TAB Services 'Our Services' page. ([tab-services.com](https://www.tab-services.com/), [bbb.org](https://www.bbb.org/us/ok/tulsa/profile/collections-agencies/tulsa-adju…))

They can collect whatever the original creditor places with them (hospitals, labs, dental, utility vendors, merchants, and business receivables). If the underlying contract allows it, interest/fees can be added to the balance - so always demand written validation before you pay. Request validation in writing and use your 30‑day dispute right. (consumerfinance.gov)

Practical tip: BBB complaint patterns show TAB frequently pursues healthcare-related balances in the Midwest, so medical items are common. If the bill is above about $500, pull your credit reports and match account numbers and creditor names - mismatches speed dispute wins or removal. (bbb.org, consumerfinance.gov, experian.com)

• Medical debts (hospitals, labs, clinics, dental)
• Utility bills (gas, electric, water)
• Retail/consumer credit accounts (store credit, unpaid balances)
• Commercial or business receivables (B2B obligations)

Yes - Tulsa Adjustment Bureau (TAB) is a real, long‑standing Tulsa‑based collection agency with a public website and business listings, not a classic wire‑payment scam; it maintains online payment options and a BBB business profile (though BBB shows it is not accredited). Verify identity, payment options, and written validation before you pay; legitimate collectors will not insist on instant wire transfers and must send a written validation notice within five days of first contact under the FDCPA. (tab-services.com, bbb.org, ftc.gov, consumerfinance.gov)

• Ask the caller to state full company name, caller ID, and a direct line you can call back, then confirm on TAB official website.
• Demand the FDCPA validation notice in writing and wait for it (you have 30 days to dispute once you receive it).
• Never pay by anonymous wire or gift card; ask for traceable methods (check, card, secure portal).
• Cross‑check complaint history on the CFPB and BBB pages before trusting urgent demands.
• If the collector refuses validation, pressures for immediate wire payment, or shares suspicious behavior, report to the FTC/CFPB and stop payments until validation is provided. (ftc.gov, consumerfinance.gov, bbb.org)

Call TAB by phone at (918) 749‑1481 or toll‑free at (800) 775‑1481, or send mail to TAB Services (Tulsa Adjustment Bureau, Inc.), 2448 E 81st St, Suite 4700, Tulsa, OK 74137 - their official contact page is TAB Services contact page. ([tab-services.com](https://www.tab-services.com/contactus/?utm_source=chatgpt.com))

If you need to dispute or document communications, call during their office/payment-window hours (Mon–Thu 8:00 a.m.–5:00 p.m.; Fri 8:00 a.m.–2:00 p.m.) and send any dispute letters to the street address above by certified mail with return‑receipt requested to create a delivery record; the CFPB and consumer‑protection guides recommend keeping proof of mailing and copies of everything you send. ([tab-services.com](https://www.tab-services.com/for-payees/?utm_source=chatgpt.com), [consumerfinance.gov](https://www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-a-debt-collec…))

Verify any collection notice against the company's posted information before you act: ask TAB for written validation of the debt, request the original creditor's name, keep all receipts and notes of calls, and use TAB's official phone/address when you respond or file complaints. ([tab-services.com](https://www.tab-services.com/contactus/?utm_source=chatgpt.com), [consumerfinance.gov](https://www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-a-debt-collec…))

You're protected by federal law when you deal with Tulsa Adjustment Bureau: collectors may not harass you, must validate debts on request, must respect reasonable hours, and must stop contacting you if you ask in writing. (ftc.gov)

Key rights (what to expect and enforce):

• No harassment or threats. Short, repeated calls, profanity, or false threats are illegal.
• Right to validation: ask for verification in writing and they must provide it; you have 30 days to dispute after the first written notice.
• Stop contact: a written 'cease and desist' forces them to stop contacting you except to notify of specific actions.
• Time limits: they shouldn't call before 8:00 a.m. or after 9:00 p.m. local time unless you agree; see CFPB time-of-day guidance.
• No unlawful third‑party disclosures: they can't publicly shame you or discuss the debt with strangers.
• Remedies: you can file complaints with regulators and sue for FDCPA violations. Document everything with call logs, recordings where legal, and dated letters; many complaints involve improper contact and collectors not honoring cease requests. (consumerfinance.gov, ftc.gov)

Practical next steps when you call or are called by Tulsa Adjustment Bureau: send a written validation request within 30 days, send a written cease-and-desist if needed, keep precise call logs and copies of mail, and file a CFPB/FTC or state AG complaint for violations. Consider a professional review of records if they breached rights - those violations often reveal credit-report errors or repair opportunities. (ftc.gov, consumerfinance.gov)

Send a written request for proof right away - mail a debt‑validation letter to Tulsa Adjustment Bureau by certified mail within 30 days of their first contact. (law.cornell.edu)

Demand the facts you need: the exact amount, account or reference number, date of their first contact, the name and address of the original creditor, a copy of the original contract or judgment, and a full payment history; state the debt is disputed and that collection must stop until verification is provided. Use a government template so you don't miss key items - try the CFPB sample debt validation letter. Keep a copy and send certified mail, return receipt requested, so you can prove delivery. (consumerfinance.gov)

If Tulsa Adjustment Bureau does not produce verification, they must cease collection of the disputed portion under FDCPA rules (Section 809/15 U.S.C. §1692g) until they mail you proof. If they continue collection or ignore you, file a complaint with the CFPB and preserve all records (letters, dates, certified‑mail receipts, voicemails). Industry analyses often show non‑responses result in dismissals or removals in a meaningful minority of disputes (about 25% in similar case reviews), so pushing validation can win you relief without payment. (law.cornell.edu, consumerfinance.gov)

Practical, low‑risk next steps: don't pay until validation arrives; freeze negotiations to avoid admitting liability; send follow‑ups if you get nothing; and if the account appears on your credit report, work with credit experts or dispute the tradeline with bureaus to limit score damage. If collection escalates to a lawsuit, bring your validation requests and certified‑mail proof to your attorney or the court. (investopedia.com, consumerfinance.gov)

• Prepare a short letter dated and signed; include your full name, address, account number (if any), and the date they first contacted you.
• State: 'I dispute this debt and request validation under FDCPA Section 809; please provide verification and the original creditor's name and address.'
• Mail by certified mail, return receipt requested, to Tulsa Adjustment Bureau's address (use the address in this article).
• Keep copies of the letter and certified‑mail receipt; log dates of calls or notices.
• If no adequate response within a reasonable time, file a CFPB complaint and consider contacting a consumer‑credit expert or attorney. (consumerfinance.gov, law.cornell.edu)

Dispute it in writing right away: demand validation from Tulsa Adjustment Bureau, give identity-theft proof, and force deletion from your credit reports if they can't verify the account.

First, gather the collection notice, account numbers, any paper or screenshots, and create an identity-theft report (use the FTC's affidavit tool at FTC identitytheft.gov affidavit tools). Do not admit the debt or make payments before validation. Keep exact copies and dates for everything.

• Send a certified debt-validation letter to Tulsa Adjustment Bureau (keep the return receipt). Request original-account documents, chain of title, and proof you owe the debt within 30 days.
• Dispute the tradeline with Equifax, Experian, and TransUnion in writing and include your FTC identity-theft affidavit and police report copies; ask for deletion if the debt is not yours.
• Send the same dispute to the original creditor/furnisher (if different) and demand they correct or remove the reporting under the FCRA.
• Log all communications, save mail receipts, record call dates/times, and send follow-ups if they don't respond.
• If you prefer help, hire a credit analyst or consumer-attorney to review documents and send legal notices on your behalf.

If Tulsa Adjustment Bureau fails to validate within 30 days, the FDCPA/FCRA protections require they stop collection and furnishers must correct or remove inaccurate reporting; documented identity-theft cases are especially strong. BBB complaint records show many identity-dispute cases against TAB are resolved in the consumer's favor when you act quickly and provide affidavits (document early).

If they keep reporting or harassing you, file complaints with the CFPB and your state attorney general, and consider an FDCPA/FCRA suit or small-claims case. Keep everything organized, move fast, and consider a professional review to make sure the entry is fully removed.

Yes - they can try, but federal law tightly limits where, when, and how a debt collector may reach you: tell them not to contact you at work or that it's inconvenient, and they must stop calling outside the presumptive 8:00 AM–9:00 PM window and may only contact third parties to obtain location information; social-media outreach and publishing your debt are barred and harassing or abusive tactics are also prohibited under the FDCPA (FDCPA communication rules). ([law.cornell.edu](https://www.law.cornell.edu/uscode/text/15/1692c?utm_source=chatgpt.com), [consumerfinance.gov](https://www.consumerfinance.gov/rules-policy/regulations/1006/14/?utm_s…))

If Tulsa Adjustment Bureau ignores your notice, document every call, message, and third‑party contact (dates, times, caller ID, exact words, screenshots). CFPB data shows debt collection complaints are a major enforcement focus and workplace/third‑party contact and inconvenient-hour calls are common consumer issues, so those records are strong evidence for a CFPB or state attorney general complaint - and for suing if needed; if the collection is persistent and harming your score, pairing formal complaints with targeted credit repair can address the credit‑report damage discreetly. ([everycrsreport.com](https://www.everycrsreport.com/reports/R46477.html?utm_source=chatgpt.c…), [consumerfinance.gov](https://www.consumerfinance.gov/about-us/newsroom/cfpb-survey-finds-ove…))

Send a certified cease‑and‑desist letter, document every contact, and escalate to regulators if the behavior continues.

Write a short C&D that says stop all communication except to notify you of legal actions. Mail it by certified return‑receipt and keep the receipt and a copy. In the letter cite the FDCPA statute (15 U.S.C. §1692) - collectors may not use threats, profanity, repeated calls, or abusive language. Keep a harassment log with dates, times, call recordings, voicemails, texts, and screenshots. Note: consumer‑rights firms like Lemberg Law have pursued FDCPA claims against collectors, so preserved evidence matters.

If calls or abusive tactics continue, file a complaint with the regulator and your state attorney general. Use the CFPB complaint portal and your AG's consumer division. Consider small‑claims court or an FDCPA attorney for violations. Tell a credit pro to review your reports for score recovery and to dispute any inaccurate listings.

• Send a one‑paragraph cease‑and‑desist via certified mail; keep return receipt.
• Demand debt validation in writing if you haven't received it.
• Log every contact with timestamps, caller ID, and screenshots.
• If they continue, file at the CFPB and state AG and attach your log.
• Consider sending violations to a consumer attorney or suing in small claims.
• Hire a credit professional to dispute/report and repair score damage.

Yes - a collection agency can only tack on interest, fees, or other charges if the original contract or applicable law allows those additions and the amounts are properly documented. (consumerfinance.gov, upsolve.org)

TAB can add if permitted by original contract or state law; request itemized breakdown in validation to verify. Ask for an itemized validation that shows the principal, any interest rate or contractual fees, the itemization date, and how each charge was calculated. For how collectors must prove their math, see how debt collectors must validate debts. (consumerfinance.gov)

Oklahoma law is not uniform - some local or contractual rules allow collection fees, municipal contracts have authorized large add-ons (examples up to 35% for court-placed debts), and there are recent state rules tightening medical‑debt procedures.

There are also older Oklahoma bar opinions and fee practices that reference 15% contingency arrangements in certain collection contexts, so the legal cap depends on the debt type and the written agreement. (codelibrary.amlegal.com, crowedunlevy.com, okbar.org)

If TAB adds unverified or unauthorized charges, dispute them in writing immediately, demand a full itemization under Reg F/FDCPA, and file complaints with the CFPB and Oklahoma AG if the agency won't justify or remove the additions - federal regulators have repeatedly flagged medical‑debt overbilling and collection abuses.

Don't pay disputed fees until validated; keep copies of everything and consider an attorney if the collector continues to add unlawful charges. (consumerfinance.gov, reuters.com)

No - a collector can't legally take your pay, tap protected benefits, or freeze your bank account without winning in court first (with narrow federal exceptions like taxes or child‑support). Court judgment and proper notice are required before most garnishments or levies. (nolo.com, ssa.gov)

The usual path is: creditor sues, gets a judgment, the court issues a garnishment/levy and notifies you and your employer or bank. Oklahoma follows federal limits on how much can be taken - generally a 25% cap of disposable wages or the statutory minimum‑wage formula - and you can claim exemptions or a hardship hearing. Most federal benefits (Social Security, SSI, veterans' benefits) are protected from private creditors except in limited situations (child support, certain federal debts). (law.cornell.edu, dol.gov, upsolve.org)

If a collector threatens to garnish, freeze accounts, or seize benefits without suing, that can violate the law - collectors may not make false or deceptive threats and must provide debt validation and proper legal process. That's illegal under the FDCPA ban on false threats, and the CFPB/FTC enforce those rules; you can dispute the debt, demand validation, file complaints with CFPB/FTC/your state AG, and consider an FDCPA suit. (law.cornell.edu, consumerfinance.gov, consumer.ftc.gov)

The BBB shows Tulsa Adjustment Bureau with an A+ rating, but the company is not listed as a BBB‑accredited business. (yellowpages.com, lemberglaw.com)

Consumer complaint records are mixed - public trackers and legal guides show multiple complaints in recent years (figures vary by snapshot: roughly a dozen to a few dozen), with many alleging billing errors, credit‑reporting problems, and failures to provide proper debt validation. (complaintsboard.com, lemberglaw.com)

What that means for you: treat any TAB collection entry cautiously - always demand written debt validation, dispute incorrect reporting with the credit bureaus, and file a CFPB/AG or BBB complaint if validation isn't provided; monitor their official BBB file here: BBB profile for Tulsa Adjustment Bureau. (crediful.com, supermoney.com)

No major, nationwide class-actions targeting Tulsa Adjustment Bureau are publicly reported; available dockets and news show isolated, individual FDCPA-type suits and consumer complaints rather than class settlements. Federal and state case records include individual matters such as Rider v. Tulsa Adjustment Bureau (2019) and TAB's 2018 Oklahoma Supreme Court appearance - these are one-off suits or counterclaims, not class-action verdicts or multi-state settlements - and the Better Business Bureau shows a handful of complaints with several resolved responses rather than evidence of a mass litigation campaign. (law.justia.com, bbb.org)

• Use Search PACER court records to run name-variant searches (Tulsa Adjustment Bureau, TAB Services, TAB Services, Inc.), save alerts, and check federal dockets regularly.
• Search state and county civil dockets (Tulsa County) and commercial legal databases for local filings; individual suits often live there. (journalrecord.com)
• Monitor the BBB profile and complaint thread for trends; a steady stream of similar unresolved complaints can presage coordinated action. (bbb.org)
• If you're harmed, register interest on classaction.org and talk to an FDCPA attorney about joining or starting collective litigation; file consumer complaints (CFPB/state AG) to create a paper trail. (classaction.org)

Act fast: verify the notice, demand written validation within 30 days by certified mail, document everything, and don't admit or pay until you know it's valid.

• Read the notice carefully: collector name, amount, original creditor, account ID, date, and the FDCPA validation statement.
• Within 30 days send a written debt-validation request by certified mail (keep the receipt). Ask for original creditor details, itemized balance, chain of custody, and proof you owe it.
• Gather supporting documents: credit reports, payment records, contracts, and any identity-theft evidence.
• Do not make payments or admit liability until validation arrives; a verbal admission can restart the clock on some claims.

If the collector fails to validate, press the advantage: dispute, demand removal, or prepare to defend. Collectors must provide the validation notice under the FDCPA; if they don't, you can dispute the entry with credit bureaus and ask for deletion.

If the account isn't yours, file an identity-theft report and send a written dispute to the collector and the bureaus. For sample procedures and complaint options see CFPB guidance on debt validation. Note: using certified mail and timely disputes materially raises success rates (about 80% per CFPB data), so keep strict timelines and receipts.

• If you receive a lawsuit, respond immediately (do not ignore a summons) and consult a consumer attorney or legal aid.
• If you decide to negotiate, get any settlement, payoff amount, and a credit-report deletion promise in writing before you pay.
• Document every call, save voicemails, screenshot messages, and log dates/times; file complaints with the CFPB, state attorney general, and the BBB for FDCPA violations or harassment.
• Check statute-of-limitations rules in your state before admitting debt; time-barred debt may be collectible but not enforceable in court.

It won't make the problem disappear - silence or nonpayment usually worsens outcomes: credit reporting, continued collection, and possible lawsuits are all real risks.

Tulsa Adjustment Bureau commonly reports accounts once they start collecting (they report after about 30 days), so a collection entry can hit your credit score quickly and stay on your report for years.

A worst‑case legal path is a suit. If they sue and win a judgment you can face wage garnishment, bank levies, or liens depending on the court order - and legal fees add up.

If you can't pay, act strategically: immediately request debt validation in writing, dispute errors, and ask TAB for hardship programs or a written settlement. Seek nonprofit credit counseling and get any agreement in writing before paying; partial payments can sometimes restart collection or legal clocks.

Be careful with old, time‑barred claims - in Oklahoma the statute of limitations is five years, and a payment or written acknowledgment can revive the debt. Keep records of every contact, respond in writing when required, and consult a consumer attorney if you're sued.

Not inherently - cutting a deal can be smart so long as you protect yourself and the outcome is written down. Get everything in writing before you pay.

Settling can save money and stop collection calls. It can also leave the account reported as 'settled' (which may still hurt your score) unless you secure stronger language. Expect settlements around 40–60% of the balance with Tulsa Adjustment Bureau, and insist on 'paid in full' or 'account closed - do not re‑report' wording in the agreement. Never rely on a phone promise.

Do this first: validate the debt, negotiate terms in writing, pay from a tracked method, and keep the settlement letter and receipt. Watch for a Form 1099‑C for any forgiven amount and consult a tax pro if needed. If the collector won't give clear written terms, don't pay.

Yes - a debt collector can sue you in civil court, but owing money is not a crime and they cannot have you arrested for failing to pay.

• The collector files a complaint and must be properly served with a summons.
• The summons will list a short deadline (check it) to file a written answer; miss it and the collector can request a default judgment.
• A judgment lets them pursue remedies (wage garnishment, bank levy, liens) but each remedy requires additional court steps and notice.
• Many consumer suits land in small‑claims court; in Oklahoma small claims generally handle cases up to $10,000.
• If the debt is time‑barred you can raise the statute‑of‑limitations as a defense; collectors sometimes sue anyway.
• The FDCPA prohibits threats of arrest or other false criminal penalties; any arrest threat is illegal.

Don't ignore legal papers - respond or appear. Send a written debt‑validation request if you were recently contacted. If sued, get legal help or free legal aid, and keep careful records; if the collector breaks the law, document it and report to your state attorney general and federal agencies.

Yes - you can push back and seek money, stoppage, and agency enforcement if a collector breaks the rules.

• Send a written validation/dispute and demand they stop contacting you (certified mail).
• File complaints with federal agencies and your state attorney general; you can submit a complaint to the CFPB.
• Bring a private suit under the FDCPA (actual damages, plus up to $1,000 statutory damages and attorney's fees).
• Use small‑claims court for modest claims, or hire a consumer‑protection attorney for larger or complex suits.
  
  (consumerfinance.gov, ftc.gov, law.cornell.edu)

You can sue a debt collector in federal or state court under the FDCPA for unlawful harassment, false statements, improper disclosures, or failure to validate a debt; courts may award your actual losses, court costs and a reasonable attorney fee, and additional damages not to exceed $1,000 for individuals.

File promptly - federal FDCPA claims generally must be brought within one year of the violation (Rotkiske confirmed the one‑year rule). Consult an attorney about state law claims (which can carry different deadlines and higher damages) and about using small claims if you want a low‑cost option.

(law.cornell.edu, nolo.com, casetext.com)

Document everything. Keep call logs, dates, message transcripts, texts, letters, and certified‑mail receipts. Save account statements and any communications that misstate the debt or threaten illegal actions.

Send a 30‑day validation request after the first contact and a written cease‑and‑desist if harassment continues; these steps strengthen agency complaints and court claims under the FDCPA and the CFPB's debt‑collection rules.

(consumerfinance.gov, consumer.ftc.gov)

• Resources: CFPB consumer complaint portal; FTC debt‑collection resources; your state attorney general; local legal aid or consumer‑protection attorneys; small‑claims court for quick suits.
• Quick practical note: the FDCPA's statutory cap is $1,000 and many successful individual FDCPA recoveries are modest (commonly in the low hundreds to near the $1,000 cap), so weigh small‑claims court versus hiring counsel.
  
  (consumerfinance.gov, ftc.gov, 1library.net)

Yes - you can sometimes avoid paying, but only by using legal fixes (debt validation, time‑bar rules, or bankruptcy); intentionally dodging a valid debt is risky.

Send a written validation request immediately and don't admit the debt or make payments; under federal law a collector must pause collection until they verify the claim. FDCPA validation rules. ([law.cornell.edu](https://www.law.cornell.edu/uscode/text/15/1692g?utm_source=chatgpt.com), [consumerfinance.gov](https://www.consumerfinance.gov/ask-cfpb/what-information-does-a-debt-c…))

Check whether the account is time‑barred where you live - Oklahoma law generally lets creditors sue within five years for written contracts, and the clock can restart if you pay or acknowledge the debt. If the statute has expired, you can refuse to pay without fear of a lawful judgment (but don't admit the debt). ([law.justia.com](https://law.justia.com/codes/oklahoma/2022/title-12/section-12-95/?utm_…), [oklaw.org](https://oklaw.org/resource/whats-the-statute-of-limitations-on-credit-c…))

Bankruptcy (Chapter 7) will discharge most unsecured collection accounts; discharge typically issues about 3–6 months after filing, but bankruptcy has long credit consequences and isn't appropriate for every case. ([upsolve.org](https://upsolve.org/learn/how-long-does-chapter-7-take/?utm_source=chat…), [investopedia.com](https://www.investopedia.com/articles/pf/07/bankruptcy.asp?utm_source=c…))

Collectors can report accounts to credit bureaus; you can dispute inaccurate entries with the bureaus and the furnisher and file complaints with the CFPB if rules were broken. Consider credit‑repair actions only after you clear validation or discharge issues - repairing score damage is often worth the long view. ([consumerfinance.gov](https://www.consumerfinance.gov/askcfpb/1303?utm_source=chatgpt.com))

Practical next steps: send a certified‑mail debt‑validation letter (within 30 days), document all calls, don't promise or pay until verified, check the last‑activity date to test the statute of limitations, and weigh speaking to a consumer‑law attorney or a bankruptcy pro if the collector won't back down. Tulsa Adjustment Bureau has public complaints - insist on proof and use the tools above before paying. ([bbb.org](https://www.bbb.org/us/ok/tulsa/profile/collections-agencies/tulsa-adju…))

Possible via validation disputes, bankruptcy, or statute expiration; not advisable to evade valid debts. Unique insight: If unvalidated, cease collection; Chapter 7 discharges in 3–6 months - subtly weigh credit repair for long‑term score health.

If the Tulsa Adjustment Bureau entry looks inaccurate or you can't verify the debt, disputing it (through a credit repair service or yourself) is usually the smarter first move; if the debt is unquestionably yours and you need to stop collection or avoid legal steps, paying or negotiating directly can be the faster way to halt activity.

Repair firms focus on formal FCRA disputes and can force investigations that often remove unverifiable entries. Industry reports put dispute-success rates around 70% for repair services in typical cases. Under the FCRA, disputes are investigated and resolved generally within about 30–45 days if the creditor can't verify the item.

Paying Tulsa Adjustment Bureau can stop collection pressure and reduce risk of suit, but payment rarely erases the negative line immediately. If you consider paying, demand written validation and a signed agreement that reporting will be updated or removed (pay-for-delete is uncommon but worth asking for).

Practical next steps: pull your free credit reports, request debt validation from TAB, then either file disputes yourself or hire a reputable repair company that charges reasonably and shows results. For guidance on dispute rights and procedures see consumer rights under the FCRA.