Verification & Support

Verify a Debt

If you've received communication from Midwest Service Bureau (MSB) and want to verify the debt, you have the right to request written verification. Under the Fair Debt Collection Practices Act (FDCPA), you may dispute a debt within 30 days of receiving the initial notice.

How to Request Verification

• By Phone: Call us at (800) 362-0272 during business hours (Mon–Sat, 8:00 AM – 5:00 PM CST)
• By Mail: Send your written dispute to: Midwest Service Bureau, LLC, 625 W Maple St, Wichita, KS 67213
• By Email: Contact us at hello@msbureau.com

Please include your name, account reference number (if available), and a brief description of your dispute. We will respond with written verification of the debt, including the original creditor's name and the amount owed.

Your Rights Under the FDCPA

As a consumer, you are protected by the Fair Debt Collection Practices Act. Key rights include:

• Right to Verification: You may request written proof of any debt within 30 days of first contact
• Right to Dispute: You can dispute all or part of a debt in writing
• Right to Cease Communication: You can request that we stop contacting you (though the debt remains valid)
• Right to Privacy: We cannot discuss your debt with unauthorized third parties
• Protection from Harassment: Collectors cannot use threats, obscene language, or call at unreasonable hours

For more information about your rights, visit the FTC's FDCPA page or the CFPB's debt collection resources.

How the Verification Process Works

When you submit a verification request, MSB is required by law to cease collection activity on the disputed amount until we provide written verification. Here is what to expect:

1. We receive your request — whether by phone, mail, or email. We log the dispute and place a hold on the account.
2. We contact the original creditor — to obtain documentation supporting the debt, including the original account agreement, itemized charges, and payment history.
3. We send you written verification — typically within 15-30 days, including the creditor's name, the amount owed, and supporting documentation.
4. You review and respond — if the verification resolves your dispute, we can discuss payment options. If you still disagree, you have the right to continue disputing in writing or consult with an attorney.

Throughout this process, you will not receive collection calls on the disputed amount. Your rights are fully protected, and our team is available to answer questions at any point. We take verification seriously — it protects both consumers and creditors by ensuring that every account we collect on is accurate and documented.

Additional Consumer Protections

Beyond the FDCPA, you may have additional protections depending on your state of residence and the type of debt involved. Many states have their own debt collection laws that provide rights beyond the federal requirements. For example, some states require collection agencies to be licensed, limit the interest that can be charged on a debt, or set shorter time limits for when a collector can contact you.

If your debt is medical-related, there are additional protections you should know about. The No Surprises Act limits what providers can bill for out-of-network emergency services, and IRS Section 501(r) requires nonprofit hospitals to offer financial assistance programs before pursuing collections. If you believe you may qualify for financial assistance, let us know — we can help connect you with the right resources or refer you back to the original provider's financial assistance program.

If you believe a debt collector — MSB or any other agency — has violated your rights, you can file a complaint with the Consumer Financial Protection Bureau (CFPB), your state Attorney General's office, or the Federal Trade Commission (FTC). You also have the right to consult with an attorney if you believe your rights have been violated.

Payment Options

If you'd like to resolve your account, we offer multiple convenient payment methods. We understand that everyone's financial situation is different, so we work with you to find an approach that makes sense. Our goal is to resolve the account, not to create additional hardship.

• Pay by Phone: Call (800) 362-0272 to make a payment over the phone with a representative. We accept Visa, MasterCard, and ACH bank transfers.
• Pay by Mail: Send a check or money order to: Midwest Service Bureau, LLC, 625 W Maple St, Wichita, KS 67213. Please include your account reference number on the check.
• Payment Plans: We offer flexible payment arrangements based on your financial situation. Monthly payment plans are available with no additional interest or fees. Call us to discuss what works for your budget — our representatives are trained to help, not pressure.

Once your account is resolved, we will update our records and notify the original creditor. If the account has been reported to credit bureaus, we will submit an update to reflect the resolved status. Keep your payment confirmation for your records.

Frequently Asked Questions

Why did I receive a letter from MSB?

You received a letter because a creditor — such as a hospital, medical provider, utility company, or business — has placed your account with us for collection. Our role is to help resolve the balance on behalf of the original creditor.

Is MSB a legitimate company?

Yes. Midwest Service Bureau, LLC has been in business since 1970. We are licensed in all states where required, BBB-accredited, a member of ACA International, and fully HIPAA-compliant for medical debt collection.

Can I set up a payment plan?

Absolutely. We work with consumers to find realistic payment arrangements. Call us at (800) 362-0272 to discuss options.

Will this affect my credit score?

Depending on the type of debt and reporting policies, collection accounts may appear on your credit report. Resolving the account can help improve your credit standing. Contact us to learn more about your specific situation.

How do I know this isn't a scam?

You can verify our identity by:

• Checking our BBB listing
• Verifying our physical address: 625 W Maple St, Wichita, KS 67213
• Calling our main number directly: (316) 263-1051
• Requesting written verification of the debt (your legal right)

Contact Our Support Team