Who Called From 402-397-8855?
Short answer: 402-397-8855 is a number used by Merchants Credit Adjusters (Merchants Credit Adjusters), a medical debt collector based in Mobile, AL — mobile, al headquarters / main line. They are almost certainly trying to collect a debt, most often medical debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 402-397-8855?
The number 402-397-8855 is used by Merchants Credit Adjusters (mobile, al headquarters / main line), a medical debt collector in Mobile, AL. For the full company profile — ownership, history, and known aliases — see our complete Merchants Credit Adjusters guide. This page focuses on the calls coming from 402-397-8855 specifically.
About this specific number
- 📞 Number: 402-397-8855 (area code 402, ending in 8855)
- 📍 Line type: Direct-dial — resolves to the 402 area code.
- 🏢 Operator: Merchants Credit Adjusters, a medical debt collector in Mobile, AL.
- 🔢 Related lines: Merchants Credit Adjusters is documented using 1 number in our directory, so calls may also come from other digits.
402-397-8855 is a direct-dial number tied to the 402 area code, which is why the call may have appeared "local" on your caller ID even though Merchants Credit Adjusters operates out of Mobile, AL.
Some carriers display 402-397-8855 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from Merchants Credit Adjusters.
On your caller ID, in voicemails, or in letters, this company can also appear as: Merchants Credit Adjusters.
Why Is Merchants Credit Adjusters Calling Me From 402-397-8855?
In our directory, 402-397-8855 is tracked as a mobile, al headquarters / main line for Merchants Credit Adjusters, which typically collects medical debt, commercial debt, consumer accounts. A call from 402-397-8855 usually happens because:
- ✅ An original account (a medical debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with Merchants Credit Adjusters to collect on behalf of the original creditor.
- ✅ Merchants Credit Adjusters is now dialing you from 402-397-8855 and possibly other lines to reach a resolution.
Calls from 402-397-8855 often come right after a billing cycle closes. Some people report that 402-397-8855 calls once and hangs up, then tries again from a different Merchants Credit Adjusters line hours later. A single missed call is not proof of a valid debt. When 402-397-8855 shows up on your caller ID, it is worth checking whether the Merchants Credit Adjusters account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make Merchants Credit Adjusters prove the medical debt in writing first.
Important: a phone call — even from a real number like 402-397-8855 — does not prove you owe the debt, that the amount is correct, or that Merchants Credit Adjusters can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 402-397-8855
Anything you say to Merchants Credit Adjusters can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 402-397-8855 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from Merchants Credit Adjusters.
Don't agree to a payment on the spot
A single payment to Merchants Credit Adjusters — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 402-397-8855.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 402-397-8855. Any legitimate Merchants Credit Adjusters resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 402-397-8855 caller. If it truly is your Merchants Credit Adjusters account, they should already have what they need and must prove it.
What To Do If 402-397-8855 Keeps Calling
Here are concrete next steps for this specific Merchants Credit Adjusters line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 402-397-8855 as a contact labeled "Merchants Credit Adjusters — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 402-397-8855 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Merchants Credit Adjusters identify the original creditor behind the 402-397-8855 calls and the date the debt was opened.
Your Rights When Merchants Credit Adjusters Calls From 402-397-8855
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send Merchants Credit Adjusters a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If Merchants Credit Adjusters reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 402-397-8855: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that Merchants Credit Adjusters stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, Merchants Credit Adjusters generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Merchants Credit Adjusters from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 402-397-8855
We investigate the specific Merchants Credit Adjusters account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the Merchants Credit Adjusters account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Merchants Credit Adjusters. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
402-397-8855 — Frequently Asked Questions
Who is calling me from 402-397-8855?
402-397-8855 is a direct-dial line associated with Merchants Credit Adjusters (also seen as Merchants Credit Adjusters), a medical debt collector headquartered in Mobile, AL. The number resolves to the 402 area code. If you received a call from 402-397-8855 — often showing the last four digits 8855 on your screen — it is very likely Merchants Credit Adjusters attempting to reach you about a debt they say you owe, most often medical debt, commercial debt, consumer accounts.
Is 402-397-8855 a scam number?
Merchants Credit Adjusters is a real, registered company, and 402-397-8855 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Merchants Credit Adjusters, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 402-397-8855?
You are not legally required to answer 402-397-8855 or call Merchants Credit Adjusters back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, Merchants Credit Adjusters must pause collection until it mails you proof of the debt.
Why is Merchants Credit Adjusters calling me about medical debt?
A call from 402-397-8855 usually means an original medical debt went unpaid and was placed with Merchants Credit Adjusters, which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop Merchants Credit Adjusters from calling 402-397-8855?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Merchants Credit Adjusters to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 402-397-8855 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Merchants Credit Adjusters is calling about?
Do not pay anything based on a call from 402-397-8855 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
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