The Law Office of Paul Mankin

Is the debt collection agency Adams & Morse Associates, Inc. harassing you?

Adams & Morse Associates is an insurance debt collection agency founded on December 18, 1984 in New Hampshire. Adams & Morse Associates, Inc. is managed by its President, Athena Adams, its Vice President, Noel Negroni, and its Office Manager, Jessica Perry.

889 Elm St

Manchester, NH 03101-2019

(800) 328-8239 (phone)

A Better Business Bureau (BBB) file was opened for Adams & Morse Associates, Inc. on October 2, 1991, and it has two 1-star consumer reviews but no official consumer complaints. The collector is not BBB accredited but does maintain an ‘A+’ BBB rating despite its negative reviews.

Adams does not have an extensive or consequential litigation record, and no consumer complaints have been reported the CFPB. Adams & Morse Associates was sued, however, in Pennsylvania for Fair Debt Collection Practices Act violations taken in 2006, including using false, deceptive, and misleading means to collect a debt; using harassing and abusive means to collect a debt; calling a debtor at work although such calls were prohibited by the employer. 

Negative consumer reviews primarily include complaints about calls from false numbers and leaving threatening messages, as well as repeated calls from the collector even after they’ve been notified the person they are trying to reach is not reachable at that number. Adams is also reported as being rude and unhelpful.  These consumer reviews, if true, allege additional violations of the Fair Debt Collection Practices Act.

To learn more about how the federal government regulates debt collection and protects debtors and other individuals from collector harassment, see FTC Debt Collection pamphlet. More information regarding complaints regarding New Hampshire-based collectors can be found at Complaints regarding a collector in any state may be filed with the Federal Trade Commission at or (877) FTC-HELP (877-382-4357), and complaints regarding any collector or other business can be made at BBB complaints.

It is against federal debt collection regulations to engage in certain annoying and unkind acts in furtherance of pursuing repayment of a debt, including: calling before 8:00AM or after 9:00PM, calling repeatedly or even just a few times per week (no matter how many different phone numbers they use), calling your place of work if you are not permitted personal calls, calling you after you have made an unmistakable request for them to stop calling, using profanity or other threatening language, and other intimidating actions. It is also unlawful for collectors to misrepresents who they are and what the purpose of their communication is, as well as for them to attempt collection on an amount more than you owe or to collect from someone who is not legally responsible for the debt. These actions, each and all, amount to collector harassment, and you have the right to be free of this behavior.

If you believe you have a claim for collection harassment or are a victim of another violation of state or federal debtor’s rights under the Fair Debt Collection Practices Act, you should speak with a consumer rights attorney or debt collection harassment attorney immediately. Contact us today to discuss your matter and see how we can help at no cost to you.