Our History

In 1963, Tulsa Adjustment Bureau (TAB Services) founder Charles P. Garrison set out with a clear vision: serve the collection needs of Oklahoma’s medical providers and create a standard of excellence recognized in the collection industry. His father and older brother were both doctors, so Charles understood the important balance between providing excellent medical care and receiving reimbursement for services. This formed the founding principle that would come to define TAB Services: believing in the dignity and importance of the individual while exercising firmness and fairness.

As Charles prepared for retirement, he found a successor in Phillip W. Smith. Phillip has been employed with TAB Services since 1987, working his way up from a collector into sales and marketing, then becoming Charles’s Senior Vice President. As Charles stepped back in 2013, Phillip stepped up, purchasing the company and becoming President. Charles trusted and empowered Phillip to be successful, and now Phillip gives those same assurances to his employees. His goal is to build on the foundation of excellence, integrity, and dignity that Charles established.

Today, TAB provides the most effective, high quality collections by serving the needs of the medical, retail, and commercial markets from their office located in Tulsa’s landmark CityPlex Towers. While keeping up with the ever-changing collections industry, TAB holds fast to the fundamentals of professionalism, results, and a people-centered perspective.

TAB Services is proud to be a member of the American Collectors Association, the Better Business Bureau of Tulsa, and the Tulsa Chamber of Commerce.


TAB Services is wholeheartedly committed to customer satisfaction. Our employees and management staff members are trained extensively in providing the highest level of customer service with an equally high level of integrity. Over the years, we have made a positive impact on the lives of our clients by serving as their advocate during a challenging situation and achieving timely results. We encourage you to discover the meaning behind TAB Services customer care by reaching out to us through our Contact page. We are here to listen to your needs and will always be ready to provide a timely response. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.



The staff at TAB Services is one of our greatest assets. We are proud of their level of expertise, helpfulness, and integrity. Our staff members receive extensive training in compliance and customer service, as well as the latest technology and legal aspects of our company—it is a level of expertise that is reflected in all of our staff and management operations. We consider it a privilege to employ individuals who share our company’s vision and continue to invest in our growth.

Our staff members understand that every action taken by TAB must reflect favorably on the client and be conducted with firmness and fairness, as reflected in the Collector’s Pledge.


I believe every person has worth as an individual.

I believe every person should be treated with dignity and respect.

I will make it my personal responsibility to help consumers find ways to pay their just debts.

I will be professional and ethical.

I commit to honoring this pledge.