Augusta Collection Agency or ACA is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
Augusta Collection Agency, Inc. (ACA) is a third-party collection agency based in Georgia. ACA has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including threatening to take actions that cannot legally be taken and attempting to collect debts not owed. If ACA has contacted you about past due financial obligations, make sure you understand your rights before taking action.
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Is Augusta Collection Agency a scam?
They’re legit. According to the Better Business Bureau (BBB), Augusta Collection Agency, Inc. is a legitimate collection agency, founded and incorporated in 1969. The BBB established a profile page for ACA in 2004. ACA is listed as a collection agency. Buzzfile estimates ACA’s annual revenue at $780,000 and the size of its headquarters staff at 7 employees.
According to its website, ACA “started out as a small business” and “has been collecting debt for nearly 50 years.” ACA “now services thousands of accounts” of all sizes and amounts, from “$100 debts…to… $100,000 debts.” ACA states that they will “work hard… to make sure clients receive payment for the debt owed.”
Who does Augusta Collection Agency collect for?
The Augusta Collection Agency website does not provide any detailed information about the types of industries or businesses for whom they collect debts. Their collection services feature contingency rates with no fees unless they collect; an experienced collection team; professional skip-tracing; an online payment portal; attorney forwarding; and multiple payment options, including payments by credit card.
The ACA website does not provide any information about its regulatory compliance policies. There is no indication of whether ACA belongs to any professional associations. The ACA website does not include a consumer resources page, nor are there any links or references to consumer protection laws or enforcement agencies. In addition, their website does not include a “mini-Miranda” officially identifying them as a bill collector.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Augusta Collection Agency?
As of February 2019, the BBB has closed 5 complaints against Augusta Collection Agency, Inc in the preceding three years, none of them in the previous 12 months. Most of those complaints cited problems with billing and collections; two complaints also cited problems with customer service. Since March 2015, the Consumer Financial Protection Bureau (CFPB)has closed 12 complaints about ACA. Justia lists at least 1 case of civil litigation involving ACA.
Can Augusta Collection Agency Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely ACA would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Complaints against Augusta Collection Agency cite problems resulting from disputes about the validity of debts and the accuracy of information reported to the credit reporting agencies. In November 2016, a complainant stated that he had been “told by the collection agency that they would not process the debt from his car accident but it went on his credit anyway…He received a statement from the collection agency…for the ambulance bill due to his wreck…He called the agency… and…explained… that he was involved in a car accident that wasn’t his fault and was in the process of waiting on everything to go through with the car insurance company so he could then pay them in full for the service.” The ACA representative allegedly told him“at that time that they just received it and that it wouldn’t go on his credit that soon anyway…but due to his situation they wouldn’t report it…and would wait to hear from the car insurance settlement first.”Subsequently, he “came to an agreement with the insurance company,” but the following month he checked his credit “and was surprised to see it on” his report. The complainant called ACA to ask why the item had been reported. The representative he had spoken with was not in the office, so he explained his previous conversation. The representative told him “she would let her supervisor know to see if it was something they could handle, but if not then the representative had had spoken with earlier would be back in the office to call him in a week.” After two weeks, he hadn’t heard anything, so he contacted them again and was told that the representative he had originally spoken with was still out on medical leave. The new representative asked him to recite all his personal information, and the complainant had to explain his situation a third time. This ACA representative said “she could clear it from his credit showing it is paid but it can’t be taken off as if it was never there.” The complainant again said that when he had spoken to the initial representative, he was told the debt would not be reported. The ACA representative asked whom he had spoken with. When the complainant told her the representative’s name, she stated that that representative had been working at ACA “for 22 years, so she did not tell you this would not go to your credit.” The complainant “repeated again what he had been told.” He stated that he “briefly heard the representative reading over the notes from his previous calls, then…said,‘I can tell you are getting frustrated and at this point this can be sent as a lawsuit.’” The complainant stated that he tried to respond, but the ACA representative allegedly “hung up the phone.”
The complainant concluded by stating that he had“never heard back from the collection agency after being hung up on.” He said he had “made it very clear that he would pay but didn’t expect this much trouble…and now his credit is affected.” He stated that he was “the only one to reach out, had been awaiting a response, and… was treated very rudely and unprofessionally.” ACA did not provide a response to this complaint.
Augusta Collection Agency Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue ACA for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
“With your help the nagging collection calls have finally ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”
“When I first emailed the office, I was not exactly sure what they could do for me. I had an idea, but they responded back with everything I could expect to take place. I never believed I would be receiving a check, it was definitely a silver lining. I highly recommend them to anyone seeking customer legal services.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.