Lanier Collection Agency & Services or LCA 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.
What is Lanier Collection Agency & Services – LCA?
Lanier Collection Agency and Services, Inc. (LCA) is a third-party collection agency based in Georgia that specializes in collecting delinquent debts for healthcare providers. LCA has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failure to verify debts and attempting to collect debts not owed. If LCA has contacted you about delinquent financial obligations, make sure you understand your rights before you respond.
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Is Lanier Collection Agency & Services a scam?
They’re legit. According to the Better Business Bureau (BBB), Lanier Collection Agency and Services, Inc. is a collection agency that uses the alternate business name, LCA Services.The BBB established a profile page for LCA in 1998. Buzzfile states that LCA was founded in 1955 and estimates LCA’s annual revenue at $2.8 million and the size of its headquarters staff at 39 employees.
According to its website, LCA “provides complete debt recovery and accounts receivable management services…LCA uses comprehensive resources and leading-edge technology to ensure maximum revenue returns” and employs a staff “comprised of experienced professionals dedicated to achieving the best results for every client they serve.”
LCA “serves a broad range of clients…but specializes in AR management and collection services for the medical community.” LCA’s clients include “health care facilities, including private practices, group practices, and regional medical centers.”
LCA’s collection services are comprised of Accounts Receivable Management Systems (ARMS) and Full Collections. LCA’s ARMS division provides “an effective way to resolve AR issues before they reach delinquent status.” LCA’s ARMS service acts “as an extension of the healthcare provider’s business office, with a proven track record of retrieving revenue in a cost-effective manner.”
LCA’s Full Collections division “uses the industry’s most effective skip tracing resources to locate debtors and recover money.” LCA employs a “collection staff that uses experience and expertise to resolve delinquent accounts and retrieve monies owed, while treating each consumer with courtesy and respect.” LCA also offers legal debt recovery “when accounts remain unsettled after all measures are pursued.”
LCA offers its clients customized monthly reporting and account support. However, their website does not include any information about its regulatory compliance polices, and there are no links or references to consumer protection resources, laws, or enforcement agencies.
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 Lanier Collection Agency & Services?
The BBB has closed 22 complaints against Lanier Collection Agency and Services in the preceding three years, with 7 complaints closed in the previous 12 months. Almost all of those complaints cited problems with billing and collections. Since December 2015 ,the Consumer Financial Protection Bureau (CFPB)has closed 24 complaints involving LCA. Justia lists at least 2 cases of civil litigation involving LCA.
Can Lanier Collection Agency & Services 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 LCA 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!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against Lanier Collection Agency & Services?
Absolutely. Here are some Sample Complaints
Complaints against Lanier Collection Agency and Services cite problems resulting from disputes about the validity of debts, the accuracy of information reported to the credit reporting agencies, and hostile telephone representatives. In March 2018, a complainant stated that she “had a bill go to LCA… because she simply forgot about it.” She stated that she had “thought she had set up an automatic payment when apparently, she had… not.” The complainant stated that the LCA representative “who handled her account…was by far the most rude,disrespectful, hateful, and unprofessional person she… ever talked with.” Allegedly, the LCA representative “berated her and made her feel horrible about a dropped call and accused her of hanging up.” The representative also allegedly “repeatedly contacted her at her office after the complainant told her she was not allowed to receive personal calls at work.” The complainant stated the representative “ignored that and continued to call.” The complainant “contacted the company where the debt was originally owed and paid them directly. She then contacted the immediate supervisor of the LCA representative, and she very blatantly said she doesn’t care how her employee acted, their only concern is getting money regardless of service.” The complainant stated that LCA needs to “remove their information from her credit report like she was promised and get a MAJOR attitude adjustment.”
In response, LCA stated that they were “disappointed that the consumer’s interaction with LCA was not satisfactory.” LCA stated that they “have an unpleasant job sometimes and are not always well received.” LCA said that the delinquent item was “not sent to the credit bureaus for reporting.” They also stated that they are “attempting to verify that payment was made as indicated by the consumer, and that as long as they can confirm this was paid, it will not report to the credit bureaus.” The complainant rejected the attempted resolution, stating that she “strongly encouraged LCA… to check their phone records again” and offered to “pull her work phone records if need be.” She restated her allegation that the representative “called her at work the first time and harassedher after she told her she cannot receive personal calls at work.” The complainant stated further that the representative “had a severe attitude, …was very hateful and angry and…even threw out a hateful name.” In addition, less than “two weeks after the first call she called the complainant’s cellphone,” but the complainant “could not answer due to working with a customer.” The LCA representative then “immediately called her work phone and the same situation happened,” with the representative“even raising her voice…about the complainant ‘hanging up on her’ when in reality it was a dropped call.” The complainant asked, “Who handles business that way? Surely this isn’t the business LCA brags about on their website.”The complainant also asked, “What do you mean nothing can be done to resolve the issue of your unprofessional office staff?” She said that she would “not accept it until some kind of resolution has happened.” She told LCA that they “should hold a higher standard for the people who represent” them. LCA did not offer any further response.
Lanier Collection Agency & Services 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).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These 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.
Stop Debt Collection Harassment
You may have a case, if…
You are receiving multiple calls per week from third party collection agencies
You are receiving early morning or late night calls from debt collectors
You are receiving calls at work from a debt collection agency
Debt collectors are calling your friends, neighbors, or coworkers
Collectors are threatening you with violence, a lawsuit, or arrest
A debt collector attempts to collect more than you owe
You are being threatened with negative credit reporting
A debt collector attempts to intimidate you
Criminal accusations are being made towards you
Use of obscene language during an attempt to collect
Automated robocalls are being made to your phone in an attempt to collect
“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.”
Can You Help Me Delete Lanier Collection Agency & Services from My Credit Report?
We can absolutely help. Call us today.
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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.