Thomas George Associates Ltd or TGA is a third-party collection agency that specializes in collecting debts for insurance companies. TGA has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including attempting to collect debts not owed. If you have been contacted by TGA, make sure you understand your rights before taking action.
The harassing company pays our fees.
They’re legit. According to the BBB, Thomas George Associates, Ltd. is a legitimate collection agency founded in 1970 and incorporated in 1980. Buzzfile estimates TGA’s annual revenue at $5.7 million and the size of its headquarters staff at 50 employees, with an estimated total of 57 employees at all locations.
According to its website, Thomas George Associates is “the first choice of insurance carriers across the nation, to help increase cash flow position, streamline billing issues, and maximize insurance recoveries.” TGA’s “experienced team members are trained to understand that the art of collection is not an exact science, requiring the practice of general common sense, lateral thinking, and exceptional negotiation skills.”
Aside from this general philosophy, TGA’s website does not provide a lot of information about its business practices, its clients, or the industries it serves. However, they have linked an online brochure to their home page. Their website also includes a web-based contact form, and links to an account placement portal and a payment portal.
Thomas George Associates online brochure indicates a specialization in insurance subrogation, overpayments, policy premiums, and disability claims. In addition, TGA appears to have three distinct divisions—commercial lines property and casualty; personal lines property and casualty; and life and health. As for compliance, TGA holds state-specific certifications and claims membership in the National Association of Subrogation Professionals (NASP) and the American Collectors Association (ACA).
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.
The BBB has closed 9 complaints against Thomas George Associates in the past three years, none of them in the past 12 months. Almost all of those complaints alleged problems with billing and collections. The Consumer Financial Protection Bureau (CFPB) has not reported any complaints against Thomas George Associates Ltd or TGA. Justia lists at least 4 cases of civil litigation involving Thomas George Associates.
Thomas George Associates, Ltd.
P.O. Box 30
East Northport, NY 11731
Telephone: (800) 443-8338
Website: http://www.tgaltd.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely TGA 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!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. Here are some Sample Cases
Complaints against Trojan Professional Services commonly cite problems resulting from attempts to collect disputed debts. In December 2015, a complainant indicated that a delinquency on her credit report resulted from dental services that were covered by dental insurance. According to the complainant, the dental services in question were provided to the complainant’s adult daughter in 2013. When the complainant contacted the dental provider to find out why they had sent the bill for the dental services to collections, they told her that “they had attempted several times to submit a claim for payment… but were unable because the insurance denied the claim.” Allegedly, the complainant’s dental insurance provider “had mistakenly removed her daughter as an individual covered… under her family’s plan when she was transferred from an active employee to a retiree,” and her daughter “was therefore not insured at the time she received service.” The complainant contacted her insurance company and “had this insurance issue corrected by contacting her Plan Administrator.” Allegedly, the insurance company had not been “aware of her lack of medical and dental coverage, so they immediately adjusted their oversight, and coverage for her daughter was reinstated.” Subsequently, “once the dental insurance… was reinstated, they were able to successfully resubmit claims for services provided…and disbursed funds for services rendered.” As a result, the complainant confirmed that the overdue balance had been paid, and that TPS’s collection efforts were no longer necessary. The complainant requested that TPS remove the negative information from her credit report.
In its response, Trojan Professional Services indicated that they did “not concur with the recitation of the events concerning this account. Nevertheless, they sent instructions to Experian, Equifax, and Transunion requesting that they each delete the subject account.”
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.
Your debt harassment checklist:
“As we discussed on the phone earlier today, this settlement is perfectly okay to me. I need to thank you and all of your cohorts at Lemberg Law to get a project handled so professionally. Please allow Amy, the first person who contacted me from Lemberg, know how much I appreciate her efforts, kindness, and professionalism.”
“I won’t be afraid to contact you or recommend your services to others for applicable legal issues. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. I’m most grateful. I can not say thank you enough!”
“I received outstanding professionalism from the own staff. I had a horrible experience when trying to solve a debt. 1 debt collector associate said she would speak to the prosecutor’s office and another representative told me that when I called the office back he would call the police and have me arrested. I had been insulted, mocked, and threatened, and feared that the police would appear at my door any given moment.”
“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.”
We can absolutely help. Call us today.
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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Receiving intimidation tactical messages from Thomas George & Associates about a bill that they actually owe to the business I represent. Please let me know if you can helps
Thanks
Chris
I just received a letter from TGA from a subrogation from SAFECO. I was a victim of a red light runner on 07/29/2018 and I had to go to court to get a judgement since SAFECO wouldn’t waive the deductible and the other party insurance denied the claim. The court issued $ 2,278.52 in property damages and I didn’t claim rental of $ 339.66 which was then paid by GEICO to SAFECO. I received a check from SAFECO in the amount of $ 1,778.52 and I returned to them waiting the judgement. The award from the Judgement was less than the property damage total on the vehicle and I called the adjuster Austin Cripps (SAFECO) and he said that he would take care of everything – pay directly to fix the vehicle. This offer was after he knew I received part of the property in the judgement (not sufficient to fix the vehicle) Now they are charging me $ 2,520.82 and I had sent a letter to the adjuster explaining all this.
This company first came after me for about 5,000, stating I owed it to Liberty Mutual due to an accident I was in during summer of 2018. I thought nothing of it and figured it was legit, so I payed the full payment of 2800 (marked down if was a full payment), and thought nothing of it afterwards. However, just recently they sent me another letter saying they were now asking for 100k for personal injuries , a full 7 months after the accident (note that the other person was walking perfectly fine after the accident). I sent them a letter asking for proof of the claim and thankfully haven’t heard anything since.
The company of Thomas George Associates, LTD sent me a letter stating that i owed a insurance company 5,000 but am being sued by the same party that filed the case or presumably filed the case.
This law firm is contacting me saying I owe Liberty Mutual over $3,800.00 for an accident I was not involved in, on a car that I sold several months prior to this accident. I have told them this and they keep pursuing me. I have my copy of the release of liability the buyer filled out.