Thomas George Associates Ltd or TGA 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 Thomas George Associates – TGA?
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.
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Is Thomas George Associates a scam?
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.
How many complaints are there against Thomas George Associates – TGA?
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/
Can Thomas George Associates 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 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!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against Thomas George Associates?
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.”
Thomas George Associates TGA 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.
Want to Stop Thomas George Associates TGA Debt Collection Harassment Now?
Your debt harassment checklist:
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
“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.”
Can You Help Me Delete Thomas George Associates TGA 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.