- Who is Hollis Cobb Associates?
- Hollis Cobb Associates Complaints?
- Hollis Cobb Associates Lawsuits
- Hollis Cobb Associates Contact
- Hollis Cobb Associates Calling?
- How Do I Stop Hollis Cobb Associates Debt Collection Harassment?
- How Can I Delete Hollis Cobb Associates from My Credit Report?
- How Can I Deal with Hollis Cobb Associates?
Hollis Cobb Associates, Inc. (HCA) is a third-party collection agency based in Georgia. HCA has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as threatening to take actions that cannot legally be taken and attempting to collect debts not owed. If you have been contacted by HCA, make sure you understand your rights before taking action.
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Is Hollis Cobb Associates a scam?
According to the Better Business Bureau (BBB), Hollis Cobb Associates, Inc. was founded in March 1977 and incorporated a month later. The BBB established its profile page the same day HCA was founded. HCA is listed as a collection agency and billing service that uses the alternate business names, Patient Account Bureau, North Georgia Credit Services, Retail Account Bureau, and First South Business Administration. Buzzfile estimates HCA’s annual revenue at $11.7 million, and the size of its headquarters staff at 85 people.
According to its website, HCA in 1977 created “the first collection agency in the Greater Atlanta Region that specialized in and served only the healthcare community.” They soon developed early-out and on-site first-party collection services. HCA modernized by adding digital technology in the 1990s. In 2012, HCA acquired Bonded Collection Corporation, a “longtime and well-respected industry leader in commercial collections” based in Chicago, IL. In 2013, 2014, and 2016, HCA added three additional healthcare clients to their portfolio.
As a full-service agency, Hollis Cobb Associates offers professional solutions in four areas: front end, active accounts receivable, bad debt, and other solutions. Their front-end division offers benefits verification, customer service, pre-certification, pre-registration, pre-service collections, presumptive charity, and scheduling. HCA’s active accounts receivable division focuses on denials resolution, insurance follow-up, payment monitoring, self-pay early-out, and underpayment recoupment. HCA’s bad debt specialists handle legal, pre-legal, and primary and secondary collection accounts. Other solutions include accounts receivable work-down and clean-up projects.
HCA has offices in the Midwest, the Southeast, and a foreign office in Nicaragua. HCA’s compliance page cites adherence to the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and the Health Information Portability and Accountability Act (HIPAA). Their Consumer and State Disclosures page includes mandated legal disclosures and links to the websites of the Federal Trade Commission (FTC) and the Colorado Attorney General.
The BBB has closed 37 complaints against Hollis Cobb Associates in the past three years, with 4 closed in the past 12 months. Most of those complaints allege problems with billing and collections. Since September 2015, the Consumer Financial Protection Bureau (CFPB) has received 17 complaints about HCA. Justia lists at least 3 cases of civil litigation involving HCA.
Absolutely. Here are some Sample Cases against Hollis Cobb Associates Inc
Complaints against Hollis Cobb Associates cite a tendency toward dismissive and insensitive customer service. In September 2016, a complainant indicated problems resulting from medical care for his son. His son had been in a car accident and was hospitalized with several very serious injuries. Prior to the complaint, his son was self-employed and uninsured as a result of recent healthcare legislation, but as a result of the accident, he was disabled and unemployable.
The complainant himself was retired and disabled with a heart condition. He had made some initial payments, but bills totaling $27,000 were turned over to HCA. He had been struggling to make consistent monthly payments, but he alleged that HCA “had continued to harass him with numerous people every month calling his cell phone about this account.” Some of the calls had been outsourced to the foreign office. His complaint indicated that neither he nor his son had any more money to pay the bills, and that his son had just been released from the hospital after another surgical intervention. He requested that HCA cease contact attempts because his son was ill; he was a heart patient himself; and the continued stress was upsetting to both of them. In response, HCA indicated that the “request for cease communication had been acknowledged…that the telephone number listed in this inquiry had been added to the internal ‘Never Call List’… and that there would be no further contact from Hollis Cobb Associates regarding this matter.”
Hollis Cobb Associates, Inc.
3175 Satellite Boulevard
Building 600, Suite 400
Duluth, GA 30096
Telephone: (678) 969-7800
Understanding Your Debt Collection Rights
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are federal laws that regulate the collections industry. The FDCPA prohibits actions such as using tactics intended to harass, oppress, or annoy consumers. The FCRA regulates how collection agencies report information to credit reporting agencies. Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA). These laws are enforced by federal agencies such as the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The complaints above illustrate why it is important to understand your rights and responsibilities under these laws when you are attempting to communicate with collection agencies.
In addition, these laws provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA. Seek legal assistance if you are trying to resolve a dispute with a collection agency.
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 recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, 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
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.
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