The Thomas Agency Inc or TTA 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.
The Thomas Agency Inc or TTA is a third-party collection agency based in Maine. TTA 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 you have been contacted by The Thomas Agency , make sure you understand your rights before taking action.
- Who is The Thomas Agency?
- Is The Thomas Agency a Scam?
- The Thomas Agency Complaints?
- Can The Thomas Agency Sue Me or Garnish My Wages?
- The Thomas Agency Lawsuits
- The Thomas Agency Calling?
- How Do I Stop The Thomas Agency Debt Collection Harassment?
- How Can I Delete The Thomas Agency from My Credit Report?
Have questions? Call us now at 844-685-9200 for a Free Case Evaluation.
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The harassing company pays our fees.
According to the Better Business Bureau (BBB), The Thomas Agency , Inc. was founded in 1927 and incorporated in 1951. The BBB established a profile page for TTA in 1927. THA is listed as a collection agency and accounting firm. Buzzfile estimates TTA’s annual revenue at $3.3 million and the size of its headquarters staff at 24 employees.
According to its website, The Thomas Agency “is a privately owned corporation…that offers traditional third-party debt collection services, including credit reporting…and also provides accounts receivable management outsourcing solutions through its Innovative Business Technology Division (IBT).” TTA “has a long and successful history of offering comprehensive accounts receivable management services to a diversified clientele.”
The Thomas Agency offers a variety of billing and collection services, including pre-charge-off professional letter writing, IVR, and live agent calling campaigns; temporary staffing; self-pay account processing; payment plan processing; insurance claim billing and follow-up; workers compensation and personal injury claim management; and traditional third-party debt collection and credit reporting.
The Thomas Agency accepts delinquent accounts receivable management requests from “a variety of industries with a concentration in the healthcare sector.” In addition to medical and dental offices, TTA also serves retail lenders, utility companies, education lenders, municipalities, professional service firms, technology companies, financial service providers, and commercial collection accounts.
The Thomas Agency cites its affiliation with many professional associations, including the International Association of Credit and Collection Professionals (ACA International); ACA International’s HealthCare Services Program; the New England Collectors Association; the Maine Medical Association; the Maine Hospital Association; the Maine Chapter of the American Association of Healthcare Administrative Management; and the HealthCare Financial Management Association. However, the TTA website does not provide any information about its regulatory compliance policies or any links or references to consumer protection resources, laws, or enforcement agencies.
As of April 2018, the BBB has given The Thomas Agency a rating of F. The BBB has closed 12 complaints against TTA in the preceding 3 years, with 6 complaints closed in the past 12 months. Most of those complaints alleged problems with billing and collections. Since December 2017, the Consumer Financial Protection Bureau (CFPB) has closed 29 complaints against TTA. Justia lists at least 1 case of civil litigation involving The Thomas Agency.
The Thomas Agency Contact Information
The Thomas Agency Inc
PO Box 6759
Portland, ME 04103
Telephone: (800) 639-2408
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely The Thomas Agency 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!
Click 844-685-9200 ☎ NOW to call us or go ahead and fill out our Contact Form. Our services are absolutely FREE to you
Absolutely. Here are some Sample Cases against The Thomas Agency Inc
The BBB has posted the following Alert on The Thomas Agency’s profile page, warning site visitors of an emerging pattern of complaints:
“According to BBB files this business has a pattern of complaints concerning items being placed on credit reports with no notice from the agency to the consumer. Consumers state that the business does not notify them and does not work with them to correct erroneous items on the consumer’s credit report when proof of payment and even payment to The Thomas Agency has been made. Mail sent to the business as an attempt to get items updated or corrected are refused by the business. Consumers indicate that they want the business to do as requested to correct items listed for collections using the proof of payment provided as well as notification of a collection item being placed on their credit report before it is reported. On 3/25/15 BBB sent a written notice to The Thomas Agency identifying the potential pattern of complaint with a request for a business response. As of 4/16/15 the business did not respond to BBB’s request.”
In July 2016, a complainant indicated he had contacted The Thomas Agency to “resolve balances that they had reported to the credit bureaus.” He allegedly “paid $527.90 which paid in full 5 accounts” that had been assigned to them. A TTA representative assured him that if he “paid off all of these… balances…TTA would remove them from…his credit report.” The complainant was attempting to purchase a home, so he cooperated with all of TTA’s instructions, paying off not only the 5 accounts that had already been reported, but also 3 additional accounts, which TTA assured him would not be reported as long as he paid them as agreed. After making the scheduled payments, the complainant’s credit reports were unchanged, but The Thomas Agency representatives told him that they had reported the changes and that his only alternative was to contact the credit reporting agencies directly. His loan company advised him to file the complaint in an effort to have the reporting errors corrected.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).
The 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). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals 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.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt 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 receiving 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.
We can make them STOP!✋
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 NOW.
What Our Clients are Saying
“We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”
“If you are unsure about this company…DONT BE!!! They are for real when they say they are here to help you. It only takes a few short minutes of your time to talk to a rep. I was a skeptic, but you did everything you said you would! I can’t say thank you enough!”
”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.
We can absolutely help. Call us today.
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