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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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).
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
It is illegal for a debt collector to threaten 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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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.”
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.
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“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.”
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