Trinity Hope Associates LLC or THA is a third-party collection agency based in North Carolina. THA has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including attempting to collect debts not owed and threatening to take actions that cannot legally be taken.If you have been contacted by this debt collector, make sure you understand your rights before responding.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), Trinity Hope Associates, LLC was founded and incorporated in February 2006. The BBB established a profile page for THA in September 2006. THA is listed as a collection agency. Buzzfile estimates THA’s annual revenue at $355,000 and the size of its headquarters staff at 5 employees.
According to its website, THA “represents the best of what a receivable management company has to offer.” THA advertises itself as a faith-based collection agency and “a strong and reliable partner for your organization’s customer contact needs” with a mission of “maximizing recovery while maintaining client and consumer satisfaction.”
THA focuses on healthcare-related accounts receivable and tailors their “account recovery process to each healthcare organization and its patients, allowing for a successful and compassionate account resolution.” Collection services include a first-party early-out program to “manage accounts that are outstanding from 0 to 90 days.” THA’s denial management program is designed to address the “complexity involved with coding, billing, and medical documentation.” Finally, their receivables management division manages all third-party collection services, including skip tracing; billing and coding; balance control and management; and call center services.
The Compliance page states that THA “complies with all governing federal, state, and local regulations,” including the FDCPA, the FCRA, HIPAA, the TCPA, the Health Information Technology for Economic and Clinical Health Act (HITECH), and the Payment Card Industry Data Security Standard (PCI DSS). THA cites membership in the Medical Group Management Association (MGMA) and the International Association of Credit and Collection Professionals (ACA International). However, their Consumer Website page is not currently operating, and there is no easily accessible page with links and references to consumer protection resources, laws, and enforcement agencies.
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 21 complaints against Trinity Hope Associates in the preceding 3 years, with 3 complaints closed in the past 12 months. Most Of Those complaints alleged problems with billing and collections. Since May 2015, the Consumer Financial Protection Bureau (CFPB) has closed 13 complaints against THA. Justia lists at least 6 cases of civil litigation involving THA.
Trinity Hope Associates, LLC
P.O. Box 607
Hudson, NC 28638
Telephone: (828) 394-4142
Website: http://tha.care/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely THA 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!
Get Free BBB A+ Attorney. Call 475-277-1600 NOW
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. Here are some Sample Cases Filed in Federal Court
In July 2017, in United States District Court for the Western District of North Carolina, Statesville Division, a judge issued an Order in a case alleging Trinity Hope Associates had violated the FDCPA. In this case, the plaintiff alleged that THA called her home “and spoke with her mother but failed to identify themselves.” Subsequently, the plaintiff, “using the number appearing on the caller ID, returned the call to THA that same day.” The THA representative she spoke with indicated the name of the person they were trying to reach. The plaintiff confirmed that she was the individual they were looking for, but allegedly THA “refused to provide any information to her, instead insisting that she provide them with her date of birth and Social Security number, so they could be sure that they were ‘speaking with the right person.’” The plaintiff allegedly restated that she was the person they were looking for, “but THA still refused to disclose any information to her, including the name of their company or why they wanted to reach her.” The plaintiff eventually “relented and provided THA with her birth date and the last four digits of her Social Security number,” but THA, “having become irritated and snappish, terminated the call without disclosing any information.” During the initial call with THA, the plaintiff alleged that she was “never advised by THE of their company name, that they were debt collectors, or that they were calling her in an effort to collect a debt.” THA subsequently called the plaintiff several months later and left a voicemail message stating, “This message is for the plaintiff. Please call THA at (phone number redacted by Court) …It is very important my call is returned. I must hear back from you today. If I do not hear back from you, I will possibly try to reach you at work Monday. I will be available until 9:00 pm Eastern Standard Time. It is important that my call is returned at telephone number redacted by Court. Thank you.”
Section 1692d(6) of the FDCPA requires debt collectors to “disclose that they are debt collectors; … that their communication…is being made in an attempt to collect a debt”; and that “‘the placement of telephone calls without meaningful disclosure of the caller’s identity’ is conduct in violation of the prohibition against harassment or abuse by a debt collector.” The plaintiff filed her complaint and served the THA representatives as the law requires, but THA did not file an Answer or otherwise respond. The plaintiff filed a motion for default judgement, and Trinity Hope Associates again failed to respond. As a result, the court granted the plaintiff’s request for default judgement and awarded her $1,000.00 in statutory damages and $3,787.50 in attorney’s costs and court fees.
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.
You may have a case, if…
“After a few months of frustration with a debt collector, I eventually called Lemberg Law. It was among the best financial decisions I have ever made. Jody and her staff were comprehensive, useful, and above all else powerful. I highly recommend their services and thank them for their continual efforts.”
“When my husband got sick and lost his job, I understood that paying all of the medical bills was going to be an issue. What I didn’t understand was that we’d be bombed with telephone calls day and night. I found your site and was contacted the same day that I submitted my advice. You did not charge me, you got cash from the collector, and we finally have silent phones. Thank you for what you did for us!”
“We were so impressed with how the attorney listened to us and understood the position we were in. Thank you for stopping the calls. The check was a nice bonus, but mostly we’re glad we’re not being hounded anymore.”
“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”
We can absolutely help. Call us today.
Share your story
Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.
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."
See more posts from Sergei Lemberg