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.
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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.
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
It is illegal for a debt collector to threaten 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!
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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.
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.
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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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