Thomas George Associates (TGA) collects exclusively for insurance carriers, making them unlike any other agency covered here. If TGA contacts you, the debt traces to an insurance company, not a creditor you typically recognize. It may be an unpaid premium, a disability claim balance, a subrogation recovery, or an insurance overpayment.
A documented Yelp review describes TGA verbally agreeing to a $1,000 settlement then repeatedly sending letters claiming over $2,000, while refusing to put the agreed amount in writing.
This guide covers who TGA is, their documented patterns, and how to respond.
Who Is Thomas George Associates?
Thomas George Associates, Ltd. is a family-owned insurance collection agency founded in 1970 in East Northport, New York. The company employs 23 people and generates approximately $16 million in revenue.
TGA operates through three divisions: commercial lines property and casualty, personal lines property and casualty, and life and health. They have been named in 15+ federal court cases for alleged FDCPA violations.
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No Prior Notice Before Credit Report Entry
A documented 2026 BBB complaint describes a consumer who received no collection notice and no itemized list of charges until the account appeared on their credit report. The consumer’s first notification was the collection entry itself.
Under Regulation F, debt collectors must provide a validation notice before or promptly after credit bureau reporting. If ARS appeared on your credit report without any prior written contact, cite Regulation F in your CFPB complaint and credit bureau disputes.
Lease Name Errors and Dispute Validity
A documented 2026 BBB complaint describes a consumer disputing an ARS collection from Maple Tree Apartments partly on the basis that their legal name was recorded incorrectly on the original lease. The consumer’s name contains an apostrophe that was omitted or recorded incorrectly on the lease and all related documents.
ARS’s own BBB response process includes attaching the signed lease, tenant ledger, application, consumer IDs, and email communications. If your lease contains an error in your legal name, social security number, or other identifying information, that discrepancy may support your dispute at both the credit bureau level and with ARS directly.
What ARS Validates When Disputes Are Filed
ARS’s own BBB responses show they attach documentation when responding to formal complaints. This documentation includes the tenant ledger showing all charges and payments, the signed lease agreement, the rental application, identification used at the time of rental, and email communications.
This is useful context for consumers: ARS does maintain and produce these documents. When requesting validation, ask specifically for each of these items. If ARS cannot produce the signed lease or itemized tenant ledger, that gap in documentation supports your dispute.
Multiple Phone Numbers
ARS uses multiple phone numbers to contact consumers, making call blocking ineffective. Track every ARS call regardless of number for Regulation F compliance. The FDCPA limits collectors to 7 calls within 7 days on the same debt across any combination of numbers.
What ARS Cannot Do Under Federal Law
The FDCPA applies to Absolute Recovery Services. Under federal law, they cannot:
- Report to credit bureaus without prior validation notice: A documented 2026 BBB complaint.
- Fail to provide an itemized list of charges: A documented 2026 BBB complaint.
- Use illegal or harassing communication tactics: Subject of documented federal court cases.
- Call more than 7 times in 7 days across any combination of numbers: Regulation F limit.
- Threaten wage garnishment or lawsuits they do not intend to file: America’s Consumer Lawyer confirms ARS does not sue consumers.
- Call outside permitted hours: Contact is only allowed between 8 a.m. and 9 p.m. in your time zone.
File complaints at consumerfinance.gov. Tennessee residents can also file with the Tennessee Attorney General’s Consumer Affairs Division.
Verify the Move-Out Charges Before Paying
Send a written debt validation request by certified mail within 30 days of first contact. Ask for the original property management company, the property address, the signed lease agreement, the tenant ledger showing all charges and payments, the move-out inspection report, and any itemized statement of charges.
Compare every charge against your signed lease terms. Any charge not authorized by the lease requires a specific contractual basis.
How to Check Your Credit Report for ARS Errors
Pull your credit reports from all three bureaus at AnnualCreditReport.com. Is the original apartment complex identified? Is your legal name correctly reflected? Is the balance consistent with your lease and any move-out documentation?
Any inaccuracy, including a name error or reporting without prior notice, is grounds for a dispute with each credit bureau.
How Long Can ARS Legally Pursue the Debt?
Tennessee has a 6-year statute of limitations on most consumer debts. The relevant state is typically where you currently reside.
Your Options for Resolving an ARS Account
Once you have verified the charges:
- Go to the original property manager: ARS collects on behalf of apartment clients. The property manager controls the underlying account documentation.
- Request the complete validation file: ARS’s BBB responses show they maintain tenant ledgers, signed leases, and email communications. Request all of it.
- Dispute name or identifying information errors: A lease with your name recorded incorrectly may undermine the validity of the underlying contract.
- Dispute if reporting preceded notice: File a Regulation F CFPB complaint if no prior written notice was received.
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How to Contact Absolute Recovery Services
Handle all communication in writing:
- Address: Absolute Recovery Services, LLC, 1010 June Road, Suite 202, Memphis, TN 38119
- Phone: (901) 507-3444
Bottom Line
Absolute Recovery Services collects exclusively for apartment communities and does not sue consumers. Their most documented issues are reporting without prior notice and failing to provide itemized charge breakdowns.
Request the full validation file including the signed lease and tenant ledger. Dispute any account that appeared without prior written notice by filing a Regulation F CFPB complaint.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.