If Lanier Collection Agency is showing up on your credit report, it likely means you have a medical bill that has gone unpaid and been sent to collections. These types of accounts can seriously damage your credit score, so it’s important to address them quickly.
Who Is Lanier Collection Agency?
Lanier Collection Agency & Services, Inc. (often called LCA) is a legitimate debt collection agency based in Savannah, Georgia. They work on behalf of healthcare providers to collect unpaid medical bills. If they’re listed on your credit report, it means they’re trying to collect money you allegedly owe.
Who Does Lanier Collection Agency Collect For?
Lanier Collection Agency primarily works with medical providers like hospitals, doctor’s offices, and healthcare networks. Their job is to track down and recover unpaid medical debts from patients.
Is Lanier Collection Agency a Scam?
No, Lanier Collection Agency is not a scam. They are a real, legally recognized debt collection company. However, just because they’re legitimate doesn’t mean the debt they’re trying to collect is always accurate. Always verify any debt before agreeing to pay.
How to Remove Lanier Collection Agency From Your Credit Report
Collections can hurt your credit score for up to seven years, even if you pay them. But you have options to get them removed:
- Dispute errors: If there’s incorrect information tied to the account, file a dispute with the credit bureaus.
- Request debt validation: You have the right to ask Lanier Collection Agency to prove the debt is yours and that the amount is correct.
- Negotiate a pay-for-delete: In some cases, you can offer payment in exchange for having the collection account removed from your credit report.
- Hire a credit repair service: Credit repair companies help challenge collections and errors on your behalf.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Pay Lanier Collection Agency?
Before you pay, confirm that the debt is legitimate and accurately reported. Keep in mind:
- Paying a collection account may reset the statute of limitations in some states.
- A paid collection account still stays on your credit report for up to seven years unless you negotiate a pay-for-delete.
- Talking to debt collectors can sometimes lead to additional collection efforts if you’re unprepared.
That’s why many people choose to work with a credit repair professional to help remove collections the right way.
Can Lanier Collection Agency Sue You or Garnish Your Wages?
Yes, Lanier Collection Agency has the legal right to sue for unpaid debts. If they win a lawsuit, they could potentially:
- Garnish your wages
- Place a lien on your property
- Levy your bank account
Laws vary by state, and these steps usually happen only after other collection efforts fail.
Lanier Collection Agency Complaints
Like many debt collectors, Lanier Collection Agency has complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Incorrect reporting to the credit bureaus
- Harassing phone calls
- Failure to provide proper debt verification
If you experience harassment or inaccurate reporting, file a complaint with the CFPB or your state’s attorney general.
Your Rights When Dealing With Lanier Collection Agency
You are protected under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws prevent abusive collection practices and ensure your rights, including:
- The right to dispute inaccurate information
- The right to request written proof of the debt
- Protection from harassment, threats, or abusive language
- Prohibition of false statements or misleading tactics
- Protection from being publicly shamed over unpaid debts
Remove Lanier Collection Agency From Your Credit Report Today
If you feel overwhelmed dealing with Lanier Collection Agency on your own, professional help is available. Credit Saint has over 15 years of experience assisting consumers with removing negative items like collections from their credit reports. They even offer a 90-day money-back guarantee for peace of mind.
Visit their website or call (855) 281-1510 to learn more.
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.
