Who is Lanier Collection Agency?
Lanier Collection Agency & Services, Inc. (LCA) is a debt collection agency based in Savannah, Georgia. Their primary role involves acting on behalf of businesses to recover unpaid debts.
If Lanier Collection Agency appears on your credit report, it means they are attempting to recover a debt that you have allegedly not paid.
Who does Lanier Collection Agency collect for?
Lanier Collection Agency specializes in collecting debts for the healthcare sector. Their clientele consists of various healthcare facilities, such as private practices, group practices, and regional medical centers.
Is Lanier Collection Agency legit or a scam?
Lanier Collection Agency is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Lanier Collection Agency from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
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Lanier Collection Agency & Services, Inc. (LCA) Contact Information
Lanier Collection Agency
18 Park of Commerce Blvd
Savannah, GA 31405
Phone number: (912) 238-5252 or (800) 595-0279
Should I contact or pay Lanier Collection Agency?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Lanier Collection Agency is to work with a credit repair professional. They help remove millions of negative items every year from companies like Lanier Collection Agency on behalf of their clients.
Will Lanier Collection Agency sue me or garnish my wages?
Lanier Collection Agency can take legal action to collect outstanding debts. This could potentially include filing a lawsuit against you. If a court judgment is obtained against you, they may have the right to garnish your wages, levy your bank accounts, or place a lien on your property, depending on the laws in your specific jurisdiction.
However, it’s important to note that suing a debtor is often a last resort for most collection agencies. The process of filing a lawsuit, obtaining a judgment, and executing it can be costly and time-consuming.
Lanier Collection Agency & Services, Inc. Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with Lanier Collection Agency, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Lanier Collection Agency
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Lanier Collection Agency to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Lanier Collection Agency may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Lanier Collection Agency must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Lanier Collection Agency cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Lanier Collection Agency From Your Credit Report Today!
Credit Saint can assist you in disputing Lanier Collection Agency collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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