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?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Lanier Collection Agency & Services, Inc. (LCA) Contact Information
Address:
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?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
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
Many collection agencies have numerous complaints filed 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Lanier Collection Agency
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Lanier Collection Agency cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Lanier Collection Agency must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Lanier Collection Agency cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Lanier Collection Agency From Your Credit Report Today!
Credit Saint offers assistance with disputing Lanier Collection Agency collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
