How to Remove LCA Collections From Your Credit Report

If LCA Collections has shown up on your credit report, you’re likely dealing with an unpaid medical bill or other debt that was sent to collections. These accounts can damage your credit score, so it’s important to understand how to handle them.

Who Is LCA Collections?

LCA Collections, short for Lanier Collection Agency & Services, is a third-party debt collector based in Savannah, Georgia. If they’re listed on your credit report, it means they’re trying to collect a debt you allegedly owe.

Who Does LCA Collections Collect For?

LCA Collections mainly focuses on medical debt. They work with hospitals, doctor’s offices, and healthcare providers to recover unpaid medical bills from patients. They may also collect other types of debts for businesses that use their recovery services.

Is LCA Collections a Scam?

No, LCA Collections is a legitimate debt collection agency. But that doesn’t mean the debt they’re collecting is always accurate. Always request written proof of the debt before agreeing to pay.

How to Remove LCA Collections From Your Credit Report

A collection account can stay on your credit report for up to seven years, but there are ways to try to get it removed sooner:

• Dispute inaccuracies: If there are errors with the account, dispute them with the credit bureaus.
• Request debt validation: You can ask LCA Collections to provide proof that the debt is yours and that the amount is correct.
• Negotiate a pay-for-delete: Sometimes, you can offer payment in exchange for having the account removed from your report.
• Hire a credit repair company: Professionals can help dispute and remove collections from your credit report.

Should You Pay LCA Collections?

Before paying anything, verify the debt is valid and reported correctly. Keep these things in mind:

• Making a payment can reset the statute of limitations in some states.
• A paid collection can still hurt your credit unless you negotiate a pay-for-delete.
• Speaking with debt collectors unprepared can sometimes make the situation worse.

Many people work with a credit repair service to handle collections and protect their credit.

Can LCA Collections Sue You or Garnish Your Wages?

Yes, LCA Collections has the legal right to sue for unpaid debts. If they win a lawsuit, they could:

• Garnish your wages
• Levy your bank account
• Place a lien on your property

These actions depend on your state’s laws and typically happen only after other collection attempts fail.

LCA Collections Contact Information

Address:
Lanier Collection Agency (LCA Collections)
18 Park of Commerce Blvd
Savannah, GA 31405

Phone:
(912) 238-5252
(800) 595-0279

LCA Collections Complaints

Like many collection agencies, LCA Collections has complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:

• Incorrect reporting to the credit bureaus
• Harassment by phone
• Failure to provide debt verification

If you experience harassment or incorrect reporting, file a complaint with the CFPB or your state attorney general.

Your Rights When Dealing With LCA Collections

The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect you from abusive collection practices. Your rights include:

• The right to dispute incorrect information
• The right to request written proof of the debt
• Protection from threats, harassment, or abusive language
• Prohibition of false or misleading statements
• Protection from being publicly shamed for unpaid debts

Remove LCA Collections From Your Credit Report Today

If handling collections feels overwhelming, help is available. Credit Saint has over 15 years of experience assisting people with removing negative items like collections from their credit reports. They even offer a 90-day money-back guarantee for extra peace of mind.

Visit their website or call (855) 281-1510 to learn more.