LCA Collections


Is LCA Collections hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is LCA Collections?

LCA Collections, also known as Lanier Collection Agency & Services (LCA), is a third-party debt collection agency based in Savannah, Georgia, United States. They operate with a mission to assist businesses in recovering money owed to them, typically when the original creditor is unable to collect the debt.

LCA Collections could show up on your credit report as a collections account if you have a debt that has been transferred or sold to them due to non-payment.

Who does LCA Collections collect for?

While LCA Collections has the capacity to collect a wide variety of debts, they are particularly known for specializing in medical debt collection. This means that they work with healthcare providers, including hospitals, clinics, and private practices, to collect unpaid medical bills from patients. They may also work with other businesses or organizations in need of debt recovery services.

Is LCA Collections legit or a scam?

LCA Collections is a legitimate company. However, just like with any debt collection agency, it’s essential to ensure that the debt they claim you owe is valid and accurate. If you are contacted by them, be sure to request all the necessary documentation and verification of the debt.

How can I remove LCA Collections from my credit report?

LCA 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.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Lanier Collection Agency / LCA Collections 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 LCA Collections?

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 this is to work with a credit repair professional. They help remove millions of negative items every year from companies like LCA Collections on behalf of their clients.

Will LCA Collections sue me or garnish my wages?

LCA Collections is entitled to sue you for an unpaid debt. If they win the lawsuit, the court may grant them a judgment that allows them to garnish your wages or take other actions to collect the debt, depending on your state’s laws. However, wage garnishment is usually a last resort for debt collectors and is not used in every case.

Before it comes to this point, you’ll likely receive numerous communications from LCA Collections attempting to collect the debt. If you do receive a notice of a lawsuit, it’s important to respond by the given deadline to protect your rights.

LCA Collections 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 LCA Collections, 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 LCA Collections

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 LCA Collections 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.
  • LCA Collections cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • LCA Collections 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.
  • LCA Collections cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove LCA Collections From Your Credit Report Today!

Credit Saint can help you dispute LCA collections. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

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