LCA Collections

Is LCA Collections hurting your credit score?

Schedule a complimentary credit consultation to find out how you can 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.

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

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with 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.

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?

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 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

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 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with LCA Collections

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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • LCA Collections may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • LCA Collections 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.
  • LCA Collections cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove LCA Collections From Your Credit Report Today!

Lexington Law can assist you in disputing LCA collections. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

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 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.