The Thomas Agency


Is The Thomas Agency hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is The Thomas Agency?

The Thomas Agency, Inc (TTA) is a debt collection agency with its main office located in Westbrook, Maine, and a branch office in Brewer, Maine. As part of the broader accounts receivable management industry, The Thomas Agency aids businesses in recovering outstanding debts that have not been paid.

If you find The Thomas Agency listed on your credit report as a collections account, this usually signifies an unpaid bill or debt that has been transferred to this agency for collection.

Who does The Thomas Agency collect for?

The Thomas Agency provides accounts receivable management and debt collection services primarily to healthcare providers. They work with hospitals, clinics, doctor’s offices, and other health service providers to recover unpaid medical bills.

Is The Thomas Agency legit or a scam?

The Thomas Agency is a legitimate debt collection 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 The Thomas Agency from my credit report?

The Thomas Agency 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?

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

Professional credit repair services work with people who want to get their credit back on track.

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.

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

The Thomas Agency, Inc. Contact Information


The Thomas Agency
207 Larrabee Rd #6
Westbrook, ME 04092

Mailing address:

The Thomas Agency
PO Box 6759
Portland, ME 04103

Phone number: (800) 639-2408 or (207) 772-4659

Should I contact or pay Thomas Agency?

It’s best to avoid speaking to a debt collector 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 Thomas Agency is to work with a credit repair professional. They help remove millions of negative items every year from companies like Thomas Agency on behalf of their clients.

Will Thomas Agency sue me or garnish my wages?

The Thomas Agency, Inc. is entitled to sue you over an unpaid debt. If they win the lawsuit and obtain a court judgment against you, they may have the legal ability to garnish your wages. They may also be able to levy your bank account, or take other steps to collect the debt, based on the specific laws of your state.

However, remember that lawsuits and wage garnishment are typically considered last-resort measures for collection agencies due to the costs and time associated with legal proceedings. More often, they would prefer to establish a payment plan or come to a settlement agreement.

The Thomas Agency, 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 a debt collector is harassing you, you may want to 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 The Thomas Agency

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, it 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 The Thomas 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.
  • The Thomas Agency may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • The Thomas 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.
  • The Thomas Agency cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Thomas Agency From Your Credit Report Today!

Credit Saint can assist you in disputing Thomas Agency 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.

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

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.