If The Thomas Agency shows up on your credit report, it can damage your credit score and make it harder to get approved for loans or credit cards. Here’s what it means and how to handle the situation.
Who Is The Thomas Agency?
The Thomas Agency, Inc. is a debt collection company based in Westbrook, Maine, with an additional office in Brewer, Maine. They help businesses recover unpaid debts, primarily in the healthcare industry.
If they appear on your credit report, it means an unpaid bill was sent to them for collection.
Who Does The Thomas Agency Collect For?
The Thomas Agency works mainly with healthcare providers, including:
- Hospitals
- Clinics
- Doctor’s offices
- Other medical service providers
If you have unpaid medical bills, your account may have been transferred to The Thomas Agency for collection.
Is The Thomas Agency Legitimate?
Yes, The Thomas Agency is a legitimate debt collection agency. They are authorized to collect debts on behalf of their clients. That said, you should always verify any debt before making payments, as credit reports can contain errors or outdated information.
How to Remove The Thomas Agency From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but there are steps you can take to try to remove them sooner:
- Dispute the Account: If the information is inaccurate, outdated, or incomplete, file a dispute with the credit bureaus. You can do this yourself or work with a credit repair service.
- Negotiate a Pay-for-Delete: You may be able to offer payment in exchange for the account being removed from your credit report. Always get the agreement in writing.
- Hire a Credit Repair Company: Credit repair professionals regularly challenge collection accounts and know how to help improve your credit.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay The Thomas Agency?
Before reaching out to The Thomas Agency or making a payment:
- Confirm the debt is valid and belongs to you.
- Verify the amount is correct.
- Understand that making payments can restart the statute of limitations in some states.
Many people work with credit repair experts to handle collections like The Thomas Agency, especially if the process feels overwhelming.
Can The Thomas Agency Sue You or Garnish Wages?
The Thomas Agency has the legal right to sue you over unpaid debts. If they win in court, they could:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
These actions depend on your state’s laws and are usually a last resort. Most agencies prefer to arrange a payment plan or settlement rather than pursue legal action.
Complaints About The Thomas Agency
Like many collection agencies, The Thomas Agency has received complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate information reported to credit bureaus
- Harassment or excessive phone calls
- Failure to properly verify debts
If your rights are being violated, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With The Thomas Agency
You are protected by federal laws, including the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws provide important protections:
- Debt Validation: You can request proof that the debt is yours and accurate. Send a written debt validation letter, and they must respond within 30 days.
- No Harassment: The Thomas Agency cannot harass you, call excessively, or use abusive language.
- Clear Communication: They must identify themselves as a debt collector and inform you of your rights.
- No Arrest Threats: Debt collectors cannot threaten to have you arrested for unpaid debts.
Knowing your rights helps you handle collections and protect your credit.
The Thomas Agency Contact Information
Address:
The Thomas Agency, Inc.
207 Larrabee Rd, Suite 6
Westbrook, ME 04092
Mailing Address:
The Thomas Agency, Inc.
P.O. Box 6759
Portland, ME 04103
Phone Numbers:
(800) 639-2408
(207) 772-4659
Need Help Removing The Thomas Agency From Your Credit Report?
If The Thomas Agency is hurting your credit score, you don’t have to deal with it alone. Credit Saint has over 15 years of experience helping clients challenge negative items on their credit reports. They even offer a 90-day money-back guarantee for peace of mind.
Ready to take control of your credit? Visit their website or call (855) 281-1510 to learn more.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
