If Thomas George Associates has appeared on your credit report, it could be hurting your credit score. Here’s what you should know about this collection agency and how to handle them the right way.
Who Is Thomas George Associates?
Thomas George Associates, Ltd. is a debt collection agency located in East Northport, New York. They specialize in collecting unpaid debts for businesses, mainly in the insurance industry.
If you see them listed on your credit report, it usually means they’ve reported a collection account tied to an unpaid bill, which can lower your credit score.
Who Does Thomas George Associates Collect For?
Thomas George Associates works on behalf of insurance companies. They collect unpaid premiums, deductibles, and other outstanding charges from policyholders who haven’t settled their accounts.
Is Thomas George Associates Legitimate?
Yes, Thomas George Associates is a real debt collection company. But that doesn’t mean every account they report is correct. Mistakes happen, so always verify any debt they claim you owe before making a payment.
You have the legal right to request proof that the debt is yours and that the amount is accurate.
How to Remove Thomas George Associates From Your Credit Report
Collections can stay on your credit report for up to seven years. That’s why it’s important to take action. Here are your options:
- Dispute Inaccuracies: If the account is incorrect or outdated, file a dispute with the credit bureaus. They must investigate and correct any mistakes.
- Negotiate a Pay-for-Delete: You can offer to settle the debt in exchange for having the account removed. Always get the agreement in writing first.
- Work With a Credit Repair Service: Professionals know how to challenge negative items and help clean up your credit report.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Thomas George Associates?
Before reaching out, confirm that the debt is valid and still within the statute of limitations in your state. Making a payment could reset the reporting period, keeping the account on your credit report longer.
Many people choose to work with credit repair experts who understand how to handle collection accounts. They can dispute errors and negotiate removals on your behalf.
Can Thomas George Associates Sue You or Garnish Your Wages?
They can. Thomas George Associates has the legal ability to sue for unpaid debts. If they win the case, they may be able to garnish your wages or take other collection actions, depending on your state’s laws.
However, lawsuits are expensive and time-consuming, so most collection agencies prefer to work out payment plans or settlements before going to court.
Complaints About Thomas George Associates
Like many debt collectors, Thomas George Associates has complaints filed with the Consumer Financial Protection Bureau and the Better Business Bureau. Common issues include:
- Incorrect debt reporting
- Harassment or repeated calls
- Refusal to validate debts when requested
If you’re being harassed or your rights are being violated, you can file a complaint with these agencies.
Your Rights When Dealing With Thomas George Associates
You’re protected by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws prevent unfair collection tactics and help protect your credit.
Here’s what those protections include:
- They cannot report false or incomplete information about you.
- You have the right to request debt validation within 30 days. They must prove the debt belongs to you and that the amount is accurate.
- Harassment, threats, repeated calls, and abusive language are illegal.
- They must be upfront about who they are and that they’re trying to collect a debt.
- They cannot threaten jail or arrest over unpaid debts.
Thomas George Associates Contact Information
- Address: 10 Larkfield Rd, East Northport, NY 11731
- Mailing Address: P.O. Box 30, East Northport, NY 11731
- Phone Number: (800) 443-8338 or (631) 261-8896
Remove Thomas George Associates From Your Credit Report Today
Struggling with a collection account from Thomas George Associates? You don’t have to face it alone. Credit Saint has helped thousands of people dispute inaccurate negative items for over 15 years. They even offer a 90-day money-back guarantee for extra peace of mind.
If you’re ready to take control of your credit, visit their website or call (855) 281-1510 to get started.
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.
