No one deserves to be abused for owing money, but this is what happens to indebted consumers every day. Debt collectors yell at them, make threats, and in general hound them until they pay, declare bankruptcy, or fight for their rights.
Your Rights Under the FDCPA
Under the Fair Debt Collections Practices Act (FDCPA), third-party debt collectors must be fair and ethical in all interactions with consumers. Actions like the following can incur sanctions from the Federal Trade Commission and other regulatory bodies.
- Telling you that they have committed fraud by not paying the debt
- Demanding amounts that are not supported by law or the original creditor agreement
- Using the phone to harass you by calling nonstop
- Calling you at work when your employer does not allow such calls
- Threatening legal actions that they have no intention of taking
- Refusing to validate the debt and prove that they are authorized to collect it
Company Profile: Lanier Collection Agency and Service, Inc.
If you are being called by Lanier Collection Agency and Service, Inc., more information is below.
Lanier Collection Agency and Service, Inc., which also does business as L C A Services, is a debt collection agency in Savannah, Georgia. It was founded in 1955, has 32 employees, and is managed by its President, Matthew Carlisle. The company has a B rating with the Better Business Bureau. The PACER website contains archived legal records showing that consumers who believed that they were being harassed by Lanier Collection Agency and Service, Inc. refused to be intimidated into paying.
Alleged Violations against Lanier Collection Agency and Service, Inc.**
According to information on the PACER website, on or around January 4, 2019, a Georgia consumer checked her credit report and saw that Lanier Collection Agency and Service, Inc. was reporting a debt that had been discharged in a Chapter 13 bankruptcy. The report displayed a “status date” of December 11, 2018, indicating that the company had reported the information more than five years after it was notified of her bankruptcy, and more than a month after it was informed of the discharge.
Feeling harassed by Lanier Collection Agency and Service, Inc., the consumer hired counsel and sued the agency for:
- Using false, deceptive, and misleading means to collect a debt
- Using unfair and unconscionable means to collect a debt
- Reporting inaccurate information to the credit bureaus
The matter was later dismissed.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If they appear on your caller ID at any time, seek legal advice, as you are being called by Lanier Collection Agency and Service, Inc. If they report a discharged debt as still valid and damage your credit opportunities, hire a consumer lawyer and file a claim against Lanier Collection Agency and Service, Inc. You could potentially be awarded statutory damages of $1,000 plus court costs and attorney fees, so never let a debt collector tell you that they have the upper hand.
**Case taken from PACER (pacer.gov). File number is Case 1:19-cv-01838-SCJ from the United States District Court for the Northern District of Georgia, Atlanta Division.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Lanier Collection Agency and Service, Inc. or any other third-party collection agency, you may not be entitled to any compensation.