Augusta Collection Agency Phone Harassment?
*Is Augusta Collection Agency (ACA) calling you?*Stop Augusta Collection Agency phone harassment. Do they threaten to take legal action or garnish your wages? Collection agencies may also pursue lawsuits against debtors as part of their collection efforts. Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so, what they are doing is illegal and needs to stop. You have the legal right to stop ACA phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Introduction to Debt Collection
Debt collection is a process where a collection agency works to recover unpaid debts from individuals or businesses. When an account becomes overdue, creditors may turn to collection agencies like Augusta Collection Agency to help collect the outstanding amounts. These agencies are responsible for contacting debtors, negotiating payment arrangements, and sometimes reporting the status of these accounts to credit bureaus. In the United States, fair debt collection practices are enforced by laws such as the Fair Debt Collection Practices Act (FDCPA), which sets clear guidelines for how collection agencies must operate and protects consumers from abusive or deceptive tactics. Understanding how debt collection works and the role of agencies like Augusta Collection Agency is essential for anyone managing debts, as it helps ensure that both businesses and consumers remain in compliance with the law and that fair treatment is upheld throughout the collection process.
Is Augusta Collection Agency a Scam?
According to the Better Business Bureau website, Augusta Collection Agency has been in business for 50 years. Before engaging with them, it is important to check the agency’s credentials and reputation with the BBB and other reliable sources. There have been 5 complaints filed against ACA with the BBB, reflecting the experience of consumers who have interacted with Augusta Collection Agency.
Augusta Collection Agency Better Business Bureau
Who is Augusta Collection Agency?
Augusta Collection Agency is a third party debt collector located in Augusta, Georgia. The agency started its operations in the early 1990s, establishing a long-standing presence in the industry. They have been a party to over 160 federal cases based on their issuance of credit and collection of debts incurred on their credit cards. A recent Federal Court case alleges that Augusta Collection Agency used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
Address: 1109 Medical Center Dr, Suite 4
Augusta, GA 30904-5343
Phone: (706) 731-9003
The team at Augusta Collection Agency is dedicated to delivering professional debt collection services, leveraging their expertise to support both creditors and consumers.
Augusta Collection Agency is often referred to or searched for by other names. These include:
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The agency is actively involved in collecting overdue debts from individuals and businesses, utilizing their extensive experience in the field. Services provided by Augusta Collection Agency include transparent communication, support, and resources for both creditors and consumers. They assist creditors in recovering delinquent accounts while ensuring compliance with legal and procedural standards.
Augusta Collection Agency Collection Tactics
If Augusta Collection Agency engages in any of the following tactics, you may have a case:
Augusta Collection Agency Phone Numbers
706-731-9003, 706-731-9002, (706) 731-9003, (706) 731-9002, 7067319003, 7067319002
If the answer is yes, then you are receiving calls from a known ACA number. You may be a victim of ACA phone harassment. The list above is not all the numbers that ACA uses. The calls can be from a different number, and it still be Augusta Collection Agency calling you. Contact our office right away so we can start the process to stop ACA from calling you illegally. Above all, no one should live with harassment!
Impact of Unpaid Debts on Credit Scores
Unpaid debts can have a lasting impact on your financial health, particularly when they are turned over to a collection agency. Once a debt is placed in collections, the agency may report the account to major credit bureaus, resulting in a negative mark on your credit report. This negative entry can significantly damage your credit score, making it more difficult to qualify for loans, credit cards, or even certain jobs and housing opportunities. The Fair Credit Reporting Act (FCRA) governs how collection agencies, including Augusta Collection Agency, report debt information to credit bureaus and ensures that consumers have the right to dispute inaccurate or outdated reports. Since collection accounts can remain on your credit report for up to seven years, it’s important to address debts promptly and work with agencies to resolve outstanding amounts. Taking action to settle or pay off debts can help protect your credit score and minimize long-term financial damage.
Is ACA a scam? No, Augusta Collection Agency has been in business for 50 years.
Can Augusta Collection Agency garnish my wages? Yes, ACA can garnish your wages on a Federal Student loan or if they have obtained a judgment from the courts.
Can ACA sue me? Yes, ACA can sue you so long as the debt is within the statute of limitations and other legal conditions are met, such as proper documentation of the debt.
Can ACA report my debt to the collection’s bureaus? ACA can report your debt to the credit bureaus under certain terms and conditions, such as when the debt is valid and meets reporting requirements. A collection account can remain on your credit report for up to seven years from the date of the first delinquency, impacting your credit during that time.
Can ACA arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g., an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
The following is a sample list of complaints filed against Augusta Collection Agency in the past year and can be found on Pacer.org.
3:18-cv-00237-BJD-JBT Lounsbury v. Augusta Collection Agency, Inc
1:13-cv-00940-ODE Glorioso-Drake v. Augusta Collection Agency, Inc.
1:18-cv-02738-SCJ Baker v. Augusta Collection Agency, Inc.
1:11-cv-00046-JRH-WLB Young v. Augusta Collection Agency, Inc.
6:15-cv-00097-JRH-GRS Bame v. Augusta Collection Agency, Inc.
is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Augusta Collection Agency harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Augusta Collection Agency call us at (877)700-5790 for immediate assistance or visit our website at
Click the link to access the relevant page for more information or to make a payment.
https://consumerlawfirmcenter.com/greenberg-grant-richards-debt-collection-harassment/
https://consumerlawfirmcenter.com/mountain-land-collections-debt-collection-harassment/
https://consumerlawfirmcenter.com/holloway-credit-solutions-group-phone-harassment/