Augusta Collection Agency Phone Harassment?

Augusta Collection Agency Calls Explained

When the calls start, they’re often just a nuisance. But when the same number like 706-731-9003 appears daily, or the tone shifts from reminder to threat, consumers head to search engines. They’re looking for answers to two core questions: “Is this legitimate?” and “How do I make it stop?” If you’re researching Augusta Collection Agency (ACA), it’s likely because their contact attempts feel excessive, confusing, or intimidating.

Most consumers start researching after calls feel excessive, confusing, or threatening.

Who Is Augusta Collection Agency and Why Are They Calling You?

According to Better Business Bureau, Augusta Collection Agency (ACA) is a third-party debt collector based in Augusta, Georgia. They are hired by original creditors (like credit card companies, medical providers, or utility companies) to collect on accounts that are significantly past due. Their calls mean a creditor has placed an account with them for collection.

Address: 1109 Medical Center Dr, Suite 4, Augusta, GA 30904-5343
Phone: (706) 731-9003

What “Third-Party Debt Collector” Actually Means

Unlike the original company you owe, a third-party collector like ACA has purchased the debt or is working on a contingency fee basis to collect it. This distinction is crucial because it means they are fully bound by the federal Fair Debt Collection Practices Act (FDCPA), which sets strict rules on how they can communicate with you. The (CFPB) enforces these rules.

Why You Might Not Recognize the Debt

The debt ACA is calling about could be several years old, may have been sold multiple times, or could even be the result of an error. Collectors are required by law to send you a written debt validation notice within five days of first contact. This notice must detail the amount owed and the original creditor’s name.

What the First Few Calls From Augusta Collection Agency Typically Look Like

Initial contact often follows a pattern designed to elicit a response. You might receive a call from (706) 731-9003 or a similar number, where a representative identifies themselves and states they are calling to collect a debt. They will ask you to confirm your identity and may press for an immediate payment or promise to settle.

How Call Frequency Usually Increases

If the initial calls don’t result in payment, the strategy often intensifies. What begins as a call every few days can quickly become multiple calls per day. This pattern of frequent calls is a common complaint against collectors and can itself constitute harassment under the FDCPA laws if done with intent to annoy or abuse.

Why Voicemails Are Often Vague or Scripted

You may receive voicemails that say, “This is an important business matter,” or “Please return our call concerning a personal business issue,” without explicitly stating it’s a debt collection call. While intended to protect your privacy, this vagueness can be alarming. However, if they do leave details about the debt, they must comply with laws prohibiting disclosure to third parties.

When Debt Collection Crosses the Line Into Harassment

Harassment begins when calls are excessive, misleading, or intended to pressure rather than inform. The FDCPA provides a clear framework, prohibiting conduct that would harass, oppress, or abuse any person.

Pressure Tactics That Raise Legal Red Flags

• Threats of Immediate Legal Action: Claiming they will sue, garnish wages, or seize property within days is often a bluff. Such legal actions require formal court processes that take time.

• Calls at Inconvenient Times: The law presumes calls before 8 a.m. or after 9 p.m. in your time zone are inconvenient and are prohibited unless you agree otherwise.

• Use of Obscene or Profane Language: This is always illegal.

Behavior That Is Never Legal Under the FDCPA

According to the Federal Trade Commission (FTC), debt collectors cannot:

• Threaten violence or harm.

• Publish your name on a “deadbeat” list.

• Use false statements, like pretending to be an attorney or government agent.

• Falsely claim you’ve committed a crime.

Your Legal Power When Augusta Collection Agency Contacts You

You are not powerless when ACA calls. Federal law grants you specific rights that shift control back to you.

The Right to Written Debt Verification

You have 30 days after first contact to request written validation of the debt. Send a letter via certified mail to ACA’s address. Once received, they must pause all collection activity until they mail you proof that you owe the debt and they have the right to collect it.

The Right to Limit or Stop Communication

You can demand that ACA stop calling you. Sending a formal cease and desist letter instructs them to end all phone communication. They can only contact you after that to confirm they will stop calls or to notify you of a specific legal action, like filing a lawsuit.

If you’re unsure how to draft these powerful letters or need help enforcing your rights, consulting with a specialist like Consumer Rights Law Firm PLLC can ensure your demands are legally sound and effective.

Documenting Call Patterns That Matter Legally

For regulators and courts, a pattern of misconduct is far more compelling than a single incident. Meticulous documentation is your most potent tool.

Call Logs That Strengthen Complaints

Keep a detailed log for every contact attempt. This evidence is critical if you file a complaint with the CFPB or pursue legal action.

Augusta Collection Agency Contact Log

Voicemails and Language Regulators Care About

Save all voicemails. Transcripts of threats like, “We’re filing papers at the courthouse tomorrow,” when no lawsuit is pending, are direct evidence of false representation.

Common Collection Tactics vs. What the Law Allows

This table clarifies where ACA’s tactics may cross into illegality.

How to Respond Without Making the Situation Worse

A strategic response can de-escalate harassment while protecting your legal standing.

What to Say on the First Call

Remain calm. State: “I am noting this call. Please send me the required written validation notice to my address on file. I will not discuss any debt until I receive that in writing.” This invokes your rights and creates a record.

What Not to Say to Any Debt Collector

• Do not admit the debt is yours.

• Do not make a “good faith” payment—it can restart the statute of limitations.

• Do not give personal financial information (bank account, SSN).

Navigating these conversations can be stressful. Having an advocate from Consumer Rights Law Firm PLLC handle communication can stop the calls and protect you from missteps.

When and How to Escalate Augusta Collection Agency Complaints

If ACA violates the law, formal complaints create a public record that regulators use for investigations and enforcement actions.

Filing With the CFPB, FTC, and State Attorney General

1. CFPB Complaint: Submit online at the  website. They forward your complaint to the company and work to get a response.

2. FTC Complaint: File with the Federal Trade Commission, the nation’s primary consumer protection agency.

3. Georgia Attorney General: Contact the Georgia Department of Law’s Consumer Protection Division.

Or let Consumer Rights Law Firm PLLC handle everything for you, from filing complaints with the CFPB and FTC to contacting your State Attorney General, so you don’t have to deal with the stress.

Why Complaint Data Actually Matters

Regulators aggregate complaint data to identify patterns of abuse. Widespread complaints against a single agency like ACA can trigger formal investigations and lawsuits.

2026 Debt Collection Trends Consumers Should Know

The tactics and technology used in collections are evolving. Staying informed is your best defense.

Caller ID Spoofing and Number Rotation

ACA or scammers impersonating them may use local numbers or constantly change caller ID to bypass call blocking. Just because it’s a local number doesn’t mean it’s legitimate.

How to Verify a Legitimate Collector in 2026

Always ask for the caller’s name, the collection agency’s full name, and its mailing address. A legitimate collector like ACA will provide it. Then, independently verify this information online—do not call back a number they provide.

Warning Signs of Look-Alike Scams

• Demands for payment via gift cards or wire transfer. This is always a scam.

• Refusal to provide a mailing address.

• Calls about a “debt” you have absolutely no memory of.

When It Makes Sense to Get Legal Help

If calls persist after you’ve requested validation or sent a cease-and-desist letter, or if the harassment involves clear threats and abuse, legal help is not just useful—it’s a powerful next step.

Legal help is useful when calls persist, escalate, or violate federal law.

The FDCPA is a “fee-shifting” statute, meaning if you win your case, the collector pays your attorney’s fees and court costs. This allows firms like Consumer Rights Law Firm PLLC to represent consumers without any upfront cost. They act as your advocate, handling all communication, building your case for violations, and seeking compensation for the harassment—which can include up to $1,000 in statutory damages plus compensation for actual harm.

What to Remember If Augusta Collection Agency Is Calling You

You have more control than the caller wants you to believe. The law is on your side, providing tools to demand proof, stop harassment, and hold violators accountable. Your first step is to shift the power dynamic from phone calls to documented, written communication.

Augusta Collection Agency Phone Numbers

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 different phone numbers, 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!

Complaints Against Augusta Collection Agency

The following is a sample list of complaints filed against Augusta Collection Agency in the past year and can be found on Pacer.gov.

Get Help With Augusta Collection Agency Harassment

If the calls from Augusta Collection Agency are overwhelming, threatening, or simply won’t stop despite your requests, you don’t have to manage this alone. Consumer Rights Law Firm PLLC specializes in stopping illegal debt collection harassment.

We help consumers enforce their FDCPA rights, demand an end to abusive tactics, and seek compensation where the law has been broken. Contact us for a confidential, no-obligation consultation to discuss your situation and legal options. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

Success Stories

Working with Matthew was quick and easy. He explained everything very well and got the things done and now I don’t have to worry about debt collectors coming to threaten me. He was able to get me a debt waiver and they’re taking it off my credit report, thank you so much for that. And I recommend him to anyone else looking for help!

Scott was amazing and very professional! He was very knowledgeable and took the time to explain everything and answer my questions. We were dealing with a very unprofessional debt collector. Im thankful I looked into our rights and what we could do and found Consumer Rights Law Firm. Dont ever let a debt collector try to bully you and tell you that you have no rights because you do!