The Thomas Agency Debt Collection Harassment
Tired of The Thomas Agency Debt Collection Harassment? Wish there was a way to make the calls stop? Is The Thomas Agency constantly calling and harassing you? Have you been contacted by The Thomas Agency about a debt? Does your phone ring every day, several times per day, because The Thomas Agency is calling you to demand payment? Threatening you with legal action? Has The Thomas Agency ever used abusive or profane language, threats, or threatening language when speaking with you on the phone? If so, The Thomas Agency may have violated your legal rights. Stop the harassment.
The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. Violations of the FDCPA, such as harassment, threats, or the use of threatening language, are illegal debt collection practices and can be grounds for legal action. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Is Thomas Agency a Scam?
According to the Better Business Bureau website, The Thomas Agency has been in business since 1927. There have been 10 complaints closed in the last 3 years and 1 complaint closed out in the last 12 months. Read more here: Thomas Agency Better Business Bureau.
Who is The Thomas Agency?
The Thomas Agency is a third party debt collector located in Portland, Maine. Their employees are known for providing professional and courteous service while handling debt collection matters. The agency collects debts from individuals who have incurred obligations on their credit cards. They have been a party to several federal cases based on their issuance of credit and collection of debts incurred on their credit cards. Furthermore, a recent Federal Court case alleges that The Thomas Agency used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Consumers can find more information about The Thomas Agency through public records or the Better Business Bureau.
Address: 207 Larrabee Rd Westbrook, ME 04092-4813
Phone: (800) 639-2408
Fax: (207) 887-8027
The Thomas Agency Debt Collection Harassment Tactics
If The Thomas Agency engages in any of the following tactics, you may have a case:
- Calls before 8:00 a.m. or after 9:00 p.m. or at any time or that they are given notice that it is inconvenient to call (FDCPA 15 U.S.C. 1692c)
- Talking to others about your debt (FDCPA 15 U.S.C. 1692b)
- Call the consumer’s place of employment if they have been advised that calls cannot be accepted at work. (FDCPA 15 U.S.C. 1692c)
- Use any profane language or any language that is harassing and abusive (FDCPA 15 U.S.C. 1692d)
- Engage in any conduct, the natural consequence of which is to harass, abuse or oppress. (FDCPA 15 U.S.C. 1692d)
- Make any misrepresentations of fact, such as making false claims about how much is owed, or making statements about certain actions they may take to force payment ( FDCPA 15 U.S.C. 1692e)
- Threaten arrest or criminal prosecution ( FDCPA 15 U.S.C. 1692e)
- Send false information to the credit bureaus ( FDCPA 15 U.S.C. 1692e)
- Cause a telephone to ring an unreasonable amount of times ( FDCPA 15 U.S.C. 1692d)
- Leaving harassing voicemails
The Thomas Agency Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
| S.No | Phone Number | Status / Notes |
|---|---|---|
| 1 | 800-639-2408 | Potential harassing call |
| 2 | 207-772-4659 | Potential harassing call |
If so, you may be a victim of The Thomas Agency debt collection harassment. The list above is not all the numbers that The Thomas Agency uses. Also, calls can be from different phone numbers and it still be The Thomas Agency calling you. Contact our office right away so we can start the process to stop The Thomas Agency from calling you illegally. Above all, no one should live with harassment.
How The Thomas Agency Can Impact Your Credit
When dealing with a debt collection agency like The Thomas Agency, it’s important to understand how their actions can directly affect your credit report and overall financial health. As a collection agency with a long and successful history, The Thomas Agency is experienced in credit reporting and works closely with major credit bureaus to collect debts on behalf of creditors. If you have an outstanding debt assigned to The Thomas Agency, they may report this information to the credit bureaus, which can result in a negative mark on your credit report and a decrease in your credit score.
Your Rights Under Federal Law
Federal laws such as the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) set strict guidelines for how debt collection agencies must handle your information and communicate with you. Under these fair debt collection practices, The Thomas Agency is required to provide you with a written notice about the debt and give you the opportunity to validate or dispute it before taking further action. If you’re unsure about the debt or believe there has been a mistake, you have the right to request verification and ensure the information reported to the credit bureaus is accurate.
Protecting Yourself and Your Credit
Ignoring calls or written requests from The Thomas Agency can lead to continued collection actions and further damage to your credit report. It’s essential to respond promptly, keep detailed records of all communications, and get any payment agreements in writing. If you believe The Thomas Agency is engaging in abusive behavior, harassment, or violating your rights under the FDCPA, you can file a complaint with the Better Business Bureau (BBB) or contact a consumer protection agency for support.
In some cases, collection agencies may continue to report debts to the credit bureaus even after you’ve paid or settled the account. To protect yourself, always keep proof of payment and all correspondence with the agency. If you notice errors or ongoing negative reporting, you have the right to dispute the information with the credit bureaus and request its removal.
Remember, you are not alone—thousands of consumers have successfully enforced their rights and stopped unfair debt collection practices. If you need help understanding your options or dealing with The Thomas Agency, consider reaching out to a credit counseling service, financial advisor, or an attorney who specializes in debt collection cases. Taking action today can help you stop the calls, protect your credit, and regain control of your financial life.
Complaints Filed Against The Thomas Agency
The following is a sample list of complaints filed against The Thomas Agency and can be found on Pacer.gov.
| S.No | Case No. | Case Name / Parties |
|---|---|---|
| 1 | 2:17-cv-00474-JDL | ABBY v. National Principal Group |
| 2 | 2:14-cv-00219-DBH | SPICKLER v. GARDEN et al |
| 3 | 2:09-cv-00575-GZS | POULIN v. National Principal Group |
| 4 | 1:98-cv-00198-MAB | BINGAMAN v. National Principal Group |
CONSUMER RIGHTS LAW FIRM PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. We have helped thousands of clients facing debt collection harassment. Our team works to enforce your rights under the FDCPA, ensuring that debt collectors comply with the law and that you receive the remedies you deserve. Contact a legal professional to stop The Thomas Agency debt collection 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 The Thomas Agency debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
“I was constantly being harassed by debt collectors, but Consumer Rights Law Firm PLLC helped me stop the calls immediately. Their team explained my rights clearly and took swift action. Highly recommended for anyone facing creditor abuse!”
“Professional, knowledgeable, and responsive. The attorneys at Consumer Rights Law Firm PLLC really understand the Fair Debt Collection Practices Act. Thanks to them, I received a settlement for the harassment I endured. Absolutely worth contacting!”
“I was skeptical at first, but they exceeded my expectations. They helped me hold a collection agency accountable for illegal robocalls. The process was simple, and I didn’t have to pay anything out of pocket.”
“These people are the real deal. The firm took my case seriously and got results fast. If you’re getting nonstop calls or threats from collectors, don’t wait—Consumer Rights Law Firm PLLC can help you take control.”
Common Questions:
Who is The Thomas Agency and why are they calling me?
The Thomas Agency, Inc. (TTA) is a third‑party debt collection firm based in Maine that contacts consumers about alleged overdue accounts they believe are owed.
Is The Thomas Agency legit or a scam?
They are a legitimate business in operation since 1927, but consumers have filed complaints under the FDCPA alleging improper collections tactics and failure to validate debts.
Can The Thomas Agency legally harass me with phone calls?
No. Under the FDCPA, debt collectors may not engage in harassing or abusive behavior such as repeated calls, profanity, threats, or calling outside allowed hours (8 a.m.–9 p.m.).
How many calls from The Thomas Agency count as harassment?
Calling more than seven times in seven days or calling again within seven days of a prior contact may be presumed a violation and considered harassment.
Can The Thomas Agency contact my employer or family members?
Only once and only to ask for location information. They may not discuss your debt with third parties beyond providing basic information like address or phone number.
What should I do if The Thomas Agency won’t stop calling?
Keep a detailed log of calls, send a written cease‑and‑desist letter via certified mail, and if harassment continues, file a complaint with the CFPB, FTC, or your state attorney general.
Can I dispute the debt with The Thomas Agency?
Yes. Within 30 days of first contact, you may send a written dispute/validation request. They must cease collection efforts until they provide verification.
Is The Thomas Agency allowed to threaten legal action or arrest?
No. They may not falsely threaten arrest, lawsuits, wage‐garnishment, or criminal action unless they legally intend to act and it’s permissible under law.
Can The Thomas Agency affect my credit score?
Yes. If they report a delinquent debt to credit bureaus, it can harm your credit. You can dispute inaccuracies directly with the creditor or bureaus.
Can I sue The Thomas Agency for FDCPA violations?
Yes. If they violated provisions such as harassment, false statements, or failure to verify, you can file a lawsuit for statutory damages (up to $1,000), actual harm, and attorney fees.
