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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? 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 when speaking with you on the phone? If so, The Thomas Agency may be violating 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. 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.

Thomas Agency Better Business Bureau


Who is The Thomas Agency?

The Thomas Agency is third party debt collector located in Portland, Maine. 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 cases alleges that The Thomas Agency used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.

Address: 207 Larrabee Rd
Westbrook, ME 04092-4813
Phone: (800) 639-2408
Fax: (207) 887-8027

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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 how much is owed, or 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)


The Thomas Agency Phone Numbers             

Are you receiving any harassing phone calls from any of these numbers?

800-639-2408, 207-772-4659

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 a different 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.


Common Questions:

Is The Thomas Agency a scam? No, The Thomas Agency has been in business since 1927.

Can The Thomas Agency seize my property? The Thomas Agency can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtain a judgment against you, the debt collector may be able to take certain property as permitted by the court.

Can The Thomas Agency sue me? Yes, The Thomas Agency can sue you so long as the debt is within the statute of limitations.

Can The Thomas Agency report my debt to the collections bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report

Can The Thomas Agency 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 The Thomas Agency and can be found on

2:17-cv-00474-JDL ABBY v. THOMAS AGENCY

2:14-cv-00219-DBH SPICKLER v. GARDEN et al

2:09-cv-00575-GZS POULIN vs. THOMAS AGENCY, et al




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. 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.

Consumer Rights Law Firm, PLLC 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 at


Success Stories

“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.

“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.

“Because of a lie from a third party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”

Check out a links below for more information:

Maine Attorney General 

Consumer Financial Protection Bureau