<< /Resources 74 0 R endobj /CropBox [0 0 612 792] /Contents [36 0 R 37 0 R 38 0 R 39 0 R 40 0 R 41 0 R 42 0 R 43 0 R 44 0 R 45 0 R] They did not disclose the fact to me whether written or otherwise that you were going to report my personal information. /Count 9 /Count 8 Has a debt collection done any of the following: Are You Being Called By Lanier Collection Agency and Service, Inc.*? Politely tell them its your policy to deal with everything in writing. Xpert Credit Repair is a Delete Then Pay credit repair company. 
Lanier Collection Agency and Services provides debt recovery and accounts receivable management services. /odieresis /divide /oslash /ugrave /uacute /ucircumflex /udieresis /yacute /thorn /ydieresis] << I have sent letters for validation, asking for my signature for consent of treatment and a letter authorizing my information to be released to Lanier Collections Agency.
>> As long as they report to your credit report they may lower your credit score. /XObject << I know my rights as a protected consumer.
Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. /Names 5 0 R This mode adjusts the website for the convenience of users with visual impairments such as Degrading Eyesight, Tunnel Vision, Cataract, Glaucoma, and others. Let them help you too! /Parent 17 0 R We only provide information relating to specific accounts and not contractual documents with our clients. Accessibility Statement, Copyright 2005 -21 XCR Enterprises, Inc. d/b/a Xpert Credit Repair | All Rights Reserved. They are violating my rights as a consumer. Third party debt collectors have to follow the Federal Fair Debt Collections Practice Act or FDCPA and possibly your states version of the FDCPA. /Resources 46 0 R /Contents [75 0 R 76 0 R 77 0 R]
<< endobj
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. U=J hb4|+=Ou|V\513#CN#D J!r-i =yzf +&&mvQFX[FE`9N/N.f/k[A jY=_ QzPqGs#Y'KP\"@1! /CropBox [0 0 612 792] /Filter /FlateDecode negative items from their credit reports. /Type /Font >> 16 0 obj << Dont believe what they say.
6 0 obj endobj >> /BaseFont /Times-Bold /Type /Page /Font <<
Lanier Collection Agency must be honest about who they are and what they are trying to do. >> Thanks. We finally made phone contact with the consumer in April of 2019 and were hung up on when we explained why we were calling, with the consumer telling us she sent us a certifiedletter. They must notify you that they are a collection agency both orally and in writing. The best way to handle this is to work with a professional credit repair service. /Contents [67 0 R 68 0 R 69 0 R] i was never sent a notice that i owed this bill and never received a phone call or message until today. /ProcSet [/PDF /Text] They refer FDCPA / FCRA violations to consumer credit attorneys. << Letters informing her of each account were sent to the same address with a right to dispute option on each one. /Annots [] endobj endobj /Annots [] Your guide to everything personal finance. I am the original creditor and as such being born a natural person I am the only one who has the right to extend credit. /F1 21 0 R Debt validation. /Type /Page /Subtype /XML Harrased you with phone calls?Threatened to sue you or garnish wages?Asked you to pay more than owed or added interest/fees?Told a third party about the debt?Failed to send you any thing in the mail?Lied or threatened you?Did anything else that you think is illegal or unfair? 30 0 obj According to 15USS1681c-2 and FDCPA 806 -FDCPA 806 harassment and abuse I am a victim of harassment and abusive practices, getting calls and auto voice notes during working hours. If you are confused as to your rights, call us or a Consumer Credit Attorney. /Rotate 0 >> They will usually hang up. What is the Fair Debt Collection Practices Act (FDCPA)? I already contacted the creditors and told them that these accounts were inaccurate, but they were still reported negatively to my credit report without my consent. I sent certified letter via tracking number ****************** and proper validation was not provided, only a itemized bill but not authorization *****. /Annots [23 0 R] It is also illegal for Lanier Collection Agency to make any claims they cannot or will not follow through on this includes threatening to sue you or foreclose on your home. /Parent 17 0 R By requesting a free evaluation, the user will be provided with the name of an independent lawyer or advocate who will contact the user to do the evaluation. The age limit varies from state to state, but its typically around 4-6 years. /Type /Page Is Lanier Collection Agency hurting your credit score? Before choosing any financial product, read the terms and conditions from the financial service provider. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. >> You have protected rights when you deal with Lanier Collection Agency. Upon request, the collection agency reporting the information must prove to you, within 30 days, the name, address, and account number of the original creditor. You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Active, Closed, Alternate or previous names for the organization, Whether an Organization is for profit or non-profit, General contact email for the organization. endobj endobj stream
endobj Thanks ****** ******. It is important to note that if you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages. We received another request for validation of the debt in June of 2019 and responded timely sending the information to the address provided by the consumer. /CropBox [0 0 612 792] endobj >> SUE THEM! /Type /Page (Debt collectors prefer that we didnt tell you this, but its something you should know. I see it shows date of November 14,2017 (through ** ************). /MediaBox [0 0 612 792] We have not found any open cases against (C) for FDCPA violations at this time. This site may receive compensation from third-party advertisers. A third party debt collector like Lanier Collection Agency may contact you on behalf of the original creditor or a debt buyer that purchased the debt.. Lanier Collection Agency cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so. endobj A third party debt collector like Lanier Collection Agency may contact you on behalf of the original creditor or a debt buyer that purchased the debt.. Copyright 2022 Stop Collection Calls, All Rights Reserved. /Resources 66 0 R Thanks. It is an advertising service paid for by the lawyers and advocates whose names are provided in response to user requests and it is not an attorney referral service. /Kids [11 0 R 12 0 R 13 0 R] 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, 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. /Type /Page San Francisco Bay Area, Silicon Valley), Operating Status of Organization e.g.
/Contents [33 0 R] /CropBox [0 0 612 792] /Type /Page As a matter of policy, BBB does not endorse any product, service or business. Lanier Collection Agency can be removed from a credit report in one of 3 ways, Lanier Collection Agency18 Park of Commerce BlvdSavannah, GA 31405, Phone number: (912) 238-5252 or (800) 595-0279. BBB is here to help. Its also considered fraudulent to apply for new lines of credit if you are unable to pay your current creditors. What is the Telephone Consumer Protection Act. /Encoding 9 0 R /Annots [] >> /Font << Please do not send any confidential information to us until such time as an attorney-client relationship has been established. However, it is possible to remove a collection account from your credit history before seven years. Lanier Collection Agency cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so. A collection agency is still allowed to contact you about these debts, but they can no longer sue you for them, and you are not required to pay them. >> << The original creditor may report a balance on the credit report. 4 0 obj Once your debt reaches a certain age, it is considered zombie debt, and you are no longer legally obligated to pay it. 
/Title (Baker v. Lanier Collection Agency & Services, Inc. - 0:17-cv-02364-MBS) << 21 0 obj `\|]-d$6rN%a?M1v8oX1ki;Rjp@Wj\5~JoC!%xFB_#8:~u`,m7:NrsU-\e{g|\-.6]qNR6 F/P;b a29n6Ls&g%kqJI-5@L]\/8>eh:.g?=csBN XY_>.,: ,8a\R!U8 [>8Yq(Q6!H%4jKR^8BHhXIyu!Hhq@OBF. endobj We received no return mail the post office or any response from the consumer. /PDFDocEncoding 14 0 R /Annots [] /CropBox [0 0 612 792] They have deleted millions of negative items from companies like Lanier Collection Agency for millions of clients nationwide. endobj Disclaimer: Crediful does its best to maintain accurate and updated information. 26 0 obj While you can always dispute inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from the credit bureaus, sometimes it is best to have a credit repair professional assist you. BBB Business Profiles are subject to change at any time. We invite you to contact us and welcome your calls, letters and electronic mail. << [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Failed to send you any thing in the mail? endobj << ~9E3/%)0F, Baker v. Lanier Collection Agency & Services, Inc. - 0:17-cv-02364-MBS. /ZaDb 16 0 R >> Getting Illegal Calls from a Debt Collector? 9 0 obj /Fields [] You can do things on your terms, but ignoring the situation will not make LCA go away. Lanier Collection Agency may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors. /Annots [] Some states allow wage garnishment, while others do not. >> 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. You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).
Third party debt collectors have to follow the Federal Fair Debt Collections Practice Act or FDCPA and possibly your states version of the FDCPA. /Contents [47 0 R 48 0 R 49 0 R] How to handle Collections and Debt Collectors, Vehicle Repossessions and the Fair Debt Collections Practices Act 1692 f (6). Home Foreclosures and how to tell if you are protected by the Fair Debt Collections Practices Act. /Rotate 0
Call(866) 672-9737or setup afree consultationwithXpert Credit Repair. /Annots [] /MediaBox [0 0 612 792] /Type /Page This account was placed with our office on 10/01/2019 and we sent the initial notice with disclosures on 10/02/2019 to the address the consumer provided at the time of service. ), (Some clients have raised their credit scores by 100 points or more.*). The information you obtain at this site is not, nor is it intended to be, legal advice. 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. the third party debt collector may report the exact same amount due. /Resources 54 0 R << /Length 5061 This mode provides different assistive options to help users with cognitive impairments such as Dyslexia, Autism, CVA, and others, to focus on the essential elements of the website more easily. I was told even if i setup a monthly payment on a bill they would still report it to the credit agency. BBB Business Profiles generally cover a three-year reporting period. >>
20 0 obj /MediaBox [0 0 612 792] So instead of helping your credit, it could make it worse. Customer Reviews are not used in the calculation of BBB Rating, of those, 2 complaints were closed in last 12 months. Call Lexington Law now to learn more: (800) 220-0084, Address: Lanier Collection Agency18 Park of Commerce BlvdSavannah, GA 31405, Phone number: (912) 238-5252 or (800) 595-0279. 
>> /Type /Encoding /Resources 62 0 R
/Resources << We charge a credit analysis fee after it is received. >> No one deserves to be abused for owing money, but this is what happens to indebted consumers every day. endobj >> Get Free Advice or Hire an Attorney. Send a dispute to the credit bureau reporting Lanier Collection Agency. endobj document.getElementById( "ak_js" ).setAttribute( "value", ( new Date() ).getTime() ); Your information is kept 100% confidential. Asked you to pay more than owed or added interest/fees? Request a letter with the original debt information and then hang up. /MediaBox [0 0 612 792] If they keep calling, send them a cease & desist letter. /igrave /iacute /icircumflex /idieresis /eth /ntilde /ograve /oacute /ocircumflex /otilde /Parent 17 0 R /Subtype /Type1 Each state has a statute of limitations on debt. This mode configures the website to be compatible with screen-readers such as JAWS, NVDA, VoiceOver, and TalkBack. In the other 15 states, you can record with the other partys permission. /BS << Lanier Collection Agency and Services, Inc. Edit Lists Featuring This Company Section. Note that complaint text that is displayed might not represent all complaints filed with BBB some consumers may elect to not publish the details of their complaints, some complaints may not meet BBBs standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. << << View contacts for Lanier Collection Agency and Services to access new leads and connect with decision-makers. /degree /plusminus /twosuperior /threesuperior /acute /mu 183 /periodcentered /cedilla /onesuperior
Allows using the site with your screen-reader. /Oslash /Ugrave /Uacute /Ucircumflex /Udieresis /Yacute /Thorn /germandbls /agrave /aacute << A screen-reader is software for blind users that is installed on a computer and smartphone, and websites must be compatible with it. /Annots [] **Case taken from PACER (pacer.gov). This field is for validation purposes and should be left unchanged. endobj endobj endobj ComplaintsComplaints for Lanier Collection Agency & ServicesCollections AgenciesView Business profile.
>> Thirty-five states and the District of Columbia allow you to record your phone conversations secretly. /Subtype /Type1 Please have her contact our office if she would like any additional information.
Then they turn over the remaining money they collected from you to the original creditor or debt buyer. 32 0 obj To find out the attorney or advocate in your area who is responsible for the advertisement, click here.
/CropBox [0 0 612 792] Call them at (800) 220-0084 for a free credit consultation. 5 0 obj /AcroForm << >> If you find yourself facing any of these situations with Lanier Collection Agency, you should also consider filing a complaint. Heres What You Need to Know. /Kids [24 0 R 25 0 R 26 0 R 27 0 R 28 0 R 29 0 R 30 0 R 31 0 R] endobj xSn0[cmP5R"!/U>Y{?8@V8qp$_D-=((HT2UMbtu=P$Vl5
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endobj /Parent 4 0 R BBB Business Profiles are provided solely to assist you in exercising your own best judgment. Negative information can damage your credit score if it remains on your credit report. By Contributing Author: Sergei Lemberg /Contents [63 0 R 64 0 R 65 0 R] By law you are to disclose that you will be sharing my personal information. Please fill out your contact information: 2. We review your situation for free to determine if your rights have been violated and we will connect you to an award-winning attorney. Its also quite possible that you will never hear from or have to deal with Lanier Collection Agency again. I do not have any contract nor agreements with Lanier Collection Agency. Lexington Law specializes in disputing LCA collection accounts. This mode helps users with ADHD and Neurodevelopmental disorders to read, browse, and focus on the main website elements more easily while significantly reducing distractions. If you must deal with a debt collection agency on the phone, record them. You may see Lanier Collection Agency listed on your credit report as a collections account. endobj /S /URI [t$eU[.]a5oX4u/e1#3eFB`]\@$AzEN/H"*|G@]9 =UrC$C50vylJJ"@SAQf?w << /Resources << /Annots [] qF.?+D)N3B3fBCS)
J\b/.qOjP*R7%(^ct[
p}w-yjWv}\op; Ig.! This mode enables people with epilepsy to use the website safely by eliminating the risk of seizures that result from flashing or blinking animations and risky color combinations. Your have rights when Lanier Collection Agency is trying to collect money. She provided an updated address when we spoke with her today. %PDF-1.6 Lexington Law is a professional credit repair company that helps people fix their credit. /Contents [51 0 R 52 0 R 53 0 R] /Type /Pages /Pages 4 0 R /Count 1 The United States has laws against debt collectors harassing you. Can You Sue YOUR Debt Collector? We invoice you for the removed items after they occur. Sometimes when you pay a debt buyer it can lower your credit score even more. Feeling harassed by Lanier Collection Agency and Service, Inc., the consumer hired counsel and sued the agency for: 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. /Parent 12 0 R << 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. /Outlines 3 0 R Disclaimer / Attorney Advertising / Sitemap. 18 0 obj /Font 10 0 R endobj /Subtype /Type1 We respond to requests for validation as is required by the *****. Know Your States Statute of Limitations. /Length 384 /Border [0 0 0] endobj You have the right to be left alone, and make some easy money in the process! % /Differences [24 /breve /caron /circumflex /dotaccent /hungarumlaut /ogonek /ring /tilde 39 /Rotate 0 /AA 6 0 R endstream >> 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. /Resources 50 0 R Personal debts are covered, including personal credit cards, auto loans, household bills, and mortgage payments. SaaS, Android, Cloud Computing, Medical Device), Where the organization is headquartered (e.g. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. International Association of Better Business Bureaus. << If you tell the debt collector you are going to record, and they keep talking, thats considered giving permission. In October and December of 2018 we received Eoscar requests to validate the balance and responded to both of those. Lanier Collection Agency can stay on your credit report for up to 7 years whether you pay it or not.
Total number of Crunchbase contacts associated with this organization, Total number of organizations similar to the given organization, Descriptive keyword for an Organization (e.g. >> stream
3 0 obj /Filter /FlateDecode Baker v. Lanier Collection Agency & Services, Inc. - 0:17-cv-02364-MBS It is a violation of federal law for Lanier Collection Agency to report inaccurate or incomplete information on your credit report. /CropBox [0 0 612 792] Dont ignore them. Third party debt collectors usually work on a percentage basis meaning if they collect money from you they get a percentage of what they collect. However, its also best to avoid giving access to your bank account or credit card information. /Resources 78 0 R Lanier Collection Agency has numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. 23 0 obj The original creditor may report a balance on the credit report and the third party debt collector may report the exact same amount due. Heres a list of some of the nations most popular debt collectors that cause damage to your credit. /Kids [19 0 R] /CropBox [0 0 612 792] /PageMode /UseNone /MediaBox [0 0 612 792] Please have them contact our office as we have had no communication with them. /Type /Pages No matter what, Then they turn over the remaining money they collected from you to the original creditor or debt buyer. /MediaBox [0 0 612 792] Ms. ********* has multiple accounts with our office, several of which she recently filed a complaint on with the CFPB. /Type /Page No current reports of legal action taken against Lanier Collection Agency & Services have been reported to Sue the Collector. Specifically: Removing Lanier Collection Agency can be an important part of the credit repair process. << endobj /MediaBox [0 0 612 792] stream
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