Getting repeated calls from Augusta Collection Agency about a debt you don’t recognize is stressful. Court records show the company has faced federal litigation alleging false threats and improper collection practices. Knowing your rights under federal law can change how you respond.
Key Takeaways
- Augusta Collection Agency, Inc. is a third-party debt collector founded in 1969 and headquartered in Augusta, Georgia.
- A federal lawsuit, Oatman v. Augusta Collection Agency, Inc., resulted in district court summary judgment orders in 2019 and 2020.
- Consumers have reported false threats and calls outside legal hours, according to consumer law firms tracking the company.
- The FDCPA bars false threats, limits calling hours, and requires a written validation notice within five days.
- FDCPA violations can carry damages up to $1,000 per violation, plus attorney fees.
- The Wood Firm PLLC handles Augusta Collection Agency cases on contingency, so consumers pay nothing unless the firm wins.
Free Case Review: +1-844-638-1122
Who Is Augusta Collection Agency, Inc.?
Augusta Collection Agency, Inc. is a third-party debt collection agency headquartered in Augusta, Georgia. The company was founded in 1969 and has operated in the region for more than five decades. It recovers past-due accounts for hospitals, medical facilities, utilities, and small businesses.
Augusta Collection Agency serves the Central Savannah River Area, spanning Georgia and South Carolina. The company handles both small and large debts using phone outreach, letters, credit bureau reporting, and skip tracing. Its long regional presence has built the kind of documented collection agency harassment patterns consumers should watch for.
In our practice, we request the original account ledger on every Augusta Collection Agency file. A company operating this long sometimes carries outdated balances forward from paper records. A miscalculated balance can support a separate FDCPA claim.
Augusta Collection Agency Phone Numbers and Contact Information
Augusta Collection Agency contacts consumers using its main office line and a mailing address in Augusta, Georgia.
- Also Known As: Augusta Collection Agency, Inc.
- Address: 1109 Medical Center Drive, Suite 4, Augusta, GA 30909
- Phone: 706-731-9002 | (706) 731-9002 | +1 706-731-9002 | 7067319002
- Website: augustacollectionagency.com
- BBB Profile: Augusta Collection Agency BBB listing
Why Is Augusta Collection Agency Calling You?
Augusta Collection Agency is calling you because a hospital, utility, or other local creditor assigned your unpaid account to the company. The original debt often involves medical bills, utility accounts, or small business balances. Collection then becomes Augusta’s responsibility, not the original creditor’s.
What Are Common Complaints About Augusta Collection Agency?
Common complaints about Augusta Collection Agency include false threats, calls outside legal hours, and disputed credit report entries, according to consumer law firms Lemberg Law and Agruss Law Firm. Consumers report calls before 8 a.m. or after 9 p.m., and some describe collectors falsely threatening immediate wage garnishment. Not every contact from Augusta is illegal, but these patterns are worth documenting.
- False threats of imminent wage garnishment or lawsuits that were not actually filed.
- Calls placed before 8 a.m. or after 9 p.m.
- Collections entries left on credit reports for medical bills already resolved by insurance or attorneys.
- Attempts to collect debts consumers say they do not owe or cannot validate.
Augusta has been reported by consumers for continuing contact after being told they cannot pay right now.
Is Augusta Collection Agency a Scam?
Augusta Collection Agency is a real, licensed, and BBB-accredited debt collection agency, but accreditation isn’t the same as legal. Consumer law firms allege the company has falsely threatened immediate legal action in some cases. That gap between its accredited status and documented complaints is worth taking seriously.
In our practice, we ask clients to save every voicemail claiming legal papers are about to be filed. A threat that never turns into an actual lawsuit can support an FDCPA claim on its own.
Is Augusta Collection Agency Banned by the FTC?
No. Available research shows no FTC ban or public enforcement action against Augusta Collection Agency. A federal lawsuit and multiple consumer complaints still document alleged FDCPA violations.
Consumers can also file complaints with the CFPB or the Georgia Attorney General. These complaints can support a private FDCPA lawsuit even without a formal FTC action.
Has Augusta Collection Agency Been Sued for Debt Collection Violations?
Yes. Federal court records show at least one lawsuit against Augusta Collection Agency, Inc. alleging debt collection violations.
- Oatman v. Augusta Collection Agency, Inc., Docket No. 1:2018cv00089 (S.D. Ga., Augusta Division): cross-motions for summary judgment led to district court orders issued between late 2019 and April 2020.
In our practice, we pull the full docket on the Oatman case and any similar filing against Augusta Collection Agency. Those records often reveal the exact tactics the company still uses. If your situation matches a documented pattern, that overlap can strengthen your own claim.
Can Augusta Collection Agency Contact Your Family About Your Debt?
Augusta Collection Agency can contact third parties only to locate you, not to discuss your debt. The company cannot disclose that you owe money or leave voicemails revealing a debt to relatives. Family contact is one of the more common complaints reported against the company.
What Should You Do If Augusta Collection Agency Contacts You?
If Augusta Collection Agency contacts you, a few concrete steps can help you preserve evidence and protect your rights.
- Save every call log, letter, and voicemail from Augusta Collection Agency with dates and times.
- Send a written debt validation request within 30 days of first contact.
- Dispute inaccurate credit report entries directly with Equifax, Experian, and TransUnion.
- Check Georgia’s statute of limitations before making any payment.
- Send a written cease-and-desist letter by certified mail if calls continue.
Don’t feel pressured to pay before validation arrives. That’s exactly what aggressive collectors want.
How Do I Stop Augusta Collection Agency From Calling Me?
You can stop Augusta Collection Agency from calling by sending a written cease-and-desist letter by certified mail. After receiving it, the company may contact you only to confirm the stop or notify you of an actual lawsuit. Continued calls after that point may support an FDCPA claim.
Can Augusta Collection Agency Sue Me for This Debt?
Yes, Augusta Collection Agency can sue you, but only within Georgia’s statute of limitations. Threatening a lawsuit without any intent to file violates federal law.
Why Does Augusta Collection Agency Keep Calling After I Said I Can’t Pay?
Augusta Collection Agency reportedly continues contacting some consumers after being told they cannot pay right now, according to consumer complaints. Federal law requires reasonable collection efforts, not repeated pressure designed to force a payment you cannot afford.
Can I Sue Augusta Collection Agency for Harassment?
Yes. If Augusta Collection Agency called outside legal hours, contacted your family about the debt, or continued after a cease-and-desist letter, you can sue for damages up to $1,000 plus attorney fees.
Does 50 Years in Business Mean Augusta Collection Agency Follows the Law?
No, five decades in business does not guarantee compliance with federal law. A federal lawsuit and multiple consumer complaints show that even long-standing collectors can violate consumer rights.
What If My Debt From Augusta Collection Agency Is From Years Ago?
Check Georgia’s statute of limitations before responding to an old debt from Augusta Collection Agency. If the debt is time-barred, the company must disclose that it cannot sue you, though it may still attempt collection. Making even a small payment can restart that clock.
Can Augusta Collection Agency Report My Debt to Credit Bureaus?
Yes. Augusta Collection Agency can report a valid, verified debt to Equifax, Experian, and TransUnion. That reporting must still follow the Fair Credit Reporting Act’s accuracy requirements.
We’ve also helped consumers stop harassment from other collectors, including Viking Client Services, Credit Bureau Collection Services, Retrieval Masters Credit Bureau, Scott & Associates, Overton Russell Doerr and Donovan, and Comenity Bank debt collectors.
How The Wood Firm PLLC Helps Stop Augusta Collection Agency Harassment
The Wood Firm PLLC reviews the tactics documented in Augusta Collection Agency’s lawsuit history and consumer complaints. We compare that history against what each client experienced. We examine call logs, letters, and any validation notice for FDCPA violations.
The firm handles Augusta Collection Agency cases on contingency, so clients pay nothing unless we win. Federal law also requires violators to pay attorney fees when a claim succeeds. Call The Wood Firm PLLC at +1-844-638-1122 for a free case evaluation.
Augusta Collection Agency cases often hinge on documentation the company would rather you never see. Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency, and violators pay our fees.
What Happens Next With Augusta Collection Agency?
What happens next with Augusta Collection Agency depends on the records you keep starting today. Save every call, letter, and voicemail, and send a written validation request if you have not already. A short conversation with an attorney can clarify whether Augusta Collection Agency crossed into an FDCPA violation. Call The Wood Firm PLLC at +1-844-638-1122 for a free, no-obligation case review.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
