Augusta Collection Agency: Who They Are and Your Rights

Type

Collection agency

Also known as

Augusta Collection Agency, Inc.; ACA

Headquarters

Augusta, GA

Phone numbers it lists

(706) 731-9002

Website

augustacollectionagency.com

35 debt collection complaints were sent to the Consumer Financial Protection Bureau about Augusta Collection Agency, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Augusta Collection Agency?

Augusta Collection Agency, Inc. is a small, locally focused collection agency in Augusta, Georgia. Its website says it started as a small business in 1969 and calls itself the CSRA's local collection agency, a reference to the Central Savannah River Area around Augusta. Its office is at 1109 Medical Center Drive, Suite 4, Augusta, GA 30909, and it takes mailed payments at PO Box 14938, Augusta, GA 30919. Its main phone number is (706) 731-9002.

We did not find a CFPB enforcement action against Augusta Collection Agency.

Why Augusta Collection Agency May Be Contacting You

The agency's site is written mostly for the businesses that hire it. It says no account is too small and that it handles both small and large balances for its clients, and its testimonials come from local business owners in Augusta and Martinez. It does not list its clients or the industries it serves. In practice, a letter or call from Augusta Collection Agency usually means a business in the Augusta area, such as a medical office, service provider or landlord, has turned an unpaid bill over to it.

Because the agency is a third party, the letter should name the business you originally owed. If that name is missing or unfamiliar, that is the first thing to ask about.

How to Check a Debt Augusta Collection Agency Says You Owe

Local agencies often handle older, smaller bills that you may have forgotten or already paid. Before you send money:

• Look for the validation notice. Within five days of first contacting you, the agency must send a notice naming the creditor, the amount, and how to dispute it (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Read what a validation notice should contain.
• Dispute in writing within the validation period if you don't recognize the bill or the amount looks wrong. The agency must pause collection until it sends verification.
• Ask who owns the account now. Find out whether the original business still owns it or whether it was sold, and ask for the date of the last payment.
• Pull your own records. Receipts, cancelled checks and bank statements often settle small disputes quickly, especially for service bills that were paid at the counter.
• Check the age of the debt. In Texas, most suits on consumer debts must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Georgia and other states set their own deadlines.

What Augusta Collection Agency Can and Can't Do

An agency that collects bills owed to other businesses is a "debt collector" under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692a(6). That means:

• It cannot call you more than seven times in seven days about the same debt, or within seven days after a phone conversation about it (12 C.F.R. § 1006.14(b)(2)). See how often a collector can call.
• It cannot tell your employer, neighbors or relatives that you owe a debt (15 U.S.C. § 1692c(b)).
• If you tell it in writing to stop contacting you, it must stop except to confirm that it is ending collection or to notify you of a specific action (15 U.S.C. § 1692c(c)).
• It cannot add interest or fees that your original agreement or the law does not allow (15 U.S.C. § 1692f(1)).

If you think the agency crossed one of these lines, our Texas FDCPA attorneys page explains how a claim works.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Augusta Collection Agency or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Augusta Collection Agency: home page
• Augusta Collection Agency: Contact
• CFPB enforcement actions list (checked pages 1-17)
• CFPB Consumer Complaint Database: Augusta Collection Agency, Inc., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Augusta Collection Agency has violated any law. Company details change; tell us if something here is out of date.