Lanier Collection Agency & Services is a collection agency based in Savannah, Georgia. A letter or call from it means a creditor has referred an unpaid account for collection.
- Type
- Collection agency
- Also known as
- Lanier Collections Agency and Services Inc; Lanier Collection Agency; L C A Services
- Headquarters
- Savannah, GA
42 debt collection complaints were sent to the Consumer Financial Protection Bureau about LANIER COLLECTIONS AGENCY AND SERVICES 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 Lanier Collection Agency & Services?
Lanier Collection Agency & Services is a collection agency in Savannah, Georgia. Its Better Business Bureau business profile lists a headquarters at 18 Park of Commerce Boulevard, Savannah, GA 31405, along with a P.O. box and a second Savannah street address. The profile lists the alternate names Lanier Collection Agency and L C A Services, and names Matthew Carlisle as president. The CFPB's complaint database lists the company as Lanier Collections Agency and Services Inc.
The website address listed for the company did not load when we prepared this profile, so we haven't listed phone numbers. Rely on the contact information in your letter, and check it against the creditor named there.
Why Lanier May Be Contacting You
We could not confirm from a primary source which creditors or industries Lanier works for, so the letter is your guide. It should name the creditor that referred the account, give an account or reference number, and state the amount claimed. If the creditor's name doesn't ring a bell, it may be a billing name for a doctor's office, hospital, utility or other local business, especially one in the Savannah area if you've lived there.
The company was named in about 42 CFPB debt-collection complaints filed from November 2023 through November 2026. Complaints are consumer reports and are not findings of wrongdoing.
How to Check a Debt Lanier Says You Owe
- Identify the original creditor and date of service. The validation notice must name the creditor and itemize the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Contact the original business yourself. It can tell you whether it received a payment, whether insurance was billed, and whether the account was really sent to collection.
- Dispute in writing within the validation period if you don't owe it, the amount is wrong, or you need more information. Keep a copy and proof of mailing.
- Ask whether the account was sold. If so, ask for the current owner's name.
- Look at when you last paid. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on consumer debts once that period has run (Tex. Fin. Code § 392.307). Georgia and other states use different periods.
What Lanier Can and Can't Do
An agency that collects consumer debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6). That means Lanier:
- May not call before 8 a.m. or after 9 p.m. your local time unless you agree (15 U.S.C. § 1692c(a)(1)).
- May not use obscene language or repeated calls meant to annoy (15 U.S.C. § 1692d).
- May not report the debt to a credit bureau before contacting you about it (12 C.F.R. § 1006.30(a)).
- Must stop contacting you, apart from limited notices, if you tell it in writing to stop (15 U.S.C. § 1692c(c)).
We did not find a CFPB enforcement action against Lanier Collection Agency & Services. See how to tell a collector to stop calling, or our FDCPA attorneys page.
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 Lanier Collection Agency & Services 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
- BBB business profile: Lanier Collection Agency & Services (facts only)
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: LANIER COLLECTIONS AGENCY AND SERVICES INC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Lanier Collection Agency & Services has violated any law. Company details change; tell us if something here is out of date.