Thomas George Associates: Who They Are and Your Rights

Type

Collection agency

Also known as

Thomas George Associates, Ltd.; TGA

Headquarters

East Northport, NY

Collects

insurance subrogation claims, earned and audit insurance premiums, disability overpayments, commercial accounts

Phone numbers it lists

(631) 261-8800

Website

tgaltd.com

22 debt collection complaints were sent to the Consumer Financial Protection Bureau about Thomas George Associates, Ltd. 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 Thomas George Associates?

Thomas George Associates, Ltd., which brands itself TGA, is an insurance recovery company at 10 Larkfield Road in East Northport, New York. Its website says it was founded in 1970, is independent and family-owned, and works for liability carriers and third-party administrators nationwide on a contingency basis. TGA describes itself as nationally licensed, bonded and insured, with a licensing and compliance department, and says its staff includes licensed adjusters and recovery specialists.

TGA's main number is (631) 261-8800, and its office hours are 8:30 a.m. to 5:30 p.m. Eastern, Monday through Friday. We did not find a CFPB enforcement action against Thomas George Associates.

Why Thomas George Associates May Be Contacting You

TGA is not a typical credit-card or medical-bill collector. Its service lines are insurance recoveries:

• Subrogation. After an insurer pays for a loss, such as auto damage, uninsured bodily injury, PIP or MedPay, homeowner and property losses or workers' compensation, it may try to recover that money from the person it believes caused the loss. TGA handles those claims, and arbitration and litigation when needed.
• Earned and audit premiums. When a policy ends or is audited and more premium turns out to be owed, TGA collects the shortfall. Its site says this is common on commercial-line policies.
• Disability overpayments on long- and short-term disability claims.
• Commercial collections for business accounts.

So a TGA letter most often says an insurer wants reimbursement for an accident or loss, or that a premium balance remains on a policy.

How to Check a Claim Thomas George Associates Sends You

• Identify the insurer and the loss. Ask which carrier TGA represents, the claim number, the date of loss, and what the carrier paid. For a subrogation claim, ask for the repair estimate, invoices or medical bills behind the figure.
• Contact your own insurer. If you were insured when the accident happened, your liability carrier may need to handle the claim. Send it the letter promptly.
• For a premium balance, request the policy, the audit worksheet and the payroll or sales figures used, and compare them with your records.
• Use the validation process when the claim is a consumer debt. If the balance comes from a personal policy or other consumer transaction, you can demand validation in writing within the period stated in the notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). See how to dispute a debt.
• Watch the deadlines. In Texas, suits on most debts must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Property-damage and injury claims follow different, generally shorter, limitation periods, and other states have their own rules.

What Thomas George Associates Can and Can't Do

Whether the FDCPA applies depends on the claim. A company that regularly collects consumer debts for others is a "debt collector" under 15 U.S.C. § 1692a(6), but the Act only covers "debts" arising from consumer transactions (§ 1692a(5)). In Hawthorne v. Mac Adjustment, the Eleventh Circuit held that an insurer's subrogation claim for car-accident damage was not a "debt" under the Act. A premium owed on a personal insurance policy is a different matter. Commercial premium balances are business debts and fall outside the FDCPA.

• Even outside the FDCPA, a recovery letter cannot create a judgment. Only a court can, and you have the right to contest a lawsuit.
• For consumer-debt accounts, the Reg F call limit (seven calls in seven days, 12 C.F.R. § 1006.14(b)(2)) and the ban on false or misleading statements (15 U.S.C. § 1692e) apply.
• In Texas, a judgment for ordinary consumer debt cannot be enforced by garnishing wages.

If you think a TGA demand crossed the line, see our Texas 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 Thomas George Associates 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

• TGA: home page
• TGA: About us
• TGA: Earned & audit premiums
• Hawthorne v. Mac Adjustment, Inc., 140 F.3d 1367 (11th Cir. 1998)
• CFPB enforcement actions list (checked pages 1-17)
• CFPB Consumer Complaint Database: Thomas George Associates, Ltd., debt collection

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