This article was written by Lemberg Law staff, and reviewed by Sergei Lemberg, the managing attorney of Lemberg Law.
Harris & Harris Ltd is a third-party debt collection agency based in Chicago. H&H has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper contact or sharing of information and threatening to take actions that cannot legally be taken. If you have been contacted by this debt collector, make sure you understand your rights before responding.
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They’re legit. According to the Better Business Bureau (BBB), Harris & Harris, Ltd was established in 1968 and incorporated in 1977. The BBB established a profile page for H&H in June 2015, and it has been a BBB-accredited business since 2018. The BBB lists Harris & Harris as a collection agency.
If you’ve suffered from H&H debt harassment, you do have options. Under the law, you can recover up to $1,000 for violations of the FDCPA, and $500 to $1,500 for each cell phone robocall.
Harris & Harris employs countless debt collectors to collect healthcare, government, and utility debt. They provide skip tracing services as part of the collections process and as a standalone company, meaning that firms can use their skip tracing services without using Harris and Harris to actually collect money. According to their website, they even claim to keep a list of affiliate attorneys who will file lawsuits against customers.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
As of April 2017, the Better Business Bureau reported 104 closed Harris & Harris complaints over the previous three years, including 30 closed H&H complaints over the previous 12 months. The BBB gave H&H A+ rating. Additionally, Justia listed 16 complaints filed in federal court in the previous year alleging violations of the Fair Debt Collection Practices Act, one alleging violations of the Fair Credit Reporting Act, and two alleged violations of the Telephone Consumer Protection Act. Moreover, the Consumer Financial Protection Bureau (CFPB) listed 93 closed complaints in 2016.
Harris & Harris, Ltd.
111 W Jackson Blvd, Suite 400
Chicago, IL 60604
Phone Number: 800-362-0097
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Harris and Harris would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgment. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a Sample Case Filed in Federal Court:
In 2017, a judge in U.S. District Court, Northern District of Illinois, denied H&H’s motion to dismiss Cuenca vs. Harris & Harris for alleged violations of the Fair Debt Collection Practices Act. According to the judge’s decision, the customer alleged that H&H had sent her a letter regarding medical bills that said, in part, “If this debt isn’t paid, our customer(s) may exercise their respective choices to enforce collection. At this time, the decision remains yours … please respond accordingly.” She thought the lender was going to sue her, even though it does not sue customers for medical debts. The judge rejected Harris & Harris’ argument that the wording was not a threat of a lawsuit, stating that the legal standard was whether or not the “least sophisticated” consumer would interpret it as a threat. The judge ruled that the customer had a plausible claim, and allowed the lawsuit to proceed.
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Consumers have reported this agency harassing them from the following numbers:
Can I sue H&H for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
- You are receiving multiple calls per week from third party collection agencies.
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your family, friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
What Our Clients Are Saying
“I never thought I’d finally be free of the nonstop phone calls and letters in the mail, but I finally am free. You went to work straight away, and I saw results fairly quickly. I felt like you really cared about getting me the relief I longed for. I can not thank you enough.”
“When I first emailed the office, I was not exactly sure what they could do for me. I had an idea, but they responded back with what I could expect to take place. I never believed I would be receiving a check, it was definitely a silver lining. They always had great communication. I highly recommend them to anyone seeking consumer legal services.”
“A belated thanks for your company. I still get an occasional call but when I ask them to stop, they stop. Hopefully, sometime in the future, all of the collection agencies will close down. The peace from the constant calls is refreshing.”
“Prior to contacting you, we had tried repeatedly to handle this matter without threatening litigation. In the end, not only were they unapologetic, but they were dismissive – even of an attorney friend who called on our behalf. Sincerest thanks for resolving this matter for us!”
The brief answer is yes. We can help. Call us today.
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