Have you received a call from Harris and Harris Limited, a debt collection agency? You’re not alone. Many people are contacted by Harris and Harris about alleged debts, leading some to wonder, “Is Harris and Harris legit?” This blog post dives deep into Harris and Harris, exploring their legitimacy, common concerns, and how to handle them effectively.
Is Harris and Harris a Legitimate Debt Collector?
Yes, Harris and Harris Limited is a legitimate debt collection agency founded in 1968. They are headquartered in Chicago, Illinois, and specialize in collecting various consumer debts, including healthcare, government, and utility bills. Harris and Harris is accredited by the Better Business Bureau (BBB) with an A+ rating. However, it’s important to note that a good BBB rating doesn’t guarantee a positive consumer experience.
Should You Be Wary of Harris and Harris?
While Harris and Harris is a legitimate company, there are reasons to be cautious, particularly regarding their collection practices. Here’s a closer look at some red flags:
- Harris and Harris Reviews and Complaints: The BBB profile for Harris and Harris Limited reveals a concerning pattern. Despite the A+ rating, the agency has received numerous complaints over the past three years. Many consumers report issues with:
- Aggressive collection tactics: These include excessive phone calls, even outside permitted hours, and using threatening or harassing language.
- Inaccurate debt information: Some complain about being contacted for debts they don’t recognize or believe they don’t owe.
- Difficulties communicating with representatives: Getting a hold of a helpful representative and resolving issues can be challenging.
Is Harris and Harris Calling You About a Scam?
While Harris and Harris is a legitimate company, there’s always the possibility of a scam. Here are some signs to watch out for:
- Pressure to pay immediately: Legitimate debt collectors will give you time to understand the debt and discuss payment options.
- Requests for upfront payment: Never send money through wire transfer, prepaid debit cards, or gift cards to pay off a debt. These are common tactics used by scammers.
- Threats of arrest or legal action: Debt collectors cannot threaten you with jail time.
Who Does Harris and Harris Collect For (312-460-3948)?
The phone number you provided (312-460-3948) is likely associated with Harris and Harris. They collect debts on behalf of various creditors, including:
- Healthcare providers
- Utility companies
- Government agencies
- Credit card companies (though less common)
Why is Harris and Harris Calling You?
There are several reasons why Harris and Harris might be contacting you:
- You have an outstanding debt: They may be attempting to collect an unpaid bill that has been referred to them by a creditor.
- Incorrect information: There could be a mistake in their records, and you don’t actually owe the debt.
How to Deal with Harris and Harris
If you’re contacted by Harris and Harris, here’s how to handle the situation:
- Verify the Debt: Don’t admit owing the debt or agree to any payment plan until you understand the details. Ask for written verification of the debt, including the original creditor, amount owed, and breakdown of charges.
- Know Your Rights: The Fair Debt Collection Practices Act (FDCPA) protects consumers from abusive collection practices. Learn about your rights under the FDCPA at the Federal Trade Commission website https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text.
- Communicate in Writing: Request all communication from Harris and Harris to be done in writing via mail. This creates a paper trail and protects you from potential miscommunication.
- Dispute the Debt (if applicable): If you believe the debt is inaccurate, file a dispute letter within 30 days of receiving the debt validation notice.
- Negotiate a Payment Plan (if applicable): Once you’ve verified the debt, consider negotiating a payment plan that fits your budget.
If You’re Being Harassed by Harris and Harris
If Harris and Harris is using harassing tactics, such as making excessive calls, threatening you, or using abusive language, report them to the Federal Trade Commission (FTC) at https://www.ftc.gov/media/71268.
Exploring Alternatives and Finding Help
- Debt Consolidation: Consider consolidating your debts into a single loan with a lower interest rate. This can simplify your payments and potentially save you money. However, explore all options carefully and avoid predatory lending practices.
- Credit Counseling: Non-profit credit counseling agencies can provide free or low-cost financial advice and help you develop a debt management plan. The National Foundation for Credit Counseling (NFCC) is a great resource to find a reputable agency: https://www.nfcc.org/
- Debt Settlement: Debt settlement companies negotiate with creditors to reduce your outstanding debt for a lump sum payment. While this might seem appealing, it can have negative consequences for your credit score. Thoroughly research this option before proceeding.
Additional Resources
- Consumer Financial Protection Bureau (CFPB): https://www.consumerfinance.gov/
- Your State Attorney General’s Office: Many state attorney general offices have resources and consumer protection divisions that can assist with debt collection issues.
Conclusion
Harris and Harris Limited is a legitimate debt collection agency. However, numerous consumer complaints raise concerns about their collection practices. If you’re contacted by Harris and Harris, remain calm, understand your rights, and don’t hesitate to seek help from reputable resources. Remember, you have options when dealing with debt, and you don’t have to navigate this process alone.