If Blitt and Gaines, P.C. is showing up on your credit report, it likely means you have an unpaid debt they’re trying to collect. That entry can drag down your credit score—and stay there for up to seven years if you don’t take action. Here’s how to handle it.
Who Is Blitt and Gaines, P.C.?
Blitt and Gaines, P.C. is a debt collection law firm based in Vernon Hills, Illinois, with additional offices in Indiana, Iowa, Kansas, Missouri, and Wisconsin. They collect both consumer and commercial debts on behalf of their clients.
If they’ve contacted you—or if you see them listed on your credit report—it means they’re trying to collect on a past-due bill. This could stem from anything from credit card debt to a medical bill.
Who Do They Collect For?
Blitt & Gaines works across multiple industries, including:
- Credit cards and personal loans
- Medical bills from hospitals and clinics
- Utility and telecom accounts
- Student loans
- Business services and commercial debts
Are They a Legitimate Company?
Yes, Blitt and Gaines is a real law firm and collection agency. They are legally authorized to collect debts—but that doesn’t mean the debt they’re pursuing is valid. Always verify any claim before agreeing to pay.
How to Remove Blitt and Gaines From Your Credit Report
Collections can hurt your credit for years, but there are ways to get them removed:
- Dispute any errors – If the debt is incorrect, outdated, or not yours, file a dispute with the credit bureaus.
- Ask for debt validation – You have the right to request proof that the debt is real and that they have the authority to collect it.
- Negotiate a pay-for-delete – Some collectors will agree to remove the entry from your report if you pay the debt.
- Hire a credit repair service – Professionals can help challenge inaccurate information and improve your report faster.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Blitt and Gaines?
Don’t rush to call or pay right away. First, confirm that the debt is valid and still within the statute of limitations in your state. Making a payment—even a small one—can reset the clock on how long they can pursue you legally.
If the debt is legitimate and still within the legal timeframe, consider negotiating a settlement or working through a credit repair company that knows how to handle collection agencies like Blitt & Gaines.
Can Blitt and Gaines Sue or Garnish Wages?
Yes, as a law firm, Blitt and Gaines can file a lawsuit to collect a debt. If they win the case, they could get a judgment that allows them to garnish your wages or levy your bank account—depending on your state laws.
That said, lawsuits are typically a last resort. Most agencies will try to work out a payment plan or settlement first.
If you receive a summons, don’t ignore it. Failing to respond can result in a default judgment.
Complaints Against Blitt and Gaines
Like many debt collectors, Blitt & Gaines has complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints involve:
- Inaccurate credit reporting
- Harassing phone calls
- Refusal to verify debts
If you’re experiencing any of this, you have the right to file a complaint and seek legal protection.
Know Your Rights Under Federal Law
You’re protected by the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These laws give you important rights:
- You can dispute inaccurate or incomplete credit reporting.
- You have the right to request written validation of the debt.
- Collectors can’t threaten, harass, or deceive you.
- They must clearly state who they are and that they’re attempting to collect a debt.
- They cannot threaten arrest or legal action they don’t intend to take.
Blitt & Gaines Contact Information
Headquarters:
Blitt and Gaines, P.C.
775 Corporate Woods Parkway
Vernon Hills, IL 60061
Phone numbers:
(888) 920-0620
(847) 403-4900
Get Help Removing Blitt and Gaines From Your Credit Report
You don’t have to face collection agencies on your own. Credit Saint has helped thousands of clients remove inaccurate collection accounts and clean up their credit reports.
Your satisfaction is guaranteed. If you’re not happy with the results, they offer a 90-day money-back guarantee.
Ready to take control of your credit? Call (855) 281-1510 or visit their website to schedule your free consultation.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
