Who is Brown & Joseph?
Brown & Joseph, Ltd. is a debt collection agency located in Itasca, Illinois. They work with businesses who are owed money by their clients, providing a range of services including pre-collection, third-party collections, and international collections.
If you see Brown & Joseph on your credit report, it generally indicates that you have a delinquent account that the company is attempting to collect.
Who does Brown & Joseph collect for?
Brown & Joseph collects primarily for businesses rather than individual consumers. Their area of expertise lies in B2B (business-to-business) debt recovery and accounts receivable management. They have a wide range of clients from different industries, most notably the insurance, logistics, and telecommunications sectors.
Is Brown & Joseph legit or a scam?
Brown & Joseph is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Brown & Joseph from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Brown & Joseph, LLC Contact Information
Address:
Brown & Joseph, LLC
One Pierce Place Ste 700W
Itasca, IL 60143
Phone number: (847) 758-3000
Should I contact or pay Brown & Joseph?
It’s best to avoid speaking to a debt collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it.
The most effective way to deal with Brown & Joseph is to work with a credit repair professional. They help remove millions of negative items every year from companies like Brown & Joseph on behalf of their clients.
Will Brown & Joseph sue me or garnish my wages?
Brown & Joseph, as a debt collection agency, does have the legal right to sue you in an attempt to collect the debt you owe. However, this is typically seen as a last resort. Their primary objective is to work out a payment plan or settlement to help you repay your debt.
As for wage garnishment, if they do decide to sue you and if they win the case, one of the ways they may be able to collect the debt is by garnishing your wages.
Brown & Joseph Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Brown & Joseph, LLC
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Brown & Joseph to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Brown & Joseph cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Brown & Joseph must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Brown & Joseph cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Brown & Joseph From Your Credit Report Today!
Credit Saint offers assistance with disputing Brown & Joseph accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
