Brown & Joseph

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Is Brown & Joseph hurting your credit score?

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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?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

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

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Brown & Joseph, LLC

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Brown & Joseph may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Brown & Joseph must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Brown & Joseph cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Brown & Joseph From Your Credit Report Today!

Credit Saint can assist you in disputing Brown & Joseph accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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