Bryant, Hodge & Associates on Your Credit Report: What to Know

Bryant, Hodge & Associates, LLC is a Rochester, New Hampshire debt buyer and collection agency that purchases delinquent debts and collects on them under the names Bryant, Hodge & Associates and BHA Services.

Documented CFPB complaints include collecting on a debt a consumer proved was discharged in bankruptcy, a representative claiming to have obtained the consumer’s Social Security number from their employer, and sending spoofed text messages without identifying as a debt collector.

The agency is not BBB-accredited and holds a 1.3-star consumer rating on Birdeye.

Who Is Bryant, Hodge & Associates, LLC?

Bryant, Hodge & Associates, LLC is a debt buyer and third-party collection agency headquartered at 8 N. Main St. in Rochester, New Hampshire and also operating under the name BHA Services. The agency is not BBB-accredited.

Bryant, Hodge & Associates purchases charged-off consumer debt from original creditors and then collects on those purchased accounts. As a debt buyer, the agency must maintain a complete chain of ownership documentation from the original creditor to establish its right to collect or report any account.

Who Does Bryant, Hodge & Associates Collect?

Bryant, Hodge & Associates purchases and collects across consumer debt categories. Confirmed debt types from CFPB complaint documentation include:

• Credit card and personal loan debt: Documented CFPB complaints reference credit accounts placed with Bryant, Hodge & Associates after charge-off.
• Arbitration judgment debt: A documented CFPB complaint describes Bryant, Hodge & Associates collecting on an arbitration judgment it claimed was issued separately from the underlying debt’s bankruptcy discharge.
• Debts past the seven-year reporting window: Documented consumer complaints describe Bryant, Hodge & Associates pursuing and reporting debts more than seven years past the date of first delinquency.

Documented CFPB Complaint Patterns

CFPB records surface specific recurring issues tied to Bryant, Hodge & Associates’ collection conduct.

• Collecting on bankruptcy-discharged debt while acknowledging the discharge: A documented complaint describes a consumer who provided the bankruptcy file number, had the representative confirm the discharge, and still had the representative continue collection — claiming a separate arbitration judgment.
• Claiming to have obtained the consumer’s SSN from their employer: A documented complaint describes a representative claiming to possess the consumer’s Social Security number obtained from their employer, then being described as belligerent and abusive.
• Refusing to send written notice by mail: A documented complaint describes a representative claiming the agency was not legally required to send written notice via USPS, which is incorrect under FDCPA Section 1692g.
• Sending spoofed text messages without identifying as a debt collector: A documented complaint describes texts framed as messages from a friend asking the consumer to call back, with no debt collector identification.
• Pursuing debts past the seven-year reporting window: Multiple consumer reviews describe Bryant, Hodge & Associates collecting on accounts more than seven years past the original date of first delinquency.

What Bryant, Hodge & Associates Cannot Do Under Federal Law

• Collect on bankruptcy-discharged debt: The federal discharge injunction prohibits all collection on discharged debts. If Bryant, Hodge & Associates claims to be collecting on an arbitration judgment related to a discharged debt, that judgment’s validity requires careful scrutiny before any acknowledgment.
• Claim to have obtained personal information from an employer: FDCPA Section 1692b limits third-party contact to locating the consumer. Claiming an employer provided personal details as a pressure tactic may be a false representation under Section 1692e.
• Refuse to send written notice: FDCPA Section 1692g requires a written validation notice within five days of initial contact. Claiming this is not required is a misrepresentation of the law.
• Send text messages without identifying as a debt collector: Every communication including texts must identify the sender as a debt collector under Section 1692e(11).
• Report debts past the seven-year credit reporting window: The FCRA prohibits reporting any debt more than seven years from the original date of first delinquency.

New Hampshire Consumer Protections

New Hampshire residents have additional state-level protections under the New Hampshire Consumer Protection Act, which provides enforcement channels through the New Hampshire Attorney General’s Consumer Protection and Antitrust Bureau. File complaints with the NH AG alongside any CFPB complaint.

Verify Before Paying Bryant, Hodge & Associates

Send a certified validation letter demanding the original creditor’s name and account number, the complete chain of assignment, the original date of first delinquency, an itemized balance, and confirmation the debt was not discharged in bankruptcy.

If Bryant, Hodge & Associates claims to be collecting on an arbitration judgment related to a discharged debt, demand the full arbitration documentation and written proof the judgment is independent of the discharged obligation.

How to Check Your Credit Report

Pull all three reports at AnnualCreditReport.com and look for Bryant, Hodge & Associates, BHA Services, or BHA as the furnisher. Confirm the original creditor, balance, and date of first delinquency.

If the date of first delinquency is more than seven years in the past, dispute that entry with all three bureaus immediately as an FCRA reporting window violation.

How Long Can Bryant, Hodge & Associates Legally Pursue the Debt?

New Hampshire allows three years on most open accounts and six years on most written contracts. The state where the original account was opened may control the statute.

Your Options for Resolving the Account

• Demand the complete chain of assignment: Bryant, Hodge & Associates must document every transfer from the original creditor. Incomplete chains undermine its legal standing to collect or report.
• Dispute any entry past the seven-year window immediately: If the original date of first delinquency predates the seven-year reporting window, dispute with all three bureaus citing FCRA Section 605.
• If Bryant, Hodge & Associates acknowledged a bankruptcy discharge but continued collecting, contact a consumer or bankruptcy attorney: This may be a contempt matter for the bankruptcy court.
• File a CFPB complaint for text messages without debt collector identification: Document the exact text and phone number and file a CFPB complaint citing Section 1692e(11).
• File an NH AG complaint: The New Hampshire Consumer Protection Act provides state enforcement authority alongside CFPB.

How to Contact Bryant, Hodge & Associates

Handle all communication in writing. Send disputes by certified mail with return receipt requested:

• Address: Bryant, Hodge & Associates, LLC, 8 N. Main St., Rochester, NH 03867
• Phone: (800) 784-6132 or (888) 675-4485

Bottom Line

Bryant, Hodge & Associates is a New Hampshire debt buyer with documented CFPB complaints for collecting on bankruptcy-discharged debt while acknowledging the discharge, claiming to have obtained Social Security numbers from employers, and sending spoofed text messages without identifying as a debt collector.

If Bryant, Hodge & Associates acknowledged your bankruptcy discharge and continued collecting, contact a consumer or bankruptcy attorney. If the agency sent a text without identifying as a debt collector, document it and file a CFPB complaint.

If a Bryant, Hodge & Associates account is on your credit file, the right move depends on whether the chain of assignment is complete, whether any bankruptcy discharge applies, and whether the date of first delinquency is within the seven-year reporting window.