How to Remove Cawley & Bergmann From Your Credit Report

If you’ve spotted Cawley & Bergmann on your credit report, it likely means a debt has been sent to collections. Collection accounts can lower your credit score and stay on your report for up to seven years if left unresolved.

Here’s everything you need to know about Cawley & Bergmann and how to work toward removing their account from your credit report.

Who Is Cawley & Bergmann?

Cawley & Bergmann, LLC is a debt collection agency based in Newark, New Jersey. They work on behalf of creditors to collect unpaid consumer debts.

If your account has been turned over to them, you may see their name listed on your credit report as a collection account.

Who Does Cawley & Bergmann Collect For?

Cawley & Bergmann focuses on recovering delinquent consumer debts. Their clients are often debt buyers—companies that purchase unpaid debts from original creditors at a discount.

Once a debt buyer owns the account, they may hire agencies like Cawley & Bergmann to pursue collection efforts.

Is Cawley & Bergmann Legitimate?

Yes, Cawley & Bergmann is a real debt collection agency. They are licensed to collect debts on behalf of their clients. Even so, you should never assume a collection account is valid without verifying the details.

Mistakes happen, and not every collection notice reflects an accurate debt.

How to Remove Cawley & Bergmann From Your Credit Report

A collection account from Cawley & Bergmann can damage your credit, but there are ways to deal with it:

• Dispute Inaccuracies: Review your credit report carefully. If the account is incorrect or doesn’t belong to you, dispute it with the credit bureaus.
• Request Debt Validation: You have the right to ask Cawley & Bergmann for proof that the debt is yours and the balance is correct. They must provide written verification if you request it.
• Negotiate a Pay-for-Delete: If the debt is valid, you can try negotiating a pay-for-delete agreement. This means offering payment in exchange for the account being removed from your credit report. Always get the terms in writing before sending money.
• Consider Professional Help: Many people work with credit repair companies that specialize in challenging negative items, including collections.

Should You Contact or Pay Cawley & Bergmann?

Before contacting Cawley & Bergmann, confirm that the debt is legitimate and reported correctly. Sometimes debts are outdated, inaccurate, or beyond the statute of limitations.

Also, be aware that making a payment can reset the clock on certain debts, which may impact your credit.

For many people, working with a credit repair service offers peace of mind. These companies help remove millions of negative items from credit reports every year.

Can Cawley & Bergmann Sue You or Garnish Your Wages?

Cawley & Bergmann has the legal option to sue for unpaid debts. If they file a lawsuit and win, they could get a judgment that allows wage garnishment or other collection actions, depending on your state’s laws.

That said, lawsuits are usually a last resort. Most collection agencies prefer to work out a settlement or payment plan without going to court.

Cawley & Bergmann Contact Information

Here’s how to contact Cawley & Bergmann:

Address:
Cawley & Bergmann
550 Broad Street, Suite 1001
Newark, NJ 07102

Phone: (855) 650-0323

Complaints About Cawley & Bergmann

Many debt collectors, including Cawley & Bergmann, have complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:

• Inaccurate information on credit reports
• Failure to verify debts
• Harassment or aggressive collection tactics

If you’re being harassed or believe your rights have been violated, you can file a complaint with the CFPB or BBB.

Your Rights When Dealing With Cawley & Bergmann

You have strong consumer protections under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Here’s what Cawley & Bergmann cannot legally do:

• Report false or incomplete information on your credit report
• Harass you with excessive calls, threats, or offensive language
• Misrepresent who they are or the reason for their contact
• Threaten to have you arrested for unpaid debts

You also have the right to request written proof of the debt. Once requested, Cawley & Bergmann must provide verification within 30 days.

Get Help Removing Cawley & Bergmann From Your Credit Report

If dealing with Cawley & Bergmann feels overwhelming, expert help is available. Credit Saint has over 15 years of experience helping people dispute collections and improve their credit. They even offer a 90-day money-back guarantee for added peace of mind.

To learn more, visit their website or call (855) 281-1510.