Who is Cawley & Bergmann?
Cawley & Bergmann, LLC is a debt collection agency with its main office located in Newark, New Jersey. Their role is to collect outstanding debts on behalf of their clients.
If you have an unpaid bill that has been sent to collections, the company to which you originally owed money may have contracted them to collect the debt. If this happens, you might see them listed on your credit report as a collections account.
Who does Cawley & Bergmann collect for?
Cawley & Bergmann focuses on the collection of delinquent consumer debt. This debt is typically purchased by their clients, which can include various companies and organizations from different sectors.
When a company has difficulty collecting payments from consumers, they often sell these debts to debt buying companies. These debt buyers then contract with collection agencies like Cawley & Bergmann to recoup the debt.
Is Cawley & Bergmann legit or a scam?
Despite the aggressive tactics that some debt collection agencies may employ, Cawley & Bergmann is a legitimate company. Their methods of operation, which may include repeated calls, text messages, or emails, are intended to prompt debtors to pay what they owe.
How can I remove Cawley & Bergmann 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.)
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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.
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Cawley & Bergmann Contact Information
Cawley & Bergmann
550 Broad Street, Suite 1001
Newark, NJ 07102
Phone number: (855) 650-0323
Should I contact or pay Cawley & Bergmann?
Nothing good can come from 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. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Cawley & Bergmann is to work with a credit repair professional. They help remove millions of negative items every year from companies like Cawley & Bergmann on behalf of their clients.
Will Cawley & Bergmann sue me or garnish my wages?
Like any debt collection agency, Cawley & Bergmann has the legal capacity to sue for unpaid debts. If they win this lawsuit, a judgment can be issued that permits them to garnish your wages as a method to collect the outstanding debt. However, it’s crucial to remember that the jurisdiction you’re in can significantly impact this process, as laws vary from state to state.
Keep in mind that the path from lawsuit to wage garnishment can be long, complex, and costly for the collection agency. As such, many debt collectors, may opt for less arduous methods to recover the debt.
Cawley & Bergmann 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 Cawley & Bergmann
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 Cawley & Bergmann 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.
- Cawley & Bergmann may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Cawley & Bergmann 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.
- Cawley & Bergmann cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Cawley & Bergmann From Your Credit Report Today!
Credit Saint can assist you in disputing Cawley & Bergmann collection 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.
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