Faber and Brand on Your Credit Report: What to Know

Faber and Brand, LLC has filed collection lawsuits, pursued wage garnishments, and enforced judgments across Alabama, Arizona, Arkansas, Kentucky, Missouri, Nevada, New Mexico, Oklahoma, and Virginia since 1998. Their practice covers medical debt, commercial accounts, subrogation claims for insurance carriers, and enforcement of already-existing judgments.

A December 2025 BBB complaint describes Faber and Brand attempting to garnish a consumer’s wages for a second time after already having been paid in full and issuing a refund. A separate review documents an attempt to garnish wages in Virginia despite not being licensed there. This guide covers who they are and how to respond.

Who Is Faber and Brand?

Faber and Brand, LLC is a multi-state debt collection law firm founded in 1998 and headquartered in Columbia, Missouri. They are licensed in nine states and represent banks, hospitals, debt buyers, insurance carriers, retail businesses, and commercial creditors.

Missouri has a 5-year statute of limitations on written contracts, though the relevant statute is the state where you reside.

Collecting Beyond the Statute of Limitations

A documented BBB complaint describes Faber and Brand pursuing a medical debt the consumer stated was well beyond the statute of limitations. The consumer had disputed the bill with the original hospital years earlier after an emergency room misdiagnosis caused permanent vision loss. Faber and Brand never provided documentation of the debt despite years of contact.

Collecting on time-barred debt is not automatically illegal, but threatening to sue on a time-barred debt is a specific FDCPA violation. If Faber and Brand is contacting you about a medical or other account that is older than five years, confirm the date of last payment before engaging. If any lawsuit threat is made on a time-barred account, document it immediately.

Garnishing After Full Payment

Two separate documented complaints describe payment-after-garnishment problems. In one, a consumer paid the full balance online in May 2025 and could not locate their account in Faber and Brand’s portal, creating fear of continued garnishment despite full payment.

In a December 2025 complaint, a consumer had already been garnished, paid the full remaining balance, and received a refund from Faber and Brand, only for a second garnishment attempt to follow for the same debt.

Faber and Brand acknowledged in their BBB response that the May 2025 account had been paid and that garnishment release was underway. If you pay Faber and Brand to resolve a judgment, request written confirmation of the garnishment release and satisfaction of judgment before considering the matter closed. Do not rely on the online portal as the sole record.

Attempting Garnishment in States Where Not Licensed

A documented consumer review describes Faber and Brand pursuing garnishment in Virginia despite not holding a Virginia law license. The consumer confirmed appropriate legal remedies were being pursued including a civil lawsuit and an inquiry to the American Bar Association.

Faber and Brand’s confirmed licensed states are Alabama, Arizona, Arkansas, Kentucky, Missouri, Nevada, New Mexico, Oklahoma, and Virginia. However, an individual attorney must be licensed in the specific state where any court action is filed.

If Faber and Brand has filed or threatened legal action in a state where they do not have licensed counsel, that may be a professional responsibility issue worth raising in your response.

Inaccessible Attorneys and Dismissive Representatives

A documented BBB complaint describes a consumer who could never speak directly with an attorney during a time-sensitive home sale, was placed on hold repeatedly for over 45 minutes, and was told by a representative that “it’s not my fault you don’t understand Missouri law” when seeking help. On-hold times of 45+ minutes and representatives unable to escalate to an attorney are documented patterns.

Because Faber and Brand is a law firm, collection letters they send imply attorney involvement. Under FDCPA case law, a letter sent on law firm letterhead must reflect actual attorney review of the account. If Faber and Brand cannot produce an attorney to discuss your account, that gap may be relevant to the implied-attorney-review issue.

Medical Debt and Small Dollar Lawsuits

A documented consumer review describes Faber and Brand filing a lawsuit over $350 in medical debt the consumer was never notified about before the suit was filed. Medical debt CFPB rules apply to any healthcare account: debts under $500 cannot appear on any consumer credit report, and any medical debt must wait one full year past the date of first delinquency before being reported.

If Faber and Brand is pursuing a medical account under $500 through the courts, confirm whether the underlying reporting was lawful before engaging on the lawsuit itself.

Verify the Debt and the Judgment Before Paying Anything

If Faber and Brand has contacted you before filing suit, send a written validation request by certified mail within 30 days. Request the original creditor’s name, the balance at referral, and the complete chain of assignment if the debt was purchased. If a judgment already exists, request a written accounting showing the remaining balance, interest accrued, and court costs before paying.

For any paid account, request written confirmation of garnishment release and satisfaction of judgment immediately.

Your Options Before Paying or Responding

• Respond to any lawsuit summons before the deadline in your state: Faber and Brand files suits across multiple states. Default judgments enable garnishment without further notice.
• Request written garnishment release after paying any judgment: Two documented complaints show garnishment confusion after payment. Written release and satisfaction of judgment is the only reliable confirmation.
• Confirm Faber and Brand holds a license in your state before engaging on any lawsuit: The Virginia garnishment complaint shows they have filed actions in states where their standing was challenged.
• Document any representative who makes dismissive or condescending statements: The documented “it’s not my fault you don’t understand Missouri law” comment falls within FDCPA conduct standards. Date, time, and exact language matter.

How to Contact Faber and Brand

• Address: Faber and Brand, LLC, 6750 New Town Avenue, Columbia, MO 65203
• Mailing address: P.O. Box 10110, Columbia, MO 65205
• Phone: (573) 449-3141 or (888) 233-3141

Bottom Line

Faber and Brand is an active litigation firm that files suits, enforces judgments, and pursues garnishments across nine states. Documented issues include attempting a second garnishment after a consumer had paid in full and received a refund, pursuing time-barred medical debt without providing documentation, and filing in at least one state where their licensure was challenged.

Pay only after receiving a written accounting of the full balance. After payment, request written confirmation of garnishment release before considering the matter resolved.