Harris and Harris


Is Harris and Harris hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Harris & Harris, Ltd.?

Harris & Harris, Ltd. is a debt collection agency located in Chicago, Illinois. You may see Harris and Harris listed on your credit report as a collections account.

Harris and Harris may appear on your credit report as any of the following entries:

  • harris & harris ltd
  • harris and harris chicago
  • harris and harris debt collectors
  • harris collection
  • harris harris
  • harris ltd

Who does Harris & Harris Collect for?

Harris & Harris, Ltd. is known for their work in various industries. They collect debts for healthcare providers, which could include unpaid medical bills. They work with government officials, which may involve fines, taxes, or other types of public debt. In addition, they collect debts for utility companies, which could involve unpaid bills for services like electricity, gas, water, or telecommunications.

Is Harris & Harris legit or a scam?

Harris & Harris is a legitimate collection agency. They’ve been in business since 1968, and 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 Harris and Harris 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.

Harris and Harris, Ltd. Contact Information


Harris and Harris, Ltd.
111 W. Jackson Blvd, Ste 400
Chicago, IL 60604

Phone number: (800) 362-0097

Should I contact or pay Harris and Harris?

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 Harris and Harris is to work with a credit repair professional. They help remove millions of negative items every year from companies like Harris and Harris on behalf of their clients.

Will Harris and Harris sue me or garnish my wages?

Harris & Harris, Ltd. has the legal right to sue you to collect the debt. If they win the lawsuit, they could potentially receive a judgment from the court that could allow them to garnish your wages or take other actions to collect the debt.

However, it’s important to remember that not all debt collection agencies or creditors will choose to take this step. Lawsuits can be expensive and time-consuming, so many creditors and collection agencies prefer to avoid them if possible. Instead, they may try to work out a payment plan with you or take other steps to encourage you to pay the debt.

Harris and Harris Complaints

Most debt 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 you find yourself facing any of these situations with Harris & Harris, Ltd., you should also 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 Harris & Harris, Ltd.

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency 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 Harris & Harris, Ltd. 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.
  • Harris & Harris may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Harris & Harris 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.
  • Harris & Harris cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Harris & Harris From Your Credit Report Today!

Credit Saint can assist you in disputing Harris & Harris 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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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.