Who is London, Reese & Thomas?
London, Reese & Thomas, Inc. (LR&T) is a debt collection agency based in Margate, Florida. They are known for their involvement in recovering unpaid debts for their clients.
You may see LR&T listed on your credit report as a collections account, which can occur if you have an outstanding bill that you have not paid.
Who does London, Reese & Thomas collect for?
London, Reese & Thomas focuses on business-to-business collections, meaning they primarily collect debts for businesses that are owed money by other businesses. They specialize in the recovery of large, uncollected debts.
Is London, Reese & Thomas legit or a scam?
London, Reese & Thomas is a legitimate company. While they are a genuine debt collection agency, they may engage in persistent contact attempts, such as spam calls, texts, or emails, to collect outstanding debts.
How can I remove London, Reese & Thomas 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?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with 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.
London, Reese & Thomas, Inc. Contact Information
London, Reese & Thomas, Inc.
1100 S State Road 7 Ste 202
Margate, FL 33068-4033
Phone number: (954) 906-5565
Should I contact or pay London, Reese & Thomas?
It’s best to avoid speaking to a 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 London, Reese & Thomas is to work with a credit repair professional. They help remove millions of negative items every year from companies like London, Reese & Thomas on behalf of their clients.
Will London, Reese & Thomas sue me or garnish my wages?
As a debt collection agency, London, Reese & Thomas is legally entitled to sue you to collect the debt. If the lawsuit is successful and you still do not pay the debt, they could potentially seek a court order to garnish your wages, depending on the laws in your state.
However, before it reaches that stage, you would receive multiple notices about the debt and have an opportunity to pay it or to dispute it if you believe it is not valid.
London, Reese & Thomas, Inc. 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 London, Reese & Thomas, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collection agency 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 London, Reese & Thomas 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.
- London, Reese & Thomas may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- London, Reese & Thomas 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.
- London, Reese & Thomas cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove London, Reese & Thomas From Your Credit Report Today!
Lexington Law can assist you in disputing London, Reese & Thomas collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
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