London, Reese & Thomas

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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 stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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London, Reese & Thomas, Inc. Contact Information

Address:

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?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

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

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with London, Reese & Thomas, Inc.

Debt collectors must follow state and federal laws. For example, the FDCPA prohibits a debt collection agency from using abusive, unfair, or deceptive practices and ensures your rights are protected:

  • 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • London, Reese & Thomas cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • London, Reese & Thomas must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • London, Reese & Thomas cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove London, Reese & Thomas From Your Credit Report Today!

Credit Saint can help you dispute London, Reese & Thomas collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

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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.