Todd, Bremer & Lawson, Inc. collects exclusively for colleges and universities from their Rock Hill, South Carolina headquarters, handling Perkins Loans, institutional loans, unpaid tuition, and other campus-based balances.
Documented CFPB complaints include threatening a consumer with arrest for unpaid student debt, sending a letter with abusive language demanding full payment within 48 hours, and disclosing loan details to a third party without confirming who was on the phone. This guide covers who they are and how to respond.
Who Is Todd, Bremer & Lawson?
Todd, Bremer & Lawson, Inc. is an education-only debt collection agency with three regional sales offices beyond their Rock Hill headquarters. The BBB has accredited them since August 2006 and records 8 complaints.
Staff are trained specifically on federal campus-based loan programs and hold American Collectors Association certification. South Carolina has a 3-year statute of limitations on written contracts.
Not sure where to start with your credit?
Answer a few simple questions and get a free step-by-step plan to rebuild your credit.
The 48-Hour Demand Letter
A documented CFPB complaint describes a Todd, Bremer & Lawson collection letter that read: “your utter lack of cooperation has convinced us that the extra consideration extended in your behalf is unappreciated. Frankly, we doubt that you deserve further consideration and insist that you pay your balance in full within 48 hours.”
FDCPA Section 1692d prohibits language that is abusive, oppressive, or intended to harass. A letter characterizing a consumer as undeserving and demanding full payment within 48 hours using this tone is a documented TBL complaint worth preserving if you receive similar correspondence.
Threatening Arrest for Unpaid Student Debt
A documented CFPB complaint describes TBL threatening a consumer with arrest or jail for failing to pay a student debt. FDCPA Section 1692e(4) explicitly prohibits threatening arrest or imprisonment for an unpaid consumer debt.
No consumer can be arrested for failing to pay a student loan or tuition balance. If TBL has made any statement suggesting arrest is possible, document it immediately.
Disclosing Debt Information to Third Parties
A documented CFPB complaint describes a TBL representative who called, verified only the consumer’s address, and then disclosed that the call was about a school loan without first confirming they were speaking to the correct person.
FDCPA Section 1692b permits contacting third parties only to obtain location information and prohibits disclosing that the consumer owes a debt. Disclosing that a call involves a school loan to someone who has not been confirmed as the account holder is a documented TBL violation pattern.
Collecting on a Canceled Registration
A documented CFPB complaint describes a consumer who registered for an online course and then canceled before the drop deadline. TBL subsequently attempted to collect on the tuition balance.
If TBL is collecting a tuition balance for a course you dropped or withdrew from within the school’s published deadline, request the school’s official withdrawal confirmation and compare it against the date TBL claims the debt was incurred before paying anything.
Surety Bond and State Licensing
A documented CFPB complaint describes TBL attempting to collect in Texas without holding a current surety bond registered in that state, as required by Texas law. The consumer sent a certified validation request and received no response.
If you reside outside South Carolina, confirm that TBL holds the required collection license and surety bond in your state before responding to any demand.
What TBL Cannot Do Under Federal Law
- Threaten arrest for unpaid student debt: A documented CFPB complaint. FDCPA Section 1692e(4) prohibits this outright.
- Send letters with abusive or harassing language: The 48-hour demand letter is a documented complaint. FDCPA Section 1692d prohibits oppressive language.
- Disclose debt details to unconfirmed third parties: A documented CFPB complaint. FDCPA Section 1692b limits what can be said to third parties.
- Collect in states where they are not properly bonded or licensed: A documented CFPB complaint specific to Texas.
- Fail to respond to a written validation request: A documented complaint pattern. FDCPA Section 1692g requires verification before collection resumes.
Verify the Debt Before Paying Anything
Send a written validation request by certified mail within 30 days of first contact. Request the original institution’s name, the specific account type (Perkins Loan, institutional loan, tuition balance), the date the debt was incurred, and confirmation that TBL holds the required collection license and surety bond in your state.
For any tuition balance, request the school’s enrollment and withdrawal records and compare them against what TBL claims is owed.
How to Find TBL on Your Credit Report
Check your credit reports for “Todd Bremer Lawson” and “TBL.” Confirm the original educational institution is identified and the account type is specified. If the entry involves a Perkins Loan, note that the program was discontinued for new loans after September 2017, meaning any Perkins account is now several years old.
Your Options Before Paying or Responding
- Request withdrawal or drop records for any tuition dispute: The documented canceled-registration complaint shows TBL collecting on accounts consumers say were properly withdrawn. School records are the definitive evidence.
- Confirm state licensing before engaging: The documented Texas surety bond complaint shows TBL has collected without proper state authorization. Verify their licensing status in your state.
- Document any arrest threat or abusive letter immediately: Both are specific documented TBL complaint patterns and both are actionable FDCPA violations.
- File with the South Carolina AG in addition to CFPB: The South Carolina Department of Consumer Affairs handles debt collection complaints at (803) 734-4200.
Ready to take action on your credit?
Get your personalized plan in 30 seconds. Free, no credit check.
How to Contact Todd, Bremer & Lawson
- Address: Todd, Bremer & Lawson, Inc., 560 S Herlong Avenue, Rock Hill, SC 29732
- Mailing address: P.O. Box 36788, Rock Hill, SC 29732
- Phone: (877) 427-6544
Bottom Line
Todd, Bremer & Lawson collects exclusively for colleges and universities. Their documented CFPB complaint record includes threatening arrest for student debt, sending a letter with abusive language demanding payment in 48 hours, disclosing loan details to unconfirmed third parties, and collecting in states where they lacked proper bonding.
Any arrest threat or abusive letter from TBL should be documented and reported to the CFPB immediately. For any tuition dispute, pull the school’s official withdrawal records before paying or responding to anything TBL claims.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.