If you’ve seen Todd, Bremer & Lawson on your credit report, you’re likely dealing with a collection account related to student debt. A collection can lower your credit score for up to seven years—but there are ways to handle it and possibly get it removed.
Who Is Todd, Bremer & Lawson?
Todd, Bremer & Lawson, Inc. is a debt collection agency based in Rock Hill, South Carolina. They focus on recovering past-due education-related debts and often report those accounts to the credit bureaus.
If their name appears on your credit report, it usually means an unpaid student loan, tuition bill, or other education debt was sent to them for collection.
Who Does Todd, Bremer & Lawson Collect For?
Todd, Bremer & Lawson primarily works with:
- Colleges and universities
- Student loan lenders
- Educational institutions handling unpaid tuition or fees
If you have outstanding education-related debt, the original creditor may have hired Todd, Bremer & Lawson to collect the balance.
Is Todd, Bremer & Lawson Legitimate?
Yes, Todd, Bremer & Lawson is a real debt collection agency. They are legally authorized to collect debts for educational institutions. However, you should always confirm that any debt they claim you owe is valid before making a payment.
How to Remove Todd, Bremer & Lawson From Your Credit Report
A collection account can significantly damage your credit score, so addressing it quickly is important. Here are common ways to get it removed:
- Dispute inaccuracies: If any details—such as the balance, dates, or ownership—are incorrect, you can file a dispute with the credit bureaus. They must investigate and correct any errors.
- Request debt validation: You have the right to ask Todd, Bremer & Lawson to prove the debt is yours and that the amount is accurate. If they can’t validate the debt, they must stop collection efforts and remove the account from your credit report.
- Negotiate a pay-for-delete: Sometimes, you can offer a payment in exchange for having the account removed from your credit report. Always get the agreement in writing before sending money.
- Work with a credit repair company: Credit repair professionals help consumers challenge inaccurate collections and may improve your chances of removal.
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Should You Contact or Pay Todd, Bremer & Lawson?
Before contacting or paying any collection agency, confirm the debt is valid and accurately reported. Credit reports can contain outdated or incorrect information. Making a payment can also restart the statute of limitations, which might give the collector more time to take legal action.
If you’re unsure how to handle the situation, working with a trusted credit repair company can help protect your credit and handle the process more effectively.
Can Todd, Bremer & Lawson Sue You or Garnish Your Wages?
Debt collectors like Todd, Bremer & Lawson can sue you to recover unpaid debts. If they win in court, they may be able to:
- Garnish your wages
- Withdraw funds from your bank account
- Place a lien on your property (depending on your state’s laws)
Not every collection leads to a lawsuit. Most agencies try to settle debts through phone calls, letters, or payment plans before considering legal action.
Todd, Bremer & Lawson Complaints
Many collection agencies have complaints filed with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common complaints include:
- Inaccurate information reported to credit bureaus
- Harassment or excessive phone calls
- Failure to properly validate debts
If you believe your rights are being violated, you can file a complaint with the CFPB or your state attorney general.
Your Rights When Dealing With Todd, Bremer & Lawson
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect your rights when dealing with debt collectors like Todd, Bremer & Lawson.
They cannot:
- Report false or incomplete information about you
- Harass, threaten, or use abusive language
- Call excessively or at unreasonable hours
- Misrepresent who they are or their intentions
- Threaten arrest or jail for unpaid debts
You have the right to:
- Request written debt validation within 30 days of first contact
- Dispute inaccurate information on your credit report
- Be treated fairly and respectfully
Knowing your rights helps you handle collection accounts with more confidence.
Todd, Bremer & Lawson Contact Information
Here’s how to reach them if you choose to communicate:
Todd, Bremer & Lawson, Inc.
560 S Herlong Ave
Rock Hill, SC 29732
Mailing Address:
P.O. Box 36788
Rock Hill, SC 29732-0512
Phone: (877) 427-6544
Always keep written records of any communication with debt collectors, and avoid making verbal agreements without written confirmation.
Remove Todd, Bremer & Lawson From Your Credit Report Today
If dealing with collections feels overwhelming, a credit repair service can help. Credit Saint has over 15 years of experience helping clients challenge inaccurate collections, errors, and other negative marks on their credit reports. They even offer a 90-day money-back guarantee for peace of mind.
Getting expert help can make the process easier and help you work toward a better credit score.
Visit their website or call (855) 281-1510 to get started.
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.
