Harris and Harris debt collectors might try to sue you for a debt. And we know, that sounds scary. But, before even go to that part, know that you can always push back and win.
By validating the debt, disputing errors, or negotiating a settlement, you can take control of the situation. We at ASAP CREDIT REPAIR are here to make it easier to tackle these steps and protect your rights.
You might be thinking, “Why does Harris and Harris keep calling me?” Trust me, another person is thinking about that same exact thing right now.
If you’re among those dealing with persistent calls from Harris and Harris, you just landed the best article. This guide will help you understand your rights, verify the debt, and explore ways to resolve the issue effectively.
Stay tuned as we break down actionable steps to take control of the situation!
Why It’s Important to Resolve a Debt with Harris and Harris Collections
Companies hire debt collectors like Harris and Harris to recover debts from people who are behind on payments.
According to a Consumer Financial Protection Bureau (CFPB) survey, around 70 million Americans are contacted by debt collectors each year. That’s about one-third of the U.S. adult population. Many of these individuals report being contacted multiple times per week, with nearly 40% facing four or more contact attempts weekly.
Debt collection calls are not just a nuisance; they’re a significant stressor for many people. A recent survey from the New York Federal Reserve found that over 14% of people worry about missing a debt payment in the next three months. A statistic that has reached its highest level in over four years. This rising anxiety affects people across various income levels and is often linked to the growing burden of household debt, which now totals $17.3 trillion nationwide.
Americans’ frustration with debt collectors is universal. We all know how exhausting it can be: endless calls, letters that pile up in your mailbox, and the constant stress that comes with overdue debts. Harris and Harris is no exception and they’re one of the most persistent agencies in the business.
What Is Harris and Harris Collections?
Harris and Harris, Ltd. is a debt collection agency that works on behalf of creditors in industries like healthcare, utilities, government, and more.
They don’t originate the debts; instead, they’re hired to collect outstanding payments.
Here are some names they might use on your credit report or correspondence:
- Harris & Harris Limited
- Harris Harris
- Harris and Harris Ltd
- Harris Collection
- Harris and Harris Debt Collectors
Harris and Harris Contact Information
- Harris and Harris collections website: https://www.harriscollect.com/
- Harris and Harris collections website: 1-800-362-0097
- Client inquiries: 1-866-781-4538
- Address: 111 W. Jackson Blvd, Suite 400, Chicago, IL 60604
Their tactics can include phone calls, letters, and even lawsuits if they deem it necessary. But you’re not powerless here.
Is Harris and Harris a real debt collector?
Yes, Harris and Harris is a legitimate debt collection agency. They work with creditors in industries such as healthcare, utilities, government, and more to collect outstanding debts.
However, like any debt collector, they are required to adhere to the Fair Debt Collection Practices Act (FDCPA). If you are contacted by them, it’s important to verify the debt’s validity before making any payments.
Why Did Harris and Harris Text Me?
A common question we get from our credit repair clients, is why they are getting calls, emails or messages from a company they never encountered before. And we’re happy to explain why.
If Harris and Harris texted you, it’s likely because they are attempting to collect a debt on behalf of a creditor. Debt collection agencies often use text messages as part of their outreach strategy to contact individuals regarding outstanding balances. This could involve providing details about the debt, sending payment reminders, or notifying you of potential actions if the debt remains unresolved.
Under the Fair Debt Collection Practices Act (FDCPA), they are allowed to contact you via text as long as the message complies with the law.
For example, the text must not be misleading, harassing, or sent at inconvenient times. Additionally, they must include clear identification and provide a way for you to opt out of further communication.
If you receive a text from Harris and Harris:
- Verify its authenticity: Confirm that the message is actually from Harris and Harris and not a scam. Look for their contact details and cross-check them.
- Request debt validation: If you’re unsure about the debt, ask for written proof before making any payments.
- Know your rights: You can limit or stop communication by formally requesting it in writing.
Always proceed cautiously to ensure you’re not falling prey to fraudulent activities while handling the situation.
How to Confirm If the Debt Is Legitimate
Step one when dealing with any debt collector is to ensure the debt is valid. Here’s why: sometimes, collection agencies pursue debts that aren’t yours, are incorrectly calculated, or are simply too old to be enforced legally.
Verify the Debt
Request Debt Validation: Under the Fair Debt Collection Practices Act (FDCPA), you have the right to ask Harris and Harris to prove the debt is yours. Send them a Debt Validation Letter within 30 days of their first contact.
Check the Details: The validation should include:
- The original creditor’s name
- The amount owed, including itemized fees
- Proof they have the authority to collect this debt
Keep Records: Document all communication with Harris and Harris. Use certified mail with a return receipt when sending letters.
Pro Tip: If they fail to validate the debt, they cannot legally pursue collection efforts. At this point, you might even have grounds to file a complaint against them.
What to Do If the Debt Is Inaccurate
Errors happen more often than you’d think, especially when debts are sold to third-party agencies. If Harris and Harris is attempting to collect an incorrect amount or reporting false information on your credit report, take immediate action.
Dispute the Debt
Get Your Credit Report: Visit AnnualCreditReport.com to pull a free copy of your credit report.
Identify Errors: Look for discrepancies like:
- Incorrect debt amounts
- Debts past the statute of limitations
- Accounts that don’t belong to you
Submit a Dispute: File disputes with each credit bureau (Equifax, Experian, TransUnion) if inaccuracies are found. Include supporting documentation, such as billing statements or letters proving the debt isn’t yours.
Most importantly, follow up to ensure the errors are corrected.
Good Read: How To Deal with TSI Collections
How to Negotiate a Settlement with Harris and Harris
Once you’ve verified the debt is valid, your next step is deciding how to pay it off—or negotiate a reduced settlement amount.
Negotiate Smartly
Offer a Settlement: Start with an offer of 40-60% of the total debt. Debt collectors often accept less than the full amount to close the account.
Request a “Pay-for-Delete” Agreement: If possible, negotiate for the account to be removed from your credit report once the debt is settled. Get this agreement in writing.
Avoid Upfront Payments: Never send money without a written agreement.
Pro Tip: If you’re unable to pay the debt in full, Harris and Harris might agree to a monthly payment plan. Just ensure the terms are documented.
How to Remove Harris and Harris From Your Credit Report
Even after paying a debt, collections can linger on your credit report, dragging down your score. Here’s how to clean up your report:
Request a Pay-for-Delete Agreement: Negotiate this before making any payments.
Dispute Errors Post-Payment: If they fail to update your credit report after you settle, file a dispute with the credit bureaus.
Wait for the Statute of Limitations: Depending on your state, collections typically fall off your credit report after 7 years. If you want to learn more about this, check our comprehensive article about state laws and debts.
Pro Tip: Zombie debt or phantom debts past the statute of limitations—can’t legally be collected. However, paying or acknowledging the debt can restart the clock, so tread carefully.
What If Harris and Harris Sues You?
Getting sued can feel overwhelming, but there are steps you can take to defend yourself effectively:
Respond to the Lawsuit
File an Answer
When you’re served with a lawsuit, the clock starts ticking. You typically have 20 to 30 days to file a response (called an "Answer") to the court. Failing to respond can result in a default judgment, where Harris and Harris automatically wins the case. To file an Answer:
Where to File
Submit the Answer to the court listed on the summons (either online, by mail, or in person).
What to Include
In your Answer, you’ll respond to the claims in the lawsuit. For example, if Harris and Harris claim you owe a specific amount, you can challenge that amount if it’s inaccurate or incomplete.
Affirmative Defenses
You might have valid defenses, such as:
- The debt is too old (past the statute of limitations)
- Harris and Harris cannot prove ownership of the debt
- The debt has already been paid
- The amount they are claiming is incorrect
Request Documents from Harris and Harris:
To verify the debt, you have the right to ask Harris and Harris for specific documentation. When you file your Answer, request proof that they:
- Have the legal right to collect the debt
- Can prove the debt is yours (such as original contracts, statements, or a payment history)
- Can provide evidence of any payments or balances
Consider Settling Outside of Court:
If you owe the debt, it may be in your best interest to settle before going to court. This can save time and legal fees. Here are some tips for negotiating a settlement:
Offer a Lower Settlement Amount: Debt collectors often accept less than the full amount. Start by offering 40-60% of the total debt.
Request a Pay-for-Delete: You may be able to negotiate that the debt is removed from your credit report once you settle. Always get this agreement in writing before making any payment.
Set Up a Payment Plan: If you can’t pay the full amount, ask if Harris and Harris will accept monthly payments. Get the terms in writing to avoid future misunderstandings.
Consult with a Lawyer or Credit Repair Professional
If the lawsuit is complex or you’re unsure about how to proceed, consider consulting debt consolidation lawyer. They can help you draft your Answer, negotiate with Harris and Harris, or represent you in court. Additionally, a credit repair professional can assist you with reviewing your credit report and disputing errors or inaccuracies related to the debt.
Harris and Harris Complaints and Violations
Harris and Harris has faced numerous complaints for violating FDCPA rules. These include:
- Harassing phone calls, including to workplaces
- Failing to validate debts
- Reporting incorrect information to credit bureaus
- Using robocalls
Example of a Common Complaint Against Harris & Harris
“Every day, I get multiple calls from Harris & Harris on my work number, supposedly regarding a debt that isn’t even mine. I’ve asked them repeatedly to remove me from their call list—four times, in fact—but they just keep calling back, promising they'll stop, only for them to reach out again within hours. After warning them that I would report them if it didn’t stop, they still called back within an hour, and then repeatedly called me three times in a row. This is not only an invasion of privacy but pure harassment. It's a relentless, unethical practice, and it needs to end now.”
If you’ve experienced any of these issues, file complaints with:
Conclusion: Take Back Control
Dealing with Harris and Harris and other debt collectors is never easy. Remember, you can always as for help. By understanding your rights, verifying debts, and negotiating strategically, you can resolve your debt and minimize its impact on your life.
Whether it’s sending a validation letter, disputing errors, or negotiating a settlement, every step you take puts you closer to financial freedom.
Remember, persistence is key. Don’t let a debt collector’s tactics derail your progress.
Need Expert Help?
At ASAP Credit Repair, our team of experts is here to guide you through every step of the debt resolution process. Whether you’re facing constant calls from Harris and Harris, need help validating your debt, or want to negotiate a settlement, we can help you take control of your financial future.
Contact us today for a free consultation, and let us help you navigate the path to financial freedom.