Who is Cawley & Bergmann?
Cawley & Bergmann, LLC is a debt collection agency with its main office located in Newark, New Jersey. Their role is to collect outstanding debts on behalf of their clients.
If you have an unpaid bill that has been sent to collections, the company to which you originally owed money may have contracted them to collect the debt. If this happens, you might see them listed on your credit report as a collections account.
Who does Cawley & Bergmann collect for?
Cawley & Bergmann focuses on the collection of delinquent consumer debt. This debt is typically purchased by their clients, which can include various companies and organizations from different sectors.
When a company has difficulty collecting payments from consumers, they often sell these debts to debt buying companies. These debt buyers then contract with collection agencies like Cawley & Bergmann to recoup the debt.
Is Cawley & Bergmann legit or a scam?
Despite the aggressive tactics that some debt collection agencies may employ, Cawley & Bergmann is a legitimate company. Their methods of operation, which may include repeated calls, text messages, or emails, are intended to prompt debtors to pay what they owe.
How can I remove Cawley & Bergmann from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Cawley & Bergmann Contact Information
Address:
Cawley & Bergmann
550 Broad Street, Suite 1001
Newark, NJ 07102
Phone number: (855) 650-0323
Should I contact or pay Cawley & Bergmann?
Before contacting a debt 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 Credit reports can contain errors or list debts that are no longer valid.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 Cawley & Bergmann is to work with a credit repair professional. They help remove millions of negative items every year from companies like Cawley & Bergmann on behalf of their clients.
Will Cawley & Bergmann sue me or garnish my wages?
Like any debt collection agency, Cawley & Bergmann has the legal capacity to sue for unpaid debts. If they win this lawsuit, a judgment can be issued that permits them to garnish your wages as a method to collect the outstanding debt. However, it’s crucial to remember that the jurisdiction you’re in can significantly impact this process, as laws vary from state to state.
Keep in mind that the path from lawsuit to wage garnishment can be long, complex, and costly for the collection agency. As such, many debt collectors, may opt for less arduous methods to recover the debt.
Cawley & Bergmann 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 Cawley & Bergmann
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Cawley & Bergmann 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.
- Cawley & Bergmann cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Cawley & Bergmann 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.
- Cawley & Bergmann cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Cawley & Bergmann From Your Credit Report Today!
Credit Saint offers assistance with disputing Cawley & Bergmann collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
