When you miss a payment on a bill, you run the risk of being contacted by a debt collector such as Burr & Reid.
They are a particularly tenacious debt collection agency that will come after you until you pay up.
Not only that, but they will wreak havoc on your credit score as well.
Before contacting you for payment, a debt collector has to contact the major credit reporting agencies and open a collections account.
This entry is highly damaging to your credit and can remain on your report for as long as seven years – even if you cave and pay them.
Feeling lost and not sure where to turn? We can help you!
With a few simple steps, you can get Burr & Reid off your credit report and begin the process of rebuilding your credit score.
Keep reading for our complete guide.
What is Burr & Reid?
Also known as the Law Offices of Burr & Reid, LLP, Burr & Reid is a debt collection agency and practicing law office out of Vestal, NY.
They are only admitted to practice law in the states of New York and Pennsylvania.
They recover assets on behalf of a variety of organizations. Their clients include:
- credit unions
- health care providers
- large corporations
Unsurprisingly, customers do not enjoy working with Burr & Reid. In fact, the business has amassed a fair number of complaints over the years.
They currently sit with 11 complaints filed with the Consumer Financial Protection Bureau (CFPB) and 3 complaints with the Better Business Bureau (BBB).
Customers recount issues with customer service representatives, failures to validate debts, and inaccurate reporting.
If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.
How to Get Burr & Reid off Your Credit Report
These are the four steps to follow to get rid of the collection from your credit report once and for all:
Don’t Deal with Burr and Reid Over the Phone
One of the most annoying parts about dealing with debt collectors is the constant phone calls.
Luckily, you are permitted by law to request that Burr and Reid stop calling you altogether.
Under the FDCPA, you are allowed to ask Burr and Reid to cease their constant phone calls and instead communicate strictly through U.S. Mail.
This will benefit you in a number of ways.
First, it will allow you to keep track of each communication that you have with Burr and Reid.
You should hang onto each letter you receive from them to refer back to if you need.
Written communication will also prevent Burr and Reid from using aggressive communication tactics.
Many debt collectors take advantage of customers’ ignorance of the FDCPA to bully them into payments.
Enforcing a ‘letters only policy’ will prevent any profanity in your exchanges.
Keeping copies of your interactions with Burr and Reid will serve you in the long run, so make sure you take advantage of this right.
It will also come in handy later on when you need to make a settlement deal with them.
Demand Validation on the Debt
Another FDCPA right that you should definitely take advantage of is your right to demand validation on the debt.
The debt collection industry is far from organized. Creditors are eager to offload old unpaid bills, and collection agencies are just as eager to pick them up and turn a quick profit.
The scramble that ensues can lead to inaccuracies on debts and even attempts to collect debts from the wrong people.
Requesting debt validation from Burr and Reid ensures that you aren’t paying a debt based on bad intel.
You should still take advantage of your right to debt validation even if you suspect that Burr and Reid has all the correct information.
They may have gotten something wrong, and this is grounds for you to dispute the collection entry.
Start by writing a debt validation letter to Burr and Reid with the information of your account listed out.
You can typically find templates for these letters on the internet.
Send the letter to Burr and Reid and request a return receipt from the carrier. The carrier will notify you when the agency has received your notice.
After 30 days, Burr and Reid should come back with proof that the debt belongs to you.
If they are unable to provide this, they must contact the credit reporting bureaus and remove their account from your credit report.
Offer to Pay in Exchange for Deletion
If Burr and Reid is able to confirm that the account is yours, you will need to explore other options for removing their account.
Specifically, you will need to offer to pay them in exchange for an account deletion.
Known as a pay-for-delete agreement, this type of settlement usually works when a third-party company takes over a debt on behalf of the original creditor.
The collection agency will pay a fraction of the balance in order to collect the debt. This means that they only need to collect slightly more than they paid in order to turn a profit.
Pay-for-delete agreements take advantage of this fact. Burr and Reid is desperate for your money, and three-quarters of the balance is better than nothing.
Start by offering to pay a low amount of your balance (around 30%) in exchange for Burr and Reid to delete their entry from your credit report.
This offer will likely be rebuffed, so work with them to come up with a reasonable settlement.
Once all the details have been ironed out, ask Burr and Reid to send the full agreement on a company letterhead.
Hang onto this document in case you ever have to refer back to it later on.
Burr and Reid should contact the credit bureaus and remove their account within a month of receiving your first payment.
If they don’t, remind them that you have a physical copy of the agreement. This should move them along and clean up your credit report in no time.
Ask For Help Dealing with Burr & Reid
Not everyone is comfortable going head-to-head with a debt collector.
If you would rather hand Burr & Reid off to a professional, you should look into hiring a credit repair company.
Credit repair companies are excellent resources for people looking to improve their credit score.
They can remove damaging accounts from your credit report and give you personalized tips on how to boost your score.
It’s important to work with a company that is well-suited for your particular credit needs. Personally, I recommend working with Lexington Law.
They have decades of experience and an outstanding team to help you put Burr and Reid behind you for good.
No one likes dealing with debt collectors, but it’s better to handle them upfront than wait for the situation to get worse.
By following the four steps above, you should be able to stop Burr and Reid’s calls and boost your credit score in one fell swoop.
If you are looking for more tips and tricks on how to improve your credit score, check out more of our popular articles. Better credit is within your grasp.