Dispute a Debt
If you are disputing a debt, please fill out the form below.
Your 8-digit reference number is on the top right section of the letter you have received.
Fair Debt Collection Practices Act:
This is an attempt to collect a debt. Any information obtained will be used for that purpose. Harris & Harris, Ltd. is a collection agency.
If you wish to communicate with us by telephone, please call us at: (844)840-8062.
If you wish to communicate with us by mail, please send correspondence to:
Harris & Harris, Ltd.
Attention: Consumer Assistance
111 W. Jackson Blvd
Suite 650
Chicago, IL 60604
We are required under state and federal law to notify consumers of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. Harris & Harris, Ltd. is a collection agency.
California:
The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 am or after 9 pm They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.
Please note that we do not sell personal information. For more information on how we collect, use, and disclose personal information subject to the California Consumer Privacy Act (“CCPA”), please click here.
Our California debt collector license number is 10670-99.
Colorado:
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR. A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. The Colorado contact information for Harris & Harris, Ltd. is 8690 Wolff Court, Suite 110, Westminster, CO 80031, (303) 920-4763.
Massachusetts:
NOTICE OF IMPORTANT RIGHTS: YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY TEN DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE DEBT COLLECTOR. Office Hours (CST): Monday–Thursday 8am–8pm, Friday 8am–5pm and Saturday 8am–12pm.
Minnesota:
This collection agency is licensed by the Minnesota Department of Commerce.
Nevada:
Our Nevada Collection Agency License Number is CAD11594.
Our Nevada Compliance Manager Certificate Identification Number is C10256.
New Mexico:
Information about the Surprise Billing Protection Act, 2019 N.M. SB 337, can be obtained online at https://www.osi.state.nm.us/ or by contacting the Office of Superintendent of Insurance at 1120 Paseo de Peralta, Ste. 428, Santa Fe, NM 87501 or 1-855-427-5674.
New York City:
Our City of New York, Department of Consumer Affairs License Number is 2092850-DCA.
A translation and description of commonly-used debt collection terms are available in multiple languages on the Department of Consumer Affairs website, www.nyc.gov/dca. If you have limited-English proficiency or prefer to speak in a language other than English on telephone calls with our office, please provide your language preference and we will record it in our files.
We provide telephone translation services through a third-party vendor, Argo Translation. Please also note that our payment portal found at www.payharris.com, which allows users to pay certain accounts online, contains instructions in Spanish (El sitio web de pago www.payharris.com contiene instrucciones en Español).
North Carolina:
Our North Carolina permit number is 119507674.
Wisconsin:
This collection agency is licensed by the Division of Banking, in the Wisconsin Department of Financial Institutions, www.dfi.wi.gov.
Electronic Payment Authorization:
By (1) calling Harris & Harris, Ltd. At (844)840-8062 or taking a call from us; (2) specifying the amounts and dates of payments you would like to make; (3) identifying the deposit account of yours you which to use for making payments; and (4) electronically signing this Authorization, you authorize us to initiate payments from your account in the amounts and on the dates that you specify. You also authorize us to resubmit any unsuccessful payment or correct any erroneous payment. You understand that your bank may charge a fee for any unsuccessful payment and that we have no liability for any such fee. You may cancel this Authorization by calling us at (844) 840-8062 or writing us at least three business days before you wish the cancelation to be effective. This Authorization is no way limits any right you may have under federal law to stop payment of a preauthorized electronic fund transfer by contacting your financial institution.