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Is Harris and Harris a scam or legit debt collector? Evidence-based analysis with BBB rating, FDCPA complaints, and consumer rights guidance.
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SEO case study target: Is Harris and Harris Legit? Harris & Harris Review & Scam Check 2026
Harris & Harris, Ltd. is a legitimate debt collection agency, not a scam. Founded in 1968 and headquartered in Chicago, Illinois, the company primarily collects healthcare, government, and utility debts. However, "legitimate" does not mean "trustworthy" when it comes to consumer treatment. Harris & Harris has one of the worst complaint records among major U.S. debt collectors, with over 1,800 complaints to the Consumer Financial Protection Bureau (CFPB) and a 1.1-star consumer review average on the BBB.

Harris & Harris, Ltd. is a third-party debt collection agency that collects debts on behalf of hospitals, medical providers, utility companies, and government agencies. When you owe money to one of their clients and the original creditor cannot collect, the debt is assigned to or purchased by Harris & Harris, who then contacts you to collect payment.
The company is accredited by the Better Business Bureau and holds an A+ rating. However, this rating reflects the company's responsiveness to BBB complaints, not consumer satisfaction. Their customer review average is 1.1 out of 5 stars.
They are regulated under the Fair Debt Collection Practices Act (FDCPA) and are subject to oversight by the CFPB and the Federal Trade Commission.
⚠Aggressive Tactics and FDCPA Complaints
Harris & Harris has been the subject of over 1,800 CFPB complaints and has faced numerous lawsuits alleging violations of the Fair Debt Collection Practices Act. Consumers report harassing calls, threats, and attempts to collect debts they do not owe.
Massive complaint volume. The CFPB has received over 1,800 complaints about Harris & Harris. The BBB records over 900 complaints in the past three years alone. This is exceptionally high for a single collection agency.
Collecting debts from wrong individuals. One of the most common complaints is that Harris & Harris contacts people who do not owe the debt in question, sometimes pursuing accounts that have already been paid or discharged.
Alleged FDCPA violations. Consumer law firms have documented complaints including vulgar or abusive language, failure to validate debts when requested, calls to workplaces, excessive robocalling, and reporting inaccurate information to credit bureaus.
Over 260 federal cases. Harris & Harris has been a party to more than 260 federal lawsuits related to debt collection practices, indicating a pattern of legal challenges.
Poor complaint resolution. According to the BBB, Harris & Harris does not have a strong record of responding to or resolving customer complaints in a satisfactory manner.
Consumer complaints about Harris & Harris follow consistent patterns:
Understanding the debt collection process helps you protect your rights:
Harris & Harris is legally required to follow this process. If they deviate from it, they may be violating federal law, and you may be entitled to damages.
If Harris & Harris contacts you, follow these steps:
ℹYour Rights Under the FDCPA
Debt collectors cannot call before 8 AM or after 9 PM, use abusive or threatening language, contact you at work if you tell them not to, discuss your debt with third parties, or continue collection during a validation dispute. If any of these occur, document the violation and consult an attorney.
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