Burr & Reid

Burr & Reid

You may find that one of your debts has resulted in calls from a company called Burr & Reid.

They are a prominent debt collector in New York and Pennsylvania, and they have been hired to collect your overdue balance.

Unfortunately, they will clutter up your mailbox and voicemail. They can also have a detrimental effect on your credit score.

In order to contact you for payment, they must first open a collection account on your credit report.

This will result in a dramatic drop in your credit score that can stay in place for nearly a decade.

The best way to stop Burr & Reid’s collection efforts and repair your credit is to delete this entry from your credit report.

Read on to learn more about the best way to make that happen.

About Burr & Reid

Headquartered in Vestal, NY, Burr & Reid is a medium-sized debt collection firm that operates in the Northeast.

Specifically, they have a license to practice in Pennsylvania and New York. They have locations throughout both states.

In regard to the types of debt they collect, Burr & Reid focuses on servicing:

  • Healthcare providers
  • Financial institutions
  • Large corporate clients

If you have a debt that falls in these categories, you may begin to hear from them.

Does Burr & Reid Have Any Complaints?

Complaints are pretty standard in the debt collection industry. After all, they are far from the first people that you want to be getting missed calls from.

Burr & Reid has had an average amount of complaints filed against them over the years.

They currently sit with 11 complaints with the Consumer Financial Protection Bureau (CFPB) and 3 complaints with the Better Business Bureau (BBB).

You may be wondering if Burr & Reid is deserving of all the bad press. The truth is probably yes.

Many debt collectors are responsible of violating consumer rights in the pursuit of a debt.

These rights, afforded to you under federal law, are meant to protect your integrity throughout the process. We’ll discuss specifically how the law protects you below.

If Burr & Reid oversteps their bounds, you can file a complaint or even a civil suit. You may even be eligible for damages if their abuse runs deep enough.

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

How to Deal with Burr & Reid

Want to put an end Burr & Reid’s demands and improve your credit along the way? Here are the four steps to get you there.

Get to Know Your FDCPA Rights

One of the first things that you should do when you start hearing from a debt collector is familiarize yourself with your FDCPA rights.

The Fair Debt Collection Practices Act (FDCPA) is federal legislation that prevents abuse, deception, intimidation from debt collectors.

In no uncertain terms, the law lays out specifically what Burr & Reid is and isn’t allowed to do in pursuit of payment.

Under the FDCPA, Burr & Reid is not allowed to:

  • Call you before 8 a.m. or after 9 p.m.
  • Contact anyone except you about your debt.
  • Threaten you with criminal charges.
  • Threaten legal action that they can’t or won’t take.
  • Publicize your debt.
  • Use obscene language.
  • Threaten you with bodily harm.
  • Fail to validate your debt.
  • Report inaccurate information about your debt.
  • Misrepresent themselves when contacting you.

As soon as you start having regular contact with them, make sure that you are familiar with your rights under the law.

This will help prevent abuse from them moving forward and keep their collection efforts above board.

Write a Debt Validation Letter

One of the most important rights provided by the FDCPA is the right to request validation from a debt collector.

Burr & Reid works with a lot of clients, which means there is a lot of information about debts flying around on a daily basis.

It isn’t unheard of for a debt collector to mix up information about one person’s debt with another.

Before you even think about making a payment on a debt, you need to write a debt validation letter to Burr & Reid.

This will help you make sure that they are reporting everything accurately to the credit bureaus. It will also ensure that you aren’t making payments on someone else’s debt.

Make sure to send your debt validation letter to them within 30 days of hearing from them for the first time.

If you wait longer than that, your request may be ignored.

They should return after 30 days with proof that the debt belongs to you. Go through their paperwork to confirm that all the information is accurate and timely.

If you find something amiss in the documents, you can submit a dispute with the credit bureaus.

They will examine the claims and delete Burr & Reid’s entry if they agree that the entry is inaccurate.

Settle the Debt for a Portion of the Balance

If you missed your opportunity to validate the debt, your next move is to settle up with Burr & Reid.

However, this doesn’t mean that you have to pay the entire balance.

As a third-party collector, they purchase delinquent accounts from companies that are eager to get rid of them.

They will buy them for pennies on the dollar and turn a profit by collecting the full balance.

If you play your cards right – and are a skilled enough negotiator – you may be able to talk them down to a fraction of the price.

Alternatively, you can have them delete their collection accounts, which will boost your credit score.

Start offering to pay them 30% of the balance. This is a laughable amount that will most likely be declined.

However, it gives you leverage to inch your way up to a more reasonable amount.

Once you come to an agreement with Burr & Reid, draft up a contract that clearly states the terms and conditions.

Request that they send you this document on one of their letterheads so that you can have proof of the deal.

After you receive this letter, make your first payment. It should take them about a month, but they should remove their collection account from your credit report soon thereafter.

Hire a Credit Repair Company

You don’t have to go up against Burr & Reid all on your own. If you prefer, you can always hire a credit repair company to deal with them for you.

Credit repair companies are a saving grace for folks that don’t have the time or patience to negotiate with debt collectors.

They are exceptional at removing damaging accounts from your credit report and boosting your credit score.

It’s important that you work with a credit repair company that has a track record of success. Personally, I recommend working with Lexington Law.

Lexington Law has over 28 years of experience with collection agencies like Burr & Reid.

They can take them off your hands so that you can enjoy all the benefits of improved credit without logging the hours.

Ask Lex Law for Help


Dealing with Burr & Reid involves navigating consumer finance law and credit recovery services.

It may seem daunting, but it is worth it to get your credit back in a good spot.

We are always looking for new ways to handle the efforts of debt collectors.

If you have any sage knowledge about dealing with Burr & Reid, leave a comment in the comments section below.

Prevent Loan Scams

About Prevent Loan Scams

Prevent Loan Scams provides guides, reviews & information to help consumers through every restorative step of their financial journey.

Back to Top

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.