Benuck & Rainey, Inc. is a New Hampshire collection agency that handles pre-collection, medical and consumer collections, and commercial (business-to-business) collections for clients in a range of industries.
- Type
- Collection agency
- Also known as
- Benuck & Rainey, Inc.
- Headquarters
- Lee, NH
- Collects
- medical bills, consumer accounts, commercial accounts, telecommunications, insurance, leasing and financial accounts
- Phone numbers it lists
- (888) 697-5566
- Website
- benuckrainey.com
38 debt collection complaints were sent to the Consumer Financial Protection Bureau about Benuck & Rainey, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Benuck & Rainey?
Benuck & Rainey, Inc. is a collection agency at 25 Concord Road, Lee, New Hampshire 03861. Its website says it has been "providing collection services for businesses since 2004." Its sales and support line is (888) 697-5566. The site lists NMLS number 931908, a Nevada collection agency license (CAD11791), and Nancy Rainey as collection manager, and it displays a woman-owned business badge and an ACA membership badge. Consumers can pay through a "Pay Online" link that goes to mypayrazr.com.
Office hours are 8 a.m. to 5 p.m. on Mondays and Tuesdays, 8 a.m. to 7 p.m. on Wednesdays and Thursdays, and 8 a.m. to 4:30 p.m. on Fridays.
Why Benuck & Rainey May Be Contacting You
The company's services include pre-collection, accounts receivable outsourcing, medical and consumer collections, and commercial collections. Its services page lists the industries it works with: commercial, construction services, financial, insurance, leasing companies, manufacturers, medical and telecommunications. So a letter from Benuck & Rainey might be about a doctor's bill, a phone or internet account, an insurance premium, an equipment lease, or a balance owed to a business you dealt with. The firm also has a skip-tracing unit to locate people with placed accounts, which is how it may have found a new phone number or address for you.
How to Check a Debt Benuck & Rainey Says You Owe
- Check the validation notice for the creditor's name, the itemized balance and the dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period if you don't recognize the account. Collection must pause until verification is mailed.
- Telecom or lease accounts: ask for the final bill and how any early-termination fee or returned-equipment credit was calculated.
- Insurance premiums: ask for the cancellation date and the earned-premium calculation.
- Medical bills: compare with your insurer's explanation of benefits, and ask the provider for an itemized bill (Texas facilities must send one before collection; see SB 490).
- Old accounts: Texas generally gives four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). New Hampshire and other states have their own periods.
What Benuck & Rainey Can and Can't Do
Benuck & Rainey collects debts owed to its clients, so it is a "debt collector" under 15 U.S.C. § 1692a(6) when it collects consumer (personal, family or household) debts. Business-to-business accounts are generally outside the FDCPA. For consumer accounts:
- When skip tracing, it may contact third parties only to get your location and may not tell them you owe a debt (15 U.S.C. § 1692b).
- It may not call your workplace if it knows your employer prohibits such calls (15 U.S.C. § 1692c(a)(3)).
- It may not report a disputed debt without noting the dispute (15 U.S.C. § 1692e(8)).
- It may not exceed seven calls in seven days per debt under Reg F's presumption (12 C.F.R. § 1006.14(b)(2)).
We did not find a CFPB enforcement action against Benuck & Rainey.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Benuck & Rainey or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Benuck & Rainey: home page
- Benuck & Rainey: Services
- Benuck & Rainey: Collection process
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: Benuck & Rainey, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Benuck & Rainey has violated any law. Company details change; tell us if something here is out of date.