Blitt and Gaines, P.C.: Who They Are and Your Rights

Type

Collection law firm

Also known as

Blitt & Gaines; Blitt and Gaines

Headquarters

Vernon Hills, IL

Phone numbers it lists

(888) 920-0620, (847) 403-4900

Website

blittandgaines.com

303 debt collection complaints were sent to the Consumer Financial Protection Bureau about Blitt and Gaines, P.C. 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 Blitt and Gaines?

Blitt and Gaines, P.C. describes itself as "a law firm that represents creditors" and as a full-service collections law firm. Fred N. Blitt founded it in 1990. Its main office is at 775 Corporate Woods Parkway in Vernon Hills, Illinois, and it lists offices in Naperville, Illinois; Phoenix; Indianapolis and Merrillville, Indiana; Urbandale, Iowa; Kansas City, Missouri; St. Louis; and Milwaukee. The firm says it is licensed in Arizona, Arkansas, Illinois, Indiana, Iowa, Kansas, Missouri, Tennessee and Wisconsin.

Its practice areas include legal collections, creditor bankruptcy representation, consumer and commercial litigation, defense of FDCPA claims, judgment domestication and enforcement, and replevin and detinue (court actions to recover property).

Why Blitt and Gaines May Be Contacting You

A letter, call or lawsuit from Blitt and Gaines means a creditor has hired the firm to collect an account through legal channels. The firm does not publicly list its clients, so the letter or court petition is where you will find the creditor's name. It may be the company you originally did business with or a company that bought the account later.

The firm's work at different stages looks different to a consumer. Before suit, it sends demand letters and offers payment arrangements through an online negotiation portal. If it files suit and wins, "judgment domestication and enforcement" means it may register a judgment from one state in another and use that state's collection tools. Texas is not among the states where the firm says it is licensed, so if you live in Texas, check which state the account or any lawsuit is tied to.

How to Check a Debt Blitt and Gaines Says You Owe

When a law firm is involved, check both the debt and the court record.

• Read the validation information in the firm's first letter: the creditor, the itemized balance and the date to dispute by (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). The firm's FAQ says you can dispute by phone, mail or email and request account documentation; put your dispute in writing so it is preserved.
• Request ownership documents. If the plaintiff is not the original creditor, ask for the bill of sale and assignment covering your account.
• Search the court docket in the county named in any papers you receive. If there is a judgment you did not know about, find out when and how you were supposedly served.
• Check the balance, including court costs, interest and any attorney's fees added after judgment.
• Check limitations. Texas generally gives four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). An out-of-state account or judgment may be governed by another state's limitation period.

What Blitt and Gaines Can and Can't Do

Under Heintz v. Jenkins, 514 U.S. 291 (1995), lawyers who regularly collect consumer debts, including by filing lawsuits, are debt collectors under the FDCPA. For Blitt and Gaines, that means:

• It must sue in the judicial district where you live or where you signed the contract (15 U.S.C. § 1692i).
• Court filings and letters may not misstate the amount owed or who owns the debt (15 U.S.C. § 1692e(2)).
• Once it knows you have a lawyer, it must communicate with your lawyer (15 U.S.C. § 1692c(a)(2)).
• If a judgment is brought to Texas, Texas exemptions still protect property such as your homestead and current wages from most consumer creditors.

We did not find an enforcement action against Blitt and Gaines in the CFPB's enforcement actions list, the FTC's case database, the Connecticut Department of Banking's 2016–2026 consumer credit orders, California DFPI enforcement records or the New York DFS enforcement actions list, which we checked in November 2026. Read more about debt buyers and our FDCPA attorneys.

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 Blitt and Gaines, P.C. 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

• Blitt and Gaines: home page and contact details
• Blitt and Gaines: About
• Blitt and Gaines: Frequently Asked Questions
• CFPB Consumer Complaint Database: Blitt and Gaines, P.C., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Blitt and Gaines, P.C. has violated any law. Company details change; tell us if something here is out of date.