Brennan & Clark: Who They Are and Your Rights

Type

Collection agency

Also known as

Brennan & Clark, Ltd., LLC; Brennan & Clark LLC

Headquarters

Oak Brook, IL

Collects

insurance company accounts, commercial accounts

Phone numbers it lists

(800) 858-7600, (630) 279-7600

Website

brennanclark.com

17 debt collection complaints were sent to the Consumer Financial Protection Bureau about Brennan & Clark, Ltd., LLC 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 Brennan & Clark?

Brennan & Clark LLC is a collection agency headquartered at 2301 W. 22nd Street in Oak Brook, Illinois. Its website promotes "over 45 years of commercial debt collection expertise" and offers contingency collections, first-party outsourcing (collecting in the creditor's own name), collection training and a "Fast Track Payment" program. The site's footer lists collection licenses or permits in Nevada, California and North Carolina.

We did not find a CFPB enforcement action against Brennan & Clark.

Why Brennan & Clark May Be Contacting You

Brennan & Clark markets mostly to businesses. Its website lists these industries: life and health insurance, property and casualty insurance, distribution, transportation, professional services, and publishing/advertising. Of those, insurance is the industry most likely to involve an individual. If you had a personal auto, home, life or health policy that ended with a balance the insurer says is unpaid, that is one kind of account an insurer could place with a collection agency like Brennan & Clark. The company does not publish a client list, so rely on the creditor named in its letter.

If the account is purely a business debt, such as an invoice owed by your company, the FDCPA may not apply, but the agency must still be truthful.

How to Check a Debt Brennan & Clark Says You Owe

• Get the validation notice for a consumer account. It must name the insurer or other creditor, itemize the balance and give a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period if you canceled the policy, if coverage ended earlier than the insurer claims, or if a refund of unearned premium should have offset the balance.
• Ask which company owns the balance and whether an agent or broker was involved.
• Request the earned-premium calculation and the cancellation notice, and compare them with your payment records.
• Check how old the debt is. Texas generally gives a creditor four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states set different periods.

What Brennan & Clark Can and Can't Do

When it collects a personal, family or household debt owed to a client, such as a personal auto or homeowners premium, Brennan & Clark is a "debt collector" under 15 U.S.C. § 1692a(6). Some limits:

• It may not call you at work if it knows your employer does not allow those calls (15 U.S.C. § 1692c(a)(3)).
• It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
• It may not add charges the policy or law does not allow (15 U.S.C. § 1692f(1)).
• It may not threaten to sue unless a lawsuit is actually intended (15 U.S.C. § 1692e(5)).

Learn how to dispute a debt with a collector, or see our Texas FDCPA attorneys page.

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 Brennan & Clark 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

• Brennan & Clark: home page
• Brennan & Clark: Contact
• CFPB enforcement actions list
• CFPB Consumer Complaint Database: Brennan & Clark, Ltd., LLC, debt collection

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