Cawley & Bergmann, LLC: Who They Are and Your Rights

Type

Collection agency

Also known as

Cawley & Bergmann, LLP

Headquarters

Newark, NJ

Collects

delinquent consumer accounts for financial institutions

Phone numbers it lists

(855) 650-0323

Website

cawleyandbergmann.com

72 debt collection complaints were sent to the Consumer Financial Protection Bureau about Cawley & Bergmann, LLP 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 Cawley & Bergmann?

Cawley & Bergmann, LLC describes itself as "a debt collection company specializing in the recovery of delinquent consumer debt." Its website gives an address of 550 Broad Street, Suite 1506, in Newark, New Jersey, and lists its NMLS ID as 1306118. The company used to operate as Cawley & Bergmann LLP, the name that still appears in the CFPB complaint database. Texas Secretary of State bond records show the link: an older file is captioned "Cawley & Bergmann, LLC fka Cawley & Bergmann LLP," and a newer bond for Cawley & Bergmann LLC, filed in 2021, is active.

New York City's Department of Consumer and Worker Protection also lists Cawley Bergmann LLC as a licensed debt collection agency, with addresses in Newark and in other cities where it has had offices. We did not find a CFPB enforcement action against Cawley & Bergmann.

Why Cawley & Bergmann May Be Contacting You

The company says its clients are "financial institutions across the United States who provide financial services to consumers." That points to credit cards, personal loans and similar bank or finance-company accounts that have gone delinquent or been charged off. Its site offers online account access and payment, and it sends account messages by text to people who opt in.

The name sounds like a law firm, and it once was organized as an LLP. Today its site presents it as a debt collection company. Its letters and calls should say which creditor it represents and whether that creditor still owns the account.

How to Check a Debt Cawley & Bergmann Says You Owe

Charged-off card and loan accounts often change hands, and balances can grow with interest and fees. To make sure you are paying the right party the right amount:

• Read the validation notice required by 15 U.S.C. § 1692g. Under Regulation F (12 C.F.R. § 1006.34), it must show the itemization date, the balance on that date, and interest, fees, payments and credits since then.
• Compare the account number and charge-off balance with your last statements from the bank or lender.
• Ask who owns the account now. If a debt buyer purchased it, the notice should say so; see what a debt buyer is.
• Send any dispute in writing before the validation deadline. The collector must then stop until it mails verification.
• Find the date of your last payment. In Texas, the usual limit to sue on a credit card or loan is four years (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 apply different periods.

If you are later sued on the account, don't ignore the citation. Start with what to do first.

What Cawley & Bergmann Can and Can't Do

As a company that collects debts owed to others, Cawley & Bergmann is a "debt collector" under 15 U.S.C. § 1692a(6). If it acts as a law firm on a matter, the FDCPA still applies to lawyers who regularly collect consumer debts (Heintz v. Jenkins, 514 U.S. 291 (1995)). Some concrete limits:

• It may not contact you more than seven times in seven days by phone about the same debt (12 C.F.R. § 1006.14(b)(2)), and you can opt out of its text messages at any time.
• It may not imply that an attorney has reviewed your account or that a suit is coming unless that is true.
• It may not add interest or fees beyond what your card or loan agreement and state law allow. See can a collector add fees?
• It may not threaten wage garnishment for a credit card debt in Texas, where wages cannot be garnished for ordinary consumer debts (Tex. Const. art. XVI, § 28).

To talk about a collector's conduct, reach our Texas 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 Cawley & Bergmann, LLC 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

• Cawley & Bergmann: home page
• Cawley & Bergmann: About us
• Texas Secretary of State: debt collector bond search (Cawley & Bergmann, LLC fka Cawley & Bergmann LLP)
• NYC Department of Consumer and Worker Protection: licensed businesses dataset
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Cawley & Bergmann, LLP, debt collection

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