Hunt & Henriques, LLP is a San Jose, California law firm that collects delinquent consumer debts, mostly credit card balances, for creditors and handles collection lawsuits throughout California. A letter from it often means a creditor is considering or pursuing suit.
- Type
- Collection law firm
- Also known as
- Hunt & Henriques, LLP; Hunt and Henriques
- Headquarters
- San Jose, CA
- Collects
- credit card debt, auto deficiency balances, business credit cards, commercial loans
- Phone numbers it lists
- (800) 680-2426, (800) 496-5048
- Website
- hunthenriques.com
175 debt collection complaints were sent to the Consumer Financial Protection Bureau about Hunt & Henriques 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 Hunt & Henriques?
Hunt & Henriques, LLP is a debt recovery law firm that its website says was originally established in 1982. Its office is in San Jose, California (ZIP 95119), and the firm says it manages collection and litigation services for the entire state from there. It lists memberships in the State Bar of California, several county bar associations, the California Creditors Bar Association and the National Creditors Bar Association, and it states plainly that the firm is a debt collector.
The firm's main number is (800) 680-2426. Its consumer page gives (800) 496-5048 for paying a balance shown on a recent letter or setting up payment by phone.
Why Hunt & Henriques May Be Contacting You
The firm says it specializes in recovering delinquent consumer obligations and that the "vast majority" of its cases involve credit card debt. It also handles auto deficiency balances (what is left after a vehicle is repossessed and sold), business card accounts and commercial loans, and says its clients include many large credit card issuers. If you get a letter from Hunt & Henriques, the account has usually been charged off and sent to the firm because the creditor is willing to go to court.
Because it is a law firm, a letter may be followed by a lawsuit. If you are served with court papers, don't ignore them: missing the deadline to respond can lead to a default judgment.
How to Check a Debt Hunt & Henriques Says You Owe
With a credit card or deficiency claim, the key questions are who owns the account and whether the numbers add up.
- Read the validation notice. A law firm collecting consumer debts must send one (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34), naming the current creditor and itemizing the balance from a reference date such as charge-off.
- Dispute in writing within the validation period. Ask for the account agreement, the charge-off statement and, for a deficiency, the notice of sale and the sale price of the vehicle.
- Ask who the client is. Is the plaintiff the bank that issued the card or a company that bought the account? That affects what it must prove.
- Compare the balance with your last statements and payment history.
- Check the limitation period. In Texas, suits on most debts must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debts (Tex. Fin. Code § 392.307). This firm litigates in California, which has its own statutes of limitations.
What Hunt & Henriques Can and Can't Do
Lawyers who regularly collect consumer debts, including through litigation, are "debt collectors" under the FDCPA. Heintz v. Jenkins, 514 U.S. 291 (1995). See whether a collection law firm is also a debt collector.
- A letter on law-firm letterhead must reflect real attorney involvement. It may not falsely imply that a lawyer has reviewed your file (15 U.S.C. § 1692e(3)).
- It may not threaten a suit that the client hasn't authorized or that would be time-barred (15 U.S.C. § 1692e(5); 12 C.F.R. § 1006.26(b)).
- If you have a lawyer, the firm must communicate with your lawyer, not with you (15 U.S.C. § 1692c(a)(2)).
- Calls are limited by the seven-in-seven presumption of 12 C.F.R. § 1006.14(b)(2).
We did not find a CFPB enforcement action against Hunt & Henriques. If you've been sued, start with what to do first or contact 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 Hunt & Henriques 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
- Hunt & Henriques: home page
- Hunt & Henriques: Consumers
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Hunt & Henriques, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Hunt & Henriques has violated any law. Company details change; tell us if something here is out of date.