Suttell & Hammer: Who They Are and Your Rights

Type

Collection law firm

Also known as

Suttell & Hammer, P.S.; Suttell, Hammer & White, P.S

Headquarters

Bellevue, WA

Phone numbers it lists

(888) 788-8355

Website

suttellandhammer.com

130 debt collection complaints were sent to the Consumer Financial Protection Bureau about Suttell, Hammer & White, P.S 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 Suttell & Hammer?

Suttell & Hammer, P.S. is a law firm that says it aims to be the leading creditors-rights firm in the West. Its mailing address is P.O. Box C-90006, Bellevue, Washington 98009, and it publishes a toll-free number, (888) 788-8355, along with a TTY line. The firm's site identifies its communications as coming from a debt collector and offers online payment and a Spanish-language version.

The CFPB complaint database lists the firm as "Suttell, Hammer & White, P.S," which appears to be another version of the firm name. The firm's own website uses "Suttell & Hammer, P.S."

Why Suttell & Hammer May Be Contacting You

The firm says it serves creditors in Alaska, Arizona, California, Colorado, Hawaii, Idaho, Massachusetts, Oregon, Texas, Utah and Washington. It doesn't list its clients or the types of accounts it handles on its home page. As a creditors-rights firm, it typically receives accounts after a creditor has decided that a lawyer's involvement, and possibly a lawsuit, is warranted. If you live in Texas and receive a letter from this firm, check carefully whether a suit has already been filed in a justice court or county court near you.

How to Check a Debt Suttell & Hammer Says You Owe

When a law firm is involved, the court deadlines matter as much as the dispute rights.

• Read the validation notice. Law firms collecting consumer debts must send one (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Check the creditor's name and the itemization.
• Dispute in writing within the validation period. Ask for the contract, the final statement, and, if the creditor bought the account, the documents showing the transfer to it.
• Ask whom the firm represents and whether a lawsuit has been filed. A dispute letter does not extend a deadline to answer a lawsuit.
• Reconcile the figures with your own records, and question any attorney's fees or costs that have been added.
• Look at the statute of limitations. In Texas, the general deadline to sue on a debt is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). The other states this firm covers set their own periods.

What Suttell & Hammer Can and Can't Do

Attorneys who regularly collect consumer debts, including through lawsuits, are covered by the FDCPA. Heintz v. Jenkins, 514 U.S. 291 (1995).

• It may not file suit in a distant county. The FDCPA generally requires suit where you live or where you signed the contract (15 U.S.C. § 1692i).
• It may not collect attorney's fees or other amounts your contract or state law doesn't allow (15 U.S.C. § 1692f(1)).
• In Texas, a judgment on an ordinary consumer debt cannot be enforced by garnishing your wages (Tex. Const. art. XVI, § 28). Other states have their own rules, so what a creditor can do after a judgment depends on where you live.
• Calls are subject to the Regulation F seven-in-seven limit (12 C.F.R. § 1006.14(b)(2)).

We did not find a CFPB enforcement action against Suttell & Hammer. If you were sued in Texas, see 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 Suttell & Hammer 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

• Suttell & Hammer: official site
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Suttell, Hammer & White, P.S, debt collection

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