Todd, Bremer & Lawson, Inc.: Who They Are and Your Rights

Type

Collection agency

Also known as

TB&L

Headquarters

Rock Hill, SC

Collects

Federal Perkins Loans, health professions and nursing loans, institutional and private education loans, university parking and other receivables

Phone numbers it lists

(877) 427-6544, (800) 849-6669

Website

tbandl.com

34 debt collection complaints were sent to the Consumer Financial Protection Bureau about Todd, Bremer & Lawson, Inc. 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 Todd, Bremer & Lawson, Inc.?

Todd, Bremer & Lawson, Inc. (TB&L) is a collection agency in Rock Hill, South Carolina that focuses on higher education. Its website says it was founded on July 5, 1974 as Todd, Gregory & Associates, took its current name in 1976, and has served colleges and universities since December 1974. The site says Hal Todd became sole stockholder in 1989 and that two family members each acquired a 20% interest in 2022. It describes TB&L as an ACA International member and an SBA-certified service-disabled veteran-owned small business, and says it is licensed in every state that requires it.

Public records back up its multistate reach. The Texas Secretary of State shows an active debt collector bond for Todd Bremer & Lawson Inc, and New York City's consumer protection agency lists it as a licensed debt collection agency. We did not find a CFPB enforcement action against Todd, Bremer & Lawson.

Why Todd, Bremer & Lawson May Be Contacting You

TB&L's website lists the debts it collects for public and private colleges: Federal Perkins Loans and older National Direct Student Loans, Health Professions, Nursing and Nurse Faculty loans, institutional student loans, private education loans, parking obligations, and other university balances. It names Texas A&M University among the schools that have used its services.

Many people hear from TB&L because a school has placed a hold on a transcript or registration. Its site says that if you need a hold released or a transcript sent quickly, you should call its consumer line rather than pay online. It also notes that an online payment may be split across all of your open accounts with it.

How to Check a Debt Todd, Bremer & Lawson Says You Owe

Campus loans are serviced by the school (or its billing servicer), not by the big federal loan servicers, so they are easy to lose track of. To confirm the balance:

• Use the validation notice. It must name the school or other creditor, itemize the debt and give your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Ask which loan or charge each balance belongs to. Because payments can be spread across accounts, ask how any payment will be applied.
• Compare principal, interest and collection costs with your promissory note or the school's billing records, and check the Federal Student Aid site for any federal loans.
• Dispute in writing within the validation period if an amount is wrong or not yours. TB&L must stop collecting until it mails verification.

Timing rules differ by type of debt. Federal law eliminates the statute of limitations for collecting many federal student loans, including Perkins Loans (20 U.S.C. § 1091a). A parking fine, a private education loan or another school balance may be subject to an ordinary limitations period, such as Texas's four-year rule for most debts (Tex. Civ. Prac. & Rem. Code § 16.004); debt buyers cannot sue on time-barred consumer debt in Texas (Tex. Fin. Code § 392.307). Other states set different periods.

What Todd, Bremer & Lawson Can and Can't Do

A collection agency hired by a school is a "debt collector" under 15 U.S.C. § 1692a(6), so the FDCPA applies to TB&L's collection of student loans and other consumer balances. Keep these limits in mind:

• It may not misstate the consequences of not paying, such as claiming a hold or credit report entry the school has not authorized.
• It may not contact your parents or other relatives about the debt except to get your contact information. See family and employer contacts.
• It may not text you after you reply STOP, and phone calls are limited to seven in seven days per debt (12 C.F.R. § 1006.14(b)(2)).
• Collection costs must be authorized by your loan agreement or by law.
• Federal loans have special collection tools; see our update on student loan involuntary collections. For ordinary consumer debts, Texas does not allow wage garnishment (Tex. Const. art. XVI, § 28).

If a collector's conduct worries you, talk to 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 Todd, Bremer & Lawson, Inc. 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

• Todd, Bremer & Lawson: home page
• Texas Secretary of State: debt collector bond search (Todd Bremer & Lawson Inc)
• NYC Department of Consumer and Worker Protection: licensed businesses dataset
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Todd, Bremer & Lawson, Inc., debt collection

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