Weltman, Weinberg & Reis Co., L.P.A. is a creditors' rights law firm, founded in 1930 and headquartered in the Cleveland area, that collects consumer debts and files collection lawsuits for lenders, credit unions, healthcare providers and other clients.
- Type
- Collection law firm
- Also known as
- Nathan & Nathan, P.C.; Weltman, Weinberg & Reis Co., L.P.A.; Weltman
- Headquarters
- Independence, OH
- Collects
- consumer accounts, credit union accounts, education loans, healthcare accounts, subrogation claims, collateral recovery
- Phone numbers it lists
- (800) 837-0603
- Website
- weltman.com
317 debt collection complaints were sent to the Consumer Financial Protection Bureau about Weltman, Weinberg & Reis Co., L.P.A. 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 Weltman, Weinberg & Reis?
Weltman, Weinberg & Reis Co., L.P.A. is a law firm that represents creditors. It says it has provided creditors' rights services since 1930. The firm lists nine offices: its headquarters in the Cleveland area (with an Independence, Ohio address), plus Birmingham, Chicago, Cincinnati, Columbus, Detroit, Philadelphia, Pittsburgh and Sarasota. Its practice areas include consumer collections, commercial collections, bankruptcy recovery, probate recovery and real estate default. Within consumer collections it lists credit union representation, education loan recovery and litigation, healthcare collections, collateral recovery and subrogation. Consumers can pay through a separate site, wwrepay.com.
Why Weltman, Weinberg & Reis May Be Contacting You
A letter on Weltman letterhead means a creditor has placed your account with a law firm instead of, or after, a collection agency. Based on the practice areas it lists, the account may be a defaulted loan or other account owed to a credit union or other lender, an education loan, a medical bill, or an insurance subrogation claim seeking repayment of what an insurer paid after an accident. Weltman may send demand letters, call, file a collection lawsuit, or, after a judgment, pursue post-judgment collection where state law allows. Its listed offices are outside Texas, so check the letter to see which creditor it represents and whether a lawsuit has actually been filed.
In 2017 the CFPB sued the firm, alleging that its letters falsely suggested attorneys had been meaningfully involved in reviewing accounts. After a trial with an advisory jury, the U.S. District Court for the Northern District of Ohio entered judgment in the firm's favor in July 2018 and later denied the firm's request for attorney's fees.
How to Check a Debt Weltman Says You Owe
A law firm's letter can sound final, but your rights are the same as with any collector.
- Look for the validation information in the first letter or within five days after: the creditor, the itemized balance and the date by which to dispute (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within that period and ask for the credit agreement, the last statements and, if the account was sold, the documents showing the client owns it.
- Check whether you have actually been sued. A letter is not a lawsuit. If you are served with a citation in Texas, the answer deadline runs from service, regardless of any dispute you sent; see whether contacting the collector stops the deadline.
- Compare the balance with your records, especially interest and attorney's fees added after default.
- Watch limitations. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states have different periods.
What Weltman, Weinberg & Reis 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 our answer on collection law firms. That means:
- A letter may not falsely imply that a lawyer personally reviewed your file if none did (15 U.S.C. § 1692e(3)).
- A collection suit generally must be filed where you live or where you signed the contract (15 U.S.C. § 1692i).
- The firm may not threaten suit on a debt it cannot or will not sue on (15 U.S.C. § 1692e(5)).
- It cannot garnish current wages in Texas for an ordinary consumer debt; the Texas Constitution bars that.
Government Actions on the Public Record
- California DFPI settlement agreement (DFPI alleged the firm filed its Debt Collection Licensing Act annual report after the March 15, 2025 deadline; desist-and-refrain order made final and $2,500 administrative penalty) (2025-04-30)
- CFPB lawsuit (CFPB alleged collection letters falsely suggested meaningful attorney involvement); after a 2018 trial the court entered judgment for the firm on July 25, 2018 (2017-04-17)
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 Weltman, Weinberg & Reis 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
- Weltman: About
- Weltman: Our Offices
- Weltman: Contact
- CFPB enforcement action: Weltman, Weinberg & Reis Co., L.P.A.
- CFPB Consumer Complaint Database: Weltman, Weinberg & Reis Co., L.P.A., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Weltman, Weinberg & Reis has violated any law. Company details change; tell us if something here is out of date.