Brennan & Clark is calling your business about a commercial debt, and the scripted voicemail they left sounds more like a legal threat than a routine collection notice. According to BBB complaint records, the agency reportedly uses a standardized script referencing “legal remedies” and “pressing legal matters” without identifying itself as a debt collector in that first contact, a gap that may trigger the FDCPA’s required disclosure rules.
If you received one of those calls, +1-844-638-1122 connects you to The Wood Firm PLLC for a free case review.
Key Takeaways
- Brennan & Clark, Inc. is a commercial B2B debt collection agency headquartered in Oak Brook, Illinois; formerly based in Villa Park, IL; founded in 1980; also operates as Brennan & Clark Ltd. and Brennan & Clark LLC.
- Federal court records document multiple FDCPA lawsuits against the agency, including Edmondson v. Brennan & Clark LLC, No. 4:18-cv-00011 (N.D. Ind.).
- BBB complaint records reportedly show a pattern of scripted voicemails that allegedly omit required debt-collector disclosures, according to consumer filings.
- The FDCPA requires a written validation notice within five days of first contact. If you received calls but no letter, that sequence may be its own violation.
- Statutory damages: up to $1,000 under the FDCPA; $500 to $1,500 per call under the TCPA for unauthorized autodialed calls.
- The Wood Firm PLLC handles these cases on contingency. No upfront fees. If Brennan & Clark violated federal law, they pay.
Free Case Review: +1-844-638-1122
Who Is Brennan and Clark
Brennan & Clark, Inc. is a commercial debt collection agency founded in 1980 and headquartered in Oak Brook, Illinois. The agency primarily collects business-to-business (B2B) debts for clients in the insurance, payroll, and distribution industries. Paychex and Horizon BCBS appear as frequent clients in both BBB complaints and court records.
The agency markets itself as a commercial-only firm and frequently argues the FDCPA does not apply to business debts. In our practice, we examine whether a debt that started as a business obligation crossed into the hands of an individual who carries personal FDCPA protections, because that distinction determines whether federal claims survive. Brennan & Clark is not the only commercial agency that uses this argument to avoid accountability; the pattern is common across the industry.
- Also Known As: Brennan & Clark Ltd., Brennan & Clark LLC, Brennan and Clark, B&C, Offices of Brennan and Clark
- Address: 721 E. Madison St., Suite 200, Oak Brook, IL 60523 (formerly Villa Park, IL 60181)
- Phone: 800-858-7600 | (800) 858-7600 | +1-800-858-7600 | 8008587600
- Website: brennanclark.com
- BBB Profile: Brennan & Clark BBB listing
Phone Numbers Brennan and Clark Uses
Brennan & Clark contacts businesses and individuals from multiple numbers. Every documented number is listed below in multiple formats, because callers search them differently.
630-359-6124
(630) 359-6124
+1-630-359-6124
6303596124
This number generates direct consumer search traffic. Callers have reported it in connection with the agency’s scripted commercial collection voicemails.
630-359-6125
(630) 359-6125
+1-630-359-6125
6303596125
630-359-6119
(630) 359-6119
+1-630-359-6119
6303596119
630-359-6115
(630) 359-6115
+1-630-359-6115
6303596115
630-359-6170
(630) 359-6170
+1-630-359-6170
6303596170
800-858-7600
(800) 858-7600
+1-800-858-7600
8008587600
This is the agency’s main listed line. BBB complaint records document contact from consumers who never received a written validation letter before these calls began.
If one of these numbers appeared on your caller ID, document the date, time, and any recorded message. That record may support a federal claim.
Why Is Brennan and Clark Calling You
Brennan & Clark is calling you because a business placed a past-due commercial account with the agency for collection. The most frequently named clients in BBB complaints are Paychex, a payroll processing company, and Horizon BCBS, a health insurer. The underlying debt is typically an unpaid invoice, an NSF payroll transaction, or a claimed insurance overpayment.
A distinct pattern runs through the complaint record: the agency reportedly uses a standardized voicemail script referencing “legal remedies” and “pressing matters” before the recipient knows who is calling or why. According to a BBB complaint filed in August 2025, one recipient received four or more calls from different numbers, all 46 seconds long, all delivering the same script, before receiving any written notice of the debt.
The FDCPA requires a debt collector to send a written validation notice within five days of first contact. If calls started before any letter arrived, that gap deserves a closer look.
The Scripted Voicemail Tactic You Should Know About
The “Offices of Brennan and Clark” voicemail script is specific enough that consumers have filed complaints about its exact wording. The script reportedly states the agency has been “brought in to resolve a pressing legal matter” and urges the recipient to have someone “equipped to handle legal matters” call back immediately. It does not identify the caller as a debt collector or disclose the purpose of the call as debt collection.
Under 15 U.S.C. § 1692e(11), a debt collector must disclose in every communication that it is a debt collector attempting to collect a debt. A voicemail that uses legal-sounding language while omitting that disclosure is not a minor oversight. It is the kind of scripted, reproducible conduct that appears in FDCPA litigation precisely because the same script was used on many people.
In our practice, we request the agency’s call scripts and the audio recording of the initial voicemail in every Brennan & Clark file, because the failure to identify as a debt collector is the most documentable violation in the complaint record for this agency. If you saved the voicemail, that recording may already contain the evidence.
When Brennan and Clark Calls the Wrong Person
Brennan & Clark reportedly contacts individuals who have no connection to the debt being collected. BBB complaint records show the agency has called former employees of debtor businesses, individuals whose phone numbers were associated with a prior address, and people with no organizational relationship to the account at all.
In one 2025 BBB complaint, a consumer told the agency verbally that it had the wrong number. Calls continued anyway, all delivering the same scripted voicemail. The agency only stopped after a formal BBB complaint was filed.
In a separate 2025 case, a former employee told every representative and sent a written email explaining she was not personally liable for a business debt. The agency kept calling. That pattern, repeated contact after a clear notice of wrong-number or wrong-person contact, may constitute a standalone FDCPA violation for each call made after the notice was given.
Wrong-number debt harassment is not unique to Brennan & Clark. Agencies that use skip-tracing data to locate business contacts often pull outdated or mismatched records, and consumers regularly bear the cost of those data errors. If you told this agency to stop and it kept calling, document every contact from that point forward.
Brennan and Clark Refuses to Show Proof of Debt
Multiple BBB complaints against Brennan & Clark describe the same refusal: the agency declines to provide documentation of the underlying debt, telling callers that because it is a business debt, no proof is required. In one 2025 complaint, a business owner asked for proof of debt six times. The agency refused each time and threatened legal action instead.
The legal picture here is more nuanced than the agency suggests. When a sole proprietor, a personally-named business contact, or any individual is the target of collection efforts, the FDCPA’s validation requirements may apply regardless of how the creditor originally characterized the debt. A refusal to validate, combined with continued collection activity, may itself be a violation. In our practice, we pull the chain-of-title documents on every Brennan & Clark file where a validation request was denied, because that is where commercial collection accounts most commonly fail legal scrutiny.
Is Brennan and Clark a Scam
Brennan & Clark is a real, licensed commercial debt collection agency. Licensed does not mean every tactic is legal. The company has operated since 1980 and collects legitimate business debts on behalf of established clients including Paychex and Horizon BCBS.
Multiple consumers have filed BBB complaints describing conduct that raised scam concerns: scripted voicemails that never identified the caller as a debt collector, emails sent to personal addresses referencing business obligations the recipient did not recognize, and repeated contact after the agency was told it had the wrong person. According to BBB records, the agency’s own complaint responses confirm several of these cases.
Real scam activity and legitimate-but-unlawful collection tactics can look identical to the person receiving the calls. Agencies that send legally threatening language via phone and email before any written validation notice occupy a gray zone the FDCPA was written to address.
Has Brennan and Clark Been Sued
Yes. Federal court records document multiple FDCPA lawsuits naming Brennan & Clark as a defendant across several jurisdictions.
- Edmondson v. Brennan & Clark LLC, No. 4:18-cv-00011-RL-JEM (N.D. Ind.) — plaintiff alleged FDCPA violations in connection with the agency’s debt collection conduct.
- Benjamin v. Brennan & Clark, LTD, LLC, No. 1:18-cv-00497-WKS — FDCPA claims filed in federal court.
- Lieufatt v. Brennan & Clark LTD., LLC, No. 1:15-cv-06794-WFK-MDG (E.D.N.Y.) — FDCPA claims filed in federal court.
- Tripp v. Brennan & Clark, LTD., No. 5:15-cv-00017-GNS-LLK (W.D. Ky.) — FDCPA claims filed in federal court.
- Newton v. Brennan & Clark Ltd., LLC, No. 1:14-cv-02807-MJW (D. Colo.) — FDCPA claims filed in federal court.
When we open a Brennan & Clark file, we request the agency’s initial contact script and all call log timestamps. The pattern of calls before any written notice and the failure to disclose debt-collector status are the two most documentable FDCPA issues in this agency’s complaint record. Agencies that face federal FDCPA litigation across multiple jurisdictions and districts are rarely operating on the edge of one isolated incident. They are agencies where a systematic collection approach has drawn repeated legal challenges.
Does the FDCPA Apply to Brennan and Clark
Brennan & Clark argues on its own website that the FDCPA does not apply to commercial debt collection. That argument has limits that matter for the people actually receiving these calls. The FDCPA covers debt incurred primarily for personal, family, or household purposes. Business debts fall outside that definition, but the classification of the debt depends on how it was incurred, not how the agency labels it.
Two situations bring the FDCPA fully into play even when a debt looks commercial on its face. First, a sole proprietor who personally guaranteed a business obligation may have FDCPA rights because the debt has a personal component. Second, any individual contacted about a business debt who has no liability for that debt carries full FDCPA protections, because they are a consumer being contacted about an obligation they do not owe. The wrong-number and wrong-person complaints documented in Brennan & Clark’s BBB record fall squarely into that second category.
Agencies that pursue commercial debt sometimes use the B2B label as a shield against accountability. The threshold question is always who received the contact and what their relationship to the debt actually is, not what the creditor told the collection agency when it placed the account.
Is Brennan and Clark Banned by the FTC
No. The FTC has not banned Brennan & Clark or taken a formal enforcement action against the agency. The company continues to operate as a licensed commercial collection firm.
The absence of FTC action does not mean the agency operates without legal accountability. The FDCPA authorizes private lawsuits, and the case history above shows consumers and businesses have pursued those claims in federal court across multiple districts. CFPB complaint records also document consumer contact issues with this agency. If calls or messages from Brennan & Clark violated federal disclosure or contact rules, those claims survive without any FTC predicate action. Agencies that draw repeated federal court filings without attracting FTC attention are still accountable through private litigation.
Can Brennan and Clark Report to Your Credit
Brennan & Clark states in multiple BBB responses that the agency does not report to consumer credit bureaus. That statement appears in the formal complaint record. Even so, if a credit entry attributed to this agency appears on your personal credit report, that reporting must comply with the FCRA regardless of the agency’s stated policy.
A credit entry that appeared before any written notice arrived, or that reports a debt you do not recognize, may support both an FDCPA and an FCRA claim. Document the entry, pull the full dispute history, and preserve every piece of correspondence before responding to the agency. Louisiana Recovery is another commercial agency that makes similar reporting representations while consumers still find entries on their reports. The rule is the same: what the agency says it does and what the credit file actually shows are two separate questions.
How The Wood Firm PLLC Helps Stop Brennan and Clark Debt Harassment
The Wood Firm PLLC represents consumers and business contacts who receive collection calls or letters from Brennan & Clark. Our firm examines the initial contact script for required debt-collector disclosures, pulls call log timestamps to verify whether the validation notice arrived within the FDCPA’s five-day window, and reviews any credit report entries for FCRA compliance issues. We handle these cases on contingency. No upfront fees. If Brennan & Clark violated federal law, they pay our fees.
After you call, we gather the documentation, assess whether the conduct supports FDCPA or TCPA claims, and take the case from there. The Wood Firm PLLC has never represented a creditor or collector. Every client is on the consumer side. Reach us directly at +1-844-638-1122.
If Brennan & Clark’s scripted voicemail campaign or repeated calls match what you experienced, visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency. If they violated federal law, they pay our fees.
Your Next Step If Brennan and Clark Has Contacted You
Document every contact before responding. Save the voicemail, screenshot the caller ID, and write down the date and time of each call. If the script never identified the caller as a debt collector, that recording may already be your evidence.
Then check whether a written validation notice arrived within five days of that first call. No letter in that window is a documented FDCPA gap, not just a nuisance. The Wood Firm PLLC reviews these files at no charge, and the contingency structure means you owe nothing unless the case resolves in your favor. Call +1-844-638-1122 to start.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
Frequently Asked Questions
Is Brennan and Clark a legitimate company
Yes, Brennan & Clark is a real commercial collection agency operating since 1980. Legitimate does not mean every collection tactic complies with federal law. Consumer and business contacts alike have filed FDCPA claims against the agency in federal court.
Why does Brennan and Clark keep calling me
Brennan & Clark is calling you because a creditor, most commonly Paychex or an insurance company, placed a past-due business account with the agency. If calls began before any written validation letter arrived, that sequence may violate the FDCPA.
What is the Brennan and Clark lawsuit history
Federal records show multiple FDCPA lawsuits against the agency, including Edmondson v. Brennan & Clark LLC, No. 4:18-cv-00011 (N.D. Ind.). Additional cases were filed in New York, Kentucky, and Colorado federal courts.
Is Brennan and Clark a scam operation
No. The agency is a licensed debt collector with a 40-year operating history. Multiple consumers have reported conduct that resembles a scam, including scripted voicemails that never identify the caller and calls to personal numbers for business debts. Licensed does not mean every tactic is lawful.
Can Brennan and Clark sue my business
Yes. The agency pursues commercial debts on behalf of clients and can refer accounts to litigation. Request proof of the underlying debt before making any payment or agreement.
Does Brennan and Clark report to credit bureaus
The agency states in BBB responses that it does not report to consumer credit bureaus. If a Brennan & Clark entry appears on your personal credit report, that reporting must still comply with the FCRA, and a dispute may be warranted.
What should I do if Brennan and Clark has the wrong number
Tell the agency in writing that it has the wrong contact information and request removal. BBB records show the agency continued calling at least one consumer after multiple verbal notifications. A written record protects you if calls continue.
Does the FDCPA cover commercial debt collection
The FDCPA covers personal, family, and household debts, not business debts. However, individuals who are contacted about a business debt they did not personally owe carry full FDCPA protections. Sole proprietors with personal guarantees may also qualify.
