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How to Respond to a Benuck and Rainey Letter

Sarah Edwards | November 15, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Benuck and Rainey is a debt collection agency that might even sue you for owing a debt. Luckily, you can ask debt collectors to validate your debt and stop them in their tracks. If you really owe the debt, you still have options to resolve it through debt settlement. SoloSuit can help you respond to a Benuck and Rainey letter, no matter what stage of the collection process you find yourself.

If you’re like most Americans, you’ve run into times when it’s hard to make ends meet. Maybe you’re in one of those times right now. If you are, getting repeated calls from debt collectors certainly isn’t helping anything.

When you get a call from Benuck and Rainey Inc. (or any debt collector), it’s easy to jump into panic mode, thinking the only way to relieve the stress is to pay the debt immediately. But you might not realize that you have other options — and some of them might mean you have to pay nothing at all. Here’s our guide to resolving your debt with Benuck and Rainey.

What is Benuck and Rainey?

The name might make it sound like a law firm, but Benuck and Rainey is actually a collection agency. Its website says that it uses a “diplomatic, respectful and proven collection approach,” but as you’ll see in a moment, that’s not what most consumers seem to think.

The company was founded in 2004 in New Hampshire, and its headquarters are located at 25 Concord Road, Lee, NH 03861. Below is a video of Benuck and Rainey’s headquarters, for reference.

The Benuck and Rainey phone number is 888-697-5566, but it doesn’t always call from that number — consumers have stated that Benuck and Rainey collectors often call from other numbers (and sometimes even blocked numbers). The company collects medical, credit card, and other kinds of consumer debt.

Who does Benuck and Rainey collect for?

Benuck and Rainey collect for creditors, banks, and lenders in the following industries:

  • Commercial
  • Construction Services
  • Financial
  • Insurance
  • Leasing Companies
  • Manufactures
  • Medical
  • Telecommunications

So if you’ve used any service connected to any of these industries and failed to pay, there is a good chance you will be contacted by Benuck and Rainey.

Benuck and Rainey reviews and complaints

A quick look at its BBB profile shows you that Benuck and Rainey Inc. has a rating of A+. That might sound promising, but keep in mind that customer reviews and ratings don’t factor into a BBB rating.

That being said, Benuck and Rainey has fewer BBB complaints than most debt collectors we’ve seen. On the other hand, the Consumer Financial Protection Bureau (CFPB) complaint database reports dozens of complaints against Benuck and Rainey. These complaints covered several different issues, but here are some common trends:

  • Refusing to verify debt when asked
  • Hanging up on consumers after being asked for their names
  • Trying to pressure consumers to give them banking information over the phone
  • Mailing letters about debt to employers (rather than to the consumers themselves)
  • Consumers receiving bills from Benuck and Rainey after never receiving bills from the original creditor
  • ttempted to collect debts that had already been discharged

Some complaints say the company made threats — one Benuck and Rainey representative allegedly told a consumer they would be dishonorably discharged from the military if they didn’t pay!

Benuck and Rainey has a Google reviews rating of 1.9 out of 5 stars. Below are some real examples of Benuck and Rainey reviews:

Even the (former) employees of this company seem to agree that Benuck and Rainey doesn’t respect the consumers it contacts. One Indeed review by a former employee stated that “the FDCPA doesn’t seem to matter much” to Benuck and Rainey. The FDCPA is the Fair Debt Collection Practices Act, a law that limits the tactics collectors can use and protects your rights as a consumer.

What to do if Benuck and Rainey says you owe money

So what if you get a Benuck and Rainey letter saying you owe a certain amount? Even if you can afford to pay it right away, don’t. The FDCPA allows you to ask a debt collector to verify that you owe a debt.

Once you’ve made a verification request in writing, the company must stop harassing you about the debt until it sends verification. If a collector can’t provide the requested verification, you aren’t legally required to pay.

You can make this request with a Debt Validation Letter. In this letter, you need to request six separate things:

  • The name of the original creditor (the company you initially owed money to)
  • An actual copy of the contract you signed with that creditor
  • The exact amount the company claims you owe
  • The last transaction made on the account
  • Proof that the collection agency has the legal right to collect the debt
  • The debt collector’s license number to operate in your state

Draft a Debt Validation Letter online in minutes.

Once you send the letter, you need to wait for Benuck and Rainey to respond. There are a few different ways the process usually goes. To better understand them, let’s consider an example.

Example: Tom gets a letter from Benuck and Rainey saying he owes $550 on an old credit card. He doesn’t think that sounds quite right, so he uses SoloSuit to send the company a Debt Validation Letter. If Tom is correct in thinking he never actually owed that debt, Benuck and Rainey won’t be able to verify it. In this case, the company will stop bothering him. But if Benuck and Rainey does send proof that he owes the $550, he might not have to pay it all. In this case, Tom uses SoloSettle to ask if the company would accept $450.


Instead of speaking directly with the debt collector or filling out complicated paperwork, you can use SoloSettle to negotiate your way out of debt. Simply sign up and make an initial offer, and SoloSettle guide you through a settlement agreement.

Watch the following video to learn more about how to settle your debt.

Resolve your debt with Benuck and Rainey

Debt (whether you actually end up owing it or not) is never pleasant to deal with. And while it might be tempting to ignore the problem and hope it goes away, that’s never a good idea. With SoloSuit’s help, you can make Benuck and Rainey Inc. verify you owe what it says you do. You might even end up owing less than you think!

If Benuck and Rainey has already filed a lawsuit, it isn't too late to settle your debt.

Settle with SoloSettle

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Not sued yet?

Use our Debt Validation Letter.


Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.


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