What Blitt & Gaines does

Blitt & Gaines, P.C. is a full-service collections law firm headquartered in Vernon Hills, Illinois, founded in 1990 by Fred N. Blitt. The firm provides legal collections, creditor bankruptcy representation, consumer and commercial litigation, FDCPA defense, judgment domestication and enforcement, and replevin/detinue services on behalf of creditor clients including banks, credit card companies, and financial institutions. It maintains nine physical offices across Arizona, Illinois (Vernon Hills headquarters and Naperville branch), Indiana (Indianapolis and Merrillville), Iowa (Urbandale), Kansas (Kansas City), Missouri (St. Louis), and Wisconsin (Milwaukee), with attorneys licensed to practice across nine states plus federal courts. The firm employs 50+ attorneys, including the founder Fred N. Blitt (a Certified Public Accountant) and Jan B. Gaines (a named partner since 1995), supported by a partner group handling COO and CCO functions.

The firm operates a partnership-owned professional services model (no PE/VC ownership disclosed) and generates revenue primarily through legal fees charged to creditor clients for collections representation. It supplements its core legal services with consumer-facing digital tools — an online payment portal (BGPAYMENT.com) for scheduling one-time or recurring ACH payments, a StratusPayments-powered settlement negotiation platform, and a 24/7 contact form — though these are self-contained payment/intake utilities rather than an integrated technology platform. Pricing is not publicly disclosed and is negotiated on a case-by-case basis given the variability in case complexity, jurisdictional requirements, and amounts involved. The firm actively participates in national and state-level creditors bar associations, including leadership positions at the National Creditors Bar Association and Creditors Bar Coalition of Illinois, supporting legislative advocacy at both state and federal levels.

Name

Blitt & Gaines

Legal name

Blitt & Gaines, P.C.

Website

https://blittandgaines.com

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

251–500 employees

Short description

Blitt & Gaines, P.C. is a Vernon Hills, Illinois-based creditors' rights law firm serving banks, credit card companies, and financial institutions across nine U.S. states with debt collection, litigation, bankruptcy, and FDCPA defense services, supported by 50+ attorneys and consumer-facing online payment tools.

Ownership category

akta.pro rank

Product category

Legal Collections Services

NAICS

Collection Agencies (561440), Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Legal Collections Support (Pre-Lit, Litigation Admin, Judgment Recovery) (BPAAAEAH)

akta.pro secondary industries

Legal Collections & Litigation Support (Judgments, Garnishments) (FSAKAJAD), Third-Party Collection Agencies (Consumer) (FSAKAJAB), Compliance, Audit & Regulatory Services for Collections (FSAKAJAL)

Keywords

• Legal debt collection
• Creditor rights law
• Consumer litigation services
• FDCPA defense
• Judgment enforcement

Headquarters

HQ city

Vernon Hills

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Legal Collections Services: The firm provides legal collections representation to creditor clients, assisting them in resolving past-due obligations of their customers through litigation, negotiation, and debt recovery services. Revenue is generated through legal fees charged to creditor clients for collections representation.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Blitt & Gaines, P.C. is a full-service collections law firm that provides legal representation to creditors for the recovery of past-due consumer debts, including debt collections, creditor bankruptcy representation, consumer and commercial litigation, FDCPA defense, judgment domestication and enforcement, and replevin/detinue. The firm supports these legal services with digital tools (BGPAYMENT.com payment portal and a StratusPayments negotiation platform) that allow consumers to make payments, set up payment plans, and review settlement offers.

Product overview

Blitt & Gaines, P.C. is a full-service collections law firm offering legal services rather than a technology product. The firm's core service offerings include debt collections, creditor bankruptcy representation, consumer and commercial litigation, FDCPA defense, judgment domestication and enforcement, and replevin/detinue. The firm provides client-facing digital tools including an online payment portal (BGPAYMENT.com) for making payments, a payment negotiation platform (StratusPayments) for reviewing settlement offers, and an online contact form for customer communication. These digital tools support the firm's core legal services but do not constitute a unified platform architecture.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Collections Legal representation for creditors seeking recovery of past-due consumer debts, including pre-suit collections, negotiation, and litigation. Service is delivered to creditor clients (banks, credit card companies, financial institutions) across nine U.S. states.
• Creditor Bankruptcy Representation Legal representation for creditors in bankruptcy proceedings, including proof-of-claim filings, motions, objections to discharge, and related bankruptcy court work. Targeted at creditor clients (banks, credit card companies, financial institutions).
• Consumer Litigation Litigation services on behalf of creditor clients in consumer debt matters, including lawsuits to obtain judgments against consumer debtors. Targeted at creditor clients seeking judicial recovery.
• Commercial Litigation Commercial litigation services provided by the firm, distinct from consumer debt litigation. Targeted at business clients of the firm.
• FDCPA Defense Defense of creditor clients against Fair Debt Collection Practices Act (FDCPA) claims and counterclaims, leveraging the firm's compliance infrastructure and CCO oversight. Targeted at creditor clients facing consumer-side FDCPA exposure.
• Judgment Domestication and Enforcement Legal services to domesticate and enforce judgments across state lines, including post-judgment collection actions. Targeted at creditor clients holding judgments in jurisdictions beyond the original venue.
• Replevin/Detinue Legal representation in replevin and detinue actions for recovery of personal property held under credit or lease arrangements. Targeted at creditor clients in collateral recovery scenarios.
• Online Payment Portal (BGPAYMENT.com) Self-service online payment platform that allows customers to make payments on their accounts, schedule single payments or a series of payments, and submit payments via ACH/bank account transfers. Accessible 24/7 through the firm's website. Targeted at consumer debtors making payments on accounts being serviced by the firm.
• Payment Negotiation Platform (StratusPayments) Online platform built on Stratus Payments infrastructure that enables customers to review settlement offers available to resolve their accounts and negotiate payment terms with the firm. Targeted at consumer debtors seeking to settle outstanding accounts.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered major and minor.

• National Creditors Bar Association (NCBA)majorOthersFred Blitt served as Past President of the National Creditors Bar Association, a Washington D.C.-based trade association representing the nation's best debt collection attorneys. Barbara Nilsen is President and member of the Executive Committee of NCBA. The firm maintains active membership and involvement in this industry organization.
• Creditors Bar Coalition of IllinoismajorOthersFred Blitt is a founding member of the Creditors Bar Coalition of Illinois, an organization designed to work with lobbyists in Springfield, Illinois to review and develop laws and regulations specific to the legal collections industry. Multiple partners including Barbara Nilsen, Rachel Auerbach, Michael Starzec, and Jesse Bernstein are members.
• Illinois Creditors Bar AssociationmajorOthersMichael Starzec is President Emeritus of the Illinois Creditors Bar Association, a state bar association comprised of creditors rights attorneys. Multiple firm partners including Jan Gaines, David Olefsky, and Jesse Bernstein maintain active membership.
• Indiana Creditors Bar AssociationminorOthersDavid Olefsky maintains membership in the Indiana Creditors Bar Association as part of the firm's multi-state practice.
• Receivables Management Association InternationalminorOthersMultiple partners including Jan Gaines, David Olefsky, Barbara Nilsen, Christopher Low, and Jesse Bernstein maintain membership in the Receivables Management Association International.
• Various State Bar AssociationsminorOthersFirm attorneys maintain membership in multiple state bar associations including Illinois State Bar Association, Wisconsin Bar Association, Iowa State Bar Association, Missouri Creditors Bar Association, Kansas Creditor Attorney Association, and others.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Weltman, Weinberg & Reis Co., LPA: A long-standing Ohio-based creditors' rights law firm offering collections, bankruptcy, foreclosure, and litigation services. Highly comparable as a multi-jurisdictional creditor-side legal collections firm serving banks, credit card issuers, and financial institutions.
• The Law Offices of Daniel C. Consuegra, P.L. A Florida-based creditors' rights law firm providing foreclosure, bankruptcy, and collections services. Comparable as a mid-size creditor-side legal firm with similar multi-practice offerings.
• Sessoms & Rogers, P.A. A North Carolina-based creditors' rights law firm focused on debt collection, foreclosure, and bankruptcy representation. Comparable as a regional creditor-side firm with similar practice mix and creditor client base.
• Pressler, Felt & Warshafsky, LLP: A New Jersey-based creditor law firm providing debt collection, consumer and commercial litigation. Directly comparable as a creditor-side collections practice with a multi-state litigation footprint.
• McCarthy, Burgess & Wolff: An Ohio-based creditors' rights law firm offering collections, foreclosure, bankruptcy, and litigation services. Comparable in scale and as a multi-state creditor-side legal collections practice.
• Blakeley LLP: A California-based creditors' rights and bankruptcy law firm serving lenders, servicers, and financial institutions. Comparable as a creditor-side legal collections firm with a multi-state practice and similar service offerings.
• Zucker & Goldberg, LLP: A New Jersey-based creditors' rights law firm specializing in debt collection, consumer litigation, and FDCPA defense. Directly comparable as a creditor-side collections practice serving financial institutions across multiple jurisdictions.

Broad incumbents

• Brock & Scott, PLLC: A large multi-state default services and creditors' rights law firm with national coverage, offering foreclosure, bankruptcy, eviction, and collections. Comparable as a larger creditor-side legal services provider in an overlapping practice area.
• Encore Capital Group: A large publicly traded debt buyer and recovery company that purchases defaulted consumer receivables and collects through its subsidiaries. Comparable as a major competitor for creditor-placed accounts but operating via a debt-buying rather than contingency legal collections model.

Emerging players

• TrueAccord: A digital-first, technology-driven debt collection platform using machine learning and consumer-friendly digital outreach. Comparable as an emerging competitor addressing the same creditor clients with a non-legal, lower-cost alternative to traditional collections law firms.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Blitt & Gaines