Proud Member Of & Recognized By
Since 1974
Trusted Higher-Education Partners
One of the oldest privately held corporations in the nation dedicated exclusively to third-party educational debt recovery.
HomeAbout Us
Trusted Higher-Education Partners Since 1974
Five decades of specialized expertise in campus-based collection services for colleges and universities nationwide.
From Rock Hill to the Nation
Todd, Bremer & Lawson traces its origins to July 5, 1974, when James Harold Todd and Thomas Larry Gregory founded the company as Todd, Gregory & Associates in Rock Hill, South Carolina. The Firm quickly formed a foundational partnership with Winthrop University — TB&L’s first business partner and a lasting business relationship.
Following a pivotal ownership transition in 1976, the company was renamed TODD, BREMER & LAWSON, INC., with Hal Todd, Norm Bremer, and Charles Lawson as stockholders. Hal Todd was appointed president and led the Firm’s expansion and multiple relocations within Rock Hill, reflecting steady growth and a strong commitment to the local community.
In 1989, Hal became the sole stockholder and guided TB&L through decades of transformation in the credit and collections industry. In 2022, second-generation leadership was formalized when Shannon Todd Golightly and Kelly Todd Swicord each acquired a 20% ownership interest, preserving continuity, governance stability, and long-term alignment with the needs of colleges and universities nationwide.
1974
Founded as Todd, Gregory & Associates. First partner: Winthrop University.
1976
Renamed Todd, Bremer & Lawson, Inc. Hal Todd appointed president.
1989
Hal Todd becomes sole stockholder, leading decades of industry transformation.
2022
Shannon Todd Golightly & Kelly Todd Swicord each acquire 20% ownership.
Client Testimonials
What Institutions Say
“
I could not be happier with the folks at Todd, Bremer, & Lawson, Inc. They respond to my many questions and have been extremely helpful in educating me about collections processes. TBandL are patient and very responsive with every interaction. They are knowledgeable about the compliance and regulatory requirements regarding collections. They go above and beyond in terms of customer service.
University of Virginia
“
Texas A&M University–College Station has worked with Todd, Bremer, & Lawson, Inc. since 1994. All interactions have been professional, friendly, and informative. TBandL thoroughly address any issues I may have regarding a regulation or account matter, as well as draw my attention to questions I may not have considered.
Texas A&M University
“
I work daily with Todd, Bremer, & Lawson, Inc. and appreciate all they do for our students and clients. I value the work they do for our department, their feedback, the way they conduct business when assisting our students and clients, and their willingness to go the extra mile for our university.
Colorado State University
PLEASE NOTE: You will need the reference number from your letter and your last name.
If you are in a hurry to have your hold released or if you need a transcript, DO NOT continue on this website; call our office at 1-877-427-6544.
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Our Expertise
Campus-Based & Institutional Portfolio Management
TODD, BREMER & LAWSON, INC. has provided third-party collection services to higher education institutions continuously since December 16, 1974, exceeding the required five years of experience in the recovery of National Direct Student loans and Federal Perkins loans, Health Professions and Nursing loans, institutional student loans, and other university receivables.
TB&L manages campus-based and institutional portfolios for public and private universities nationwide and maintains documented expertise in Title IV accounting requirements, student-consumer entitlement protections, deferment and cancellation processing, and federal and state compliance standards.
Operational workflows within the Flexible Automated Collection System (FACS®) collection platform support interest calculation under federal regulations, rehabilitation tracking, credit bureau reporting, and reconciliation with the creditor business offices, ensuring alignment with creditor policies and audit expectations.
Federal Perkins Loans
Full lifecycle management including deferment, cancellation, and Title IV compliance.
Health & Nursing Loans
Health Professions, Nursing, and Nurse Faculty loan recovery with specialized handling.
Institutional Loans
Private and institutional student loan portfolios managed with full audit documentation.
FACS® Platform
Federal-regulation-compliant interest calculation, rehabilitation tracking, and bureau reporting.
Value-Added Service
Structured Credit Reporting Governance
TODD, BREMER & LAWSON, INC. delivers value-added services beyond basic third-party collections through a structured, compliance-driven credit reporting governance framework designed to protect the creditor’s reputation, ensure regulatory adherence, and reduce dispute and audit risk.
Accounts receivable balances exceeding $500 — or such lower reporting threshold as may be established by the creditor at the client level — are reported to a credit bureau repository in full compliance with the Fair Credit Reporting Act (FCRA) using the secure e-OSCAR® platform and the Metro 2® reporting format established by the Consumer Data Industry Association.
FCRA Compliance
Prior to reporting, student-consumers receive clear and timely notice of intent to report, satisfying FCRA disclosure requirements.
Multi-Layer Data Scrub
Validates identity and screens for deceased individuals, active bankruptcies, active-duty military, and other statutory exemptions.
e-OSCAR® Platform
Metro 2® reporting format. All disputes received, investigated, and resolved within required FCRA timelines.
Audit-Ready Documentation
Minimizes regulatory exposure, enhances data integrity, and delivers compliance value beyond routine collection services.
Dispute Resolution
FCRA-Aligned Dispute Management
TODD, BREMER & LAWSON, INC. maintains a structured, auditable dispute-resolution process aligned with Fair Credit Reporting Act (FCRA) requirements and credit bureau standards.
Credit reporting disputes submitted through e-OSCAR® are received electronically and logged within the Flexible Automated Collection System (FACS®) collection platform for tracking and response management.
Dispute Resolution Process
1
Receipt & Logging
Disputes submitted through e-OSCAR® are received electronically and logged within FACS® for tracking and response management.
2
Review & Validation
Each dispute is reviewed against placement data, account history, payment records, and creditor documentation to validate accuracy and completeness.
3
Response Transmission
Verified responses are transmitted back through e-OSCAR® within required regulatory timeframes, including corrections, updates, or deletions where warranted.
4
Creditor Escalation
Disputes requiring creditor input are escalated promptly for review and instruction, ensuring transparent audit trails for both the creditor and the student-consumer.
Please read the following information before continuing.
By accessing this portal, you acknowledge that you are authorized to view and manage the account information associated with your organization.
If you need immediate assistance, experience difficulty accessing your account, or require support regarding account information, please contact our office at 1-800-849-6669 before continuing.
This portal provides access to client account information and related services through a secure third-party hosting provider.
Please Note
- Access to this portal is restricted to authorized users only.
- Information contained within the portal may be confidential and protected by applicable privacy and data security laws.
- Unauthorized access, use, or disclosure of information is strictly prohibited.
- Activity within the portal may be monitored for security and compliance purposes.
By Clicking “I Agree” You Acknowledge That
- You are an authorized representative with permission to access the portal.
- You understand that you are leaving Todd, Bremer & Lawson, Inc. and entering a third-party hosted system.
- Todd, Bremer & Lawson, Inc. is not responsible for the content, availability, or operation of the third-party portal.
- You accept responsibility for maintaining the confidentiality of your login credentials and any information accessed through the portal.
Please click the button below to continue to the secure client portal.
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HomeServices
Our Services
Specialized collection services exclusively for higher education institutions — the TB&L difference.
What We Do
Campus-Based Collection Services
TODD, BREMER & LAWSON, INC. has provided third-party collection services to higher education institutions continuously since December 16, 1974, exceeding the required five years of experience in the recovery of National Direct Student Loans and Federal Perkins Loans, Health Professions and Nursing loans, institutional student loans, and other university receivables.
TB&L manages campus-based and institutional portfolios for public and private universities nationwide and maintains documented expertise in Title IV accounting requirements, student-consumer entitlement protections, deferment and cancellation processing, and federal and state compliance standards.
Operational workflows within the Flexible Automated Collection System (FACS®) platform support interest calculation under federal regulations, rehabilitation tracking, credit bureau reporting, and reconciliation with creditor business offices — ensuring alignment with institutional policies and audit expectations.
01
Campus-Based Collections
Focused exclusively on higher education institutions. We understand the unique relationship between schools and their students, ensuring every interaction is handled with professionalism and care.
02
Contingency Fee Model
No recovery, no fee. Our service is charged as a contingency, meaning TB&L gets paid only when your institution does. Zero upfront cost, maximum alignment of interests.
03
24/7 Account Placement
New delinquent accounts can be submitted at any time through our secure client portal. We interface seamlessly with all major third-party billing servicers.
04
Federal Loan Programs
Deep expertise in Federal Perkins Loans, Health Profession Loans, Nursing Loans, and Nurse Faculty Loans — among the most complex programs in higher education.
05
Institutional & Private Loans
Comprehensive recovery services for institutional loans, private education loans, parking obligations, and general consumer receivable balances.
06
Reporting & Analytics
Real-time reporting through the client portal. Track account status, recovery progress, and financial summaries — all in one place, available 24/7.
07
Compliance-First Approach
Every interaction follows strict FDCPA, FERPA, FCRA, TCPA, and SCRA protocols. Annual third-party audits and SOC 2 Type II certification keep your institution protected.
08
Nationwide Coverage
We are licensed in all states that require it, with a dedicated team and established processes ensuring consistent service quality from coast to coast.
09
Consumer Communication
Professional, respectful outreach to consumers via phone, mail, and digital channels — protecting your institution's reputation while maximizing recovery outcomes.
Areas of Expertise
Programs We Service
Federal Perkins Loans
Health Profession Loans
Nursing Loans
Nurse Faculty Loans
Institutional Loans
Private Education Loans
Parking Obligations
Consumer Receivable Balances
Office
P.O. Box 36788
Rock Hill, SC 29732-0512
HomeSMS/MMS Opt-In
SMS/MMS Opt-In
Information collected here is never shared or sold by Todd, Bremer & Lawson, Inc. You may unsubscribe at any time.
HomeACA Board Election
Niel Welborn Elected to ACA International’s National Board of Directors
Representing higher education collection priorities at the highest level of industry policy development.
Industry Leadership
Active Governance at the National Level
TODD, BREMER & LAWSON, INC. delivers value-added services beyond traditional third-party collection activity through active leadership and direct participation in the credit and collection industry governance.
At ACA International’s 2025 Council of Delegates meeting, held in advance of the ACA Convention & Expo in Louisville, Niel Welborn was elected to ACA International’s national Board of Directors. This election ensures representation of the operational realities and compliance priorities of public universities, private colleges, seminaries, and trade schools at the highest level of collection industry policy development.
Board of Directors participation provides early visibility into regulatory trends, enforcement expectations, and emerging best practice standards, enabling institutions of higher education to benefit from proactive risk mitigation, informed operational alignment, and strategic advocacy that extends well beyond conventional third-party recovery services.
Early Regulatory Visibility
Regulatory trends, enforcement expectations, and emerging best practice standards.
Proactive Risk Mitigation
Informed operational alignment for institutions of higher education.
Strategic Advocacy
Advocacy that extends beyond conventional third-party recovery services.
HomeACA International
ACA International
The Association of Credit and Collection Professionals — TB&L’s commitment to ethical and compliant collection practices.
Membership
ACA International
The Association of Credit and Collection Professionals. TB&L is a proud member committed to ethical and compliant collection practices.
Join ACA International
ACA International Board of Directors
Niel Welborn, PCS, IFCCE
Vice President — Sales & Service, Todd, Bremer & Lawson, Inc.
Niel Welborn is a Director on the ACA International Board of Directors, serving from July 23, 2025 through July 31, 2028. He is recognized for his commitment to ethical collection standards that benefit all stakeholders in the higher education collections sector.
His election was praised by colleagues as a way to strengthen ACA International’s leadership and ensure the board is well-equipped to guide the industry into the future.
At Tbandl.com, we are committed to ensuring digital accessibility for all users, including individuals with disabilities. We continually work to improve the user experience for everyone and to apply relevant accessibility standards across our website.
Our Commitment to Accessibility
We believe every person deserves equal access to information, services, and online experiences with dignity, independence, and ease of use. To support this commitment, we have invested resources and technology designed to enhance the accessibility and usability of our website.
Accessibility Features
Tbandl.com utilizes the UserWay Accessibility Widget, powered by a dedicated accessibility server, to help improve compliance with the Web Content Accessibility Guidelines (WCAG) 2.2 AA. The accessibility menu can be activated by selecting the accessibility icon located in the corner of the website.
Ongoing Efforts
We are continually working to improve the accessibility of our website and services. While we strive to make all content fully accessible, some pages or features may not yet meet the highest accessibility standards.
Need Assistance?
If you experience difficulty accessing any part of our website, encounter an accessibility issue, or need assistance, we are here to help.
Email: Collect@tbandl.com | Phone: 877-427-6544
This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector.
Todd, Bremer & Lawson, Inc. may contact you regarding any account at the email address or any future telephone number that is provided to REPAY® including your wireless mobile device using automated telephone dialing equipment or artificial or pre-recorded voice or text messages.
We are required under state law to notify consumers of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law.
State-Specific Consumer Rights
Todd, Bremer & Lawson, Inc. (“TBL,” “we,” “our,” or “us”) is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information when you visit our website at https://www.tbandl.com and when you communicate with us through text messaging (SMS/MMS) and other business communications.
By using our website or providing your information to us, you acknowledge the practices described in this Privacy Policy.
1. Introduction & Contact Information
This Privacy Policy applies to personal information processed by Todd, Bremer & Lawson, Inc. in connection with our website and communications services.
Todd, Bremer & Lawson, Inc. — P.O. Box 36788, Rock Hill, SC 29732
Phone: 877-427-6544 | Email: collect@tbandl.com
2. Information We Collect
Personal Information may include: name, mobile telephone number, email address, mailing address, account-related information, records of communications, and SMS consent and opt-in records.
Information Collected Automatically: When you visit our website, our hosting provider may collect IP address, browser type, device information, and date/time of access. We do not use advertising technologies, behavioral tracking tools, or marketing pixels.
We do not intentionally collect sensitive personal information through our website.
3. SMS Communications & Consent
We may collect your mobile telephone number and consent information when you voluntarily opt in to receive SMS/MMS communications. We use this information solely for account communications, customer service notifications, payment-related communications, and other authorized communications.
SMS Consent Protection: Text messaging opt-in data, consent records, and mobile telephone numbers will not be sold, rented, shared, or disclosed to third parties for marketing or promotional purposes.
4. How We Use Your Information
We use personal information to communicate regarding accounts and services, provide customer support, send authorized SMS messages, maintain consent records, comply with legal obligations, protect against fraud, and establish or defend legal claims. We do not use personal information for targeted advertising or behavioral profiling.
5. How We Share Your Information
We may share information with trusted service providers including: Hostinger (website hosting), Microsoft (email and productivity), and FACS – Flexible Automated Collection Software (business operations). These providers may access information only as necessary and are required to maintain confidentiality.
We may also disclose information when required by law. We do not sell personal information.
6. Data Security & Retention
We maintain reasonable administrative, technical, and physical safeguards to protect personal information. We retain information only as long as necessary to fulfill business purposes, comply with legal obligations, resolve disputes, and enforce agreements.
7. Your Privacy Rights
Depending on your location, you may have the right to know what information we collect, access or correct your information, request deletion where permitted, and withdraw consent. Contact us at collect@tbandl.com or 877-427-6544.
8. Opting Out of Text Messages
You may withdraw consent to receive SMS/MMS communications at any time by replying STOP to any text message, or by calling 877-427-6544. You may receive one final confirmation message after opting out.
9. Children’s Privacy
Our website and services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13.
10. Changes to This Privacy Policy
We may update this Privacy Policy periodically. Any updates will be posted on this page with a revised “Last Updated” date. Continued use of our website constitutes acceptance of the revised Policy.
Questions or Complaints
Todd, Bremer & Lawson, Inc. — P.O. Box 36788, Rock Hill, SC 29732
Phone: 877-427-6544 | Email: collect@tbandl.com
By providing your mobile telephone number and opting in to receive text messages from Todd, Bremer & Lawson, Inc., you expressly consent to receive SMS and MMS communications regarding your account and our services at the number you provide.
Communications May Include
- Account notifications
- Payment reminders
- Account updates
- Customer service communications
- Other information related to services provided by Todd, Bremer & Lawson, Inc.
Message frequency may vary depending on your account activity and communication preferences.
Message & Data Rates
Message and data rates may apply to text messages sent to you and messages you send to us. Charges are determined by your wireless carrier and your mobile service plan.
Opting Out
You may opt out of receiving text messages at any time by:
- Replying STOP to any text message you receive from us, or
- Contacting our office at 1-877-427-6544
After opting out, you may receive a final confirmation message confirming your removal from future text communications.
Help & Support
For assistance regarding text messaging communications:
- Reply HELP to any message you receive from us, or
- Contact our office at 1-877-427-6544
Privacy & Data Use
Your text messaging consent, mobile number, and related personal information will be used solely for communication purposes authorized by you. Todd, Bremer & Lawson, Inc. does not sell, share, transfer, or distribute SMS opt-in information or consent to third parties for marketing or promotional purposes.
For additional information, please review our Privacy Policy.
Changes to These Terms
Todd, Bremer & Lawson, Inc. reserves the right to modify or update these Terms & Conditions at any time. Any updates will be posted on this page with the revised effective date.