Who Called From 312-251-2300?
Short answer: 312-251-2300 is a number used by Harris & Harris, Ltd. (Harris & Harris), a third-party collection agency based in Chicago, IL — chicago, il office line. They are almost certainly trying to collect a debt, most often government / municipal debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 312-251-2300?
The number 312-251-2300 is used by Harris & Harris, Ltd. (chicago, il office line), a third-party collection agency in Chicago, IL. For the full company profile — ownership, history, and known aliases — see our complete Harris & Harris, Ltd. guide. This page focuses on the calls coming from 312-251-2300 specifically.
About this specific number
- 📞 Number: 312-251-2300 (area code 312, ending in 2300)
- 📍 Line type: Direct-dial — resolves to the 312 area code.
- 🏢 Operator: Harris & Harris, Ltd., a third-party collection agency in Chicago, IL.
- 🔢 Related lines: Harris & Harris, Ltd. is documented using 3 numbers in our directory, so calls may also come from other digits.
312-251-2300 is a direct-dial number tied to the 312 area code, which is why the call may have appeared "local" on your caller ID even though Harris & Harris, Ltd. operates out of Chicago, IL.
Consumers frequently search "312-251-2300" the moment it rings. If you found this page that way, the safest next move is to say nothing by phone and demand Harris & Harris, Ltd. put everything in writing.
On your caller ID, in voicemails, or in letters, this company can also appear as: Harris & Harris, Harris and Harris, H&H.
Why Is Harris & Harris Calling Me From 312-251-2300?
In our directory, 312-251-2300 is tracked as a chicago, il office line for Harris & Harris, Ltd., which typically collects government / municipal debt, utilities, healthcare. A call from 312-251-2300 usually happens because:
- ✅ An original account (a government / municipal debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with Harris & Harris, Ltd. to collect on behalf of the original creditor.
- ✅ Harris & Harris, Ltd. is now dialing you from 312-251-2300 and possibly other lines to reach a resolution.
Calls from 312-251-2300 often come at the start and end of the business day. Reports around 312-251-2300 often describe repeated daily calls. If Harris & Harris, Ltd. is calling you more than seven times in a week about a single debt, that pattern alone may cross into harassment. Some consumers only notice 312-251-2300 after it has called dozens of times. You can send Harris & Harris, Ltd. a written request to communicate by mail only — that alone can quiet the phone while you investigate. Either way, the burden is on Harris & Harris, Ltd. to document the debt behind 312-251-2300.
Important: a phone call — even from a real number like 312-251-2300 — does not prove you owe the debt, that the amount is correct, or that Harris & Harris, Ltd. can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 312-251-2300
Anything you say to Harris & Harris can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 312-251-2300 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from Harris & Harris, Ltd..
Don't agree to a payment on the spot
A single payment to Harris & Harris, Ltd. — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 312-251-2300.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 312-251-2300. Any legitimate Harris & Harris, Ltd. resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 312-251-2300 caller. If it truly is your Harris & Harris, Ltd. account, they should already have what they need and must prove it.
What To Do If 312-251-2300 Keeps Calling
Here are concrete next steps for this specific Harris & Harris, Ltd. line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Pull your Equifax, Experian, and TransUnion reports to see whether the Harris & Harris, Ltd. account tied to 312-251-2300 is actually being reported.
- 2
Ask, in writing, that Harris & Harris, Ltd. identify the original creditor behind the 312-251-2300 calls and the date the debt was opened.
- 3
If you believe the 312-251-2300 debt is not yours, dispute it in writing and request that Harris & Harris, Ltd. cease reporting until it is verified.
Your Rights When Harris & Harris Calls From 312-251-2300
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send Harris & Harris a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If Harris & Harris, Ltd. reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 312-251-2300: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that Harris & Harris, Ltd. stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, Harris & Harris generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Harris & Harris from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 312-251-2300
We investigate the specific Harris & Harris, Ltd. account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the Harris & Harris account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Harris & Harris, Ltd.. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
312-251-2300 — Frequently Asked Questions
Who is calling me from 312-251-2300?
312-251-2300 is a direct-dial line associated with Harris & Harris, Ltd. (also seen as Harris & Harris), a third-party collection agency headquartered in Chicago, IL and operating since 1968. The number resolves to the 312 area code. If you received a call from 312-251-2300 — often showing the last four digits 2300 on your screen — it is very likely Harris & Harris, Ltd. attempting to reach you about a debt they say you owe, most often government / municipal debt, utilities, healthcare.
Is 312-251-2300 a scam number?
Harris & Harris, Ltd. is a real, registered company, and 312-251-2300 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Harris & Harris, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 312-251-2300?
You are not legally required to answer 312-251-2300 or call Harris & Harris, Ltd. back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, Harris & Harris, Ltd. must pause collection until it mails you proof of the debt.
Why is Harris & Harris, Ltd. calling me about government / municipal debt?
A call from 312-251-2300 usually means an original government / municipal debt went unpaid and was placed with Harris & Harris, Ltd., which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop Harris & Harris, Ltd. from calling 312-251-2300?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Harris & Harris, Ltd. to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 312-251-2300 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Harris & Harris, Ltd. is calling about?
Do not pay anything based on a call from 312-251-2300 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About Harris & Harris, Ltd.
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