O. Randolph Bragg


Rand has prosecuted cases on behalf of consumers against firms such as:

  • General Electric Capital Auto Lease
  • Diversified Collection Services
  • Midwest Billing Services
  • Finance Service of Norwalk
  • Payco-General American Credit
  • Credit Bureau, Inc.
  • American Credit Exchange
  • Transworld Systems
  • National Telewire Corp.
  • Online Information Services
  • GC Services
  • First Credit Resources
  • Surety Acceptance Corp.
  • Equifax Check Services
  • First Credit Resources
  • Rapid Collection Systems

Primary Practice Focus

Rand Bragg takes an active role in advocating consumer interests before the courts, Congress and administrative agencies.

Rand Bragg brings decades of experience as a consumer law advocate to the clients of Horwitz, Horwitz & Associates. Rand has devoted his nationwide practice to protecting the rights of consumers, especially through class action lawsuits that involve abuse by third-party debt collectors. Such a collector is not the original business or employee of the business where an obligation arose, but an outside collector who becomes involved later on. The Fair Debt Collection Practices Act protects consumers from abusive practices and provides remedies when third-party collectors overstep the boundaries of the law.

In-Depth Look

Raised in north central Pennsylvania and central West Virginia, Rand attended Fairmont State College in Fairmont, W. Va., and West Virginia University College of Law in Morgantown.

Before he joined Horwitz, Horwitz & Associates in the late 1990s, Rand was a solo consumer law practitioner. Earlier in his career, he was the litigation coordinator of the United Auto Workers Services Plan in Newark, Del.; the executive director of Lehigh Valley Legal Services in Allentown, Pa.; the deputy director of Northern Pennsylvania Legal Services in Scranton, and a project director for the Senior Citizens Law Project at the Pennsylvania Legal Services Center.