How to Negotiate With Mandarich Law Group to Settle Debt

You feel stressed, intimidated, and anxious about being sued by Mandarich Law Group. These feelings are completely understandable when you owe debt.

Mandarich Law Group may be persistent in its attempts to collect. You need to know your options and rights before responding.

We’ll show you everything about Mandarich Law Group and how to resolve your debt lawsuit.

What Is Mandarich Law Group?

Mandarich Law Group is a debt collection law firm. The firm represents creditors, banks, and debt collection agencies in lawsuits.

Mandarich Law doesn’t typically own the debts it collects. Instead, the firm acts as a representative for creditors claiming money is owed.

Take any notice from Mandarich Law Group seriously, even if you question the debt’s validity. Ignoring it leads to a default judgment.

A default judgment allows Mandarich to file wage garnishments, bank attachments, or property liens.

Is Mandarich Law Group Legit?

Yes, Mandarich Law Group, LLC is a legitimate debt collection law firm. The group gets hired by creditors like banks or credit card companies.

The firm has been accredited by the Better Business Bureau since 2014. Mandarich currently holds an A+ score.

Here’s Mandarich Law Group’s contact information:

Mandarich Law Group, LLP
PO Box 109032
Chicago, IL 60610
855-441-5983

Use These Tips to Settle Your Debt With Mandarich Law Group

You can still settle the debt even after being sued. Our partner Solo can help you respond and negotiate effectively.

Here are proven debt settlement negotiation tips:

• Respond to the lawsuit before the deadline. Draft and file an Answer with the court. Send a copy to the opposing attorney to block a default judgment. Then reach out to Mandarich Law Group to discuss settlement options.
• Be honest about your debt situation. Bring up other debts and obligations you owe. Explain why you’ve fallen behind on payments. Don’t admit you owe the debt over the phone.
• Don’t make empty threats about bankruptcy. You can use bankruptcy as leverage if it’s truly an option. If it’s not, don’t make things up. Be forthcoming about your situation and intentions to settle.
• Be prepared for several rounds of negotiations. Don’t get discouraged if your first offer isn’t accepted. Stay persistent and keep trying.
• Get everything in writing. Record each offer and counteroffer. When you reach a settlement, get it in writing and file it with the court.

Taking that first step to send an offer is sometimes the hardest part. Technology and professional guidance can simplify the debt settlement negotiation process.

Read Mandarich Law Group Reviews Online

Mandarich Law reviews vary widely across consumer reporting sites. Some report professional handling of cases.

Others describe communication issues or misunderstandings about debt amounts. Individual experiences depend on the specific case and context.

You should know your rights before responding to any contact from Mandarich Law Group. The FDCPA protects you from abusive collection practices.

The FDCPA Protects You From Unruly Debt Collectors

Some debt collectors take advantage of people who don’t know their rights. The Fair Debt Collection Practices Act limits what debt collectors can do.

Mandarich Law Firm must follow these FDCPA rules:

• Debt collectors cannot call your employer or coworkers.
• Debt collectors cannot use vulgar or inappropriate language when contacting you.
• Debt collectors are not allowed to threaten lawsuits they don’t plan to file.
• Debt collectors cannot call you at home before 8 a.m. or after 9 p.m.
• Debt collectors cannot discuss your debt with friends or family, except your spouse.
• Debt collectors cannot lie about the debt amount or surrounding information.

If Mandarich Law Group has violated these rules, report them. File complaints with the FTC, CFPB, or your state’s attorney general.

How to Respond to Mandarich Law Group

If Mandarich Law Group files a lawsuit against you, respond appropriately. Many consumers ignore the lawsuit, thinking it will go away.

Ignoring a lawsuit doesn’t make the problem disappear. If you don’t respond, the debt collector wins by default.

With a default judgment, Mandarich Law can garnish your wages and seize property. Don’t let this happen to you.

You should respond to a debt collection lawsuit before your state’s deadline. Our partner Solo can help you draft and file your Answer quickly.

Follow These Steps to Respond to a Mandarich Law Group Lawsuit

You need to respond within the deadline, regardless of whether the debt is valid. Respond with a written Answer to give yourself a chance to resolve the debt.

Follow these three steps to respond to a debt lawsuit:

1. Respond to each claim in the Complaint. You can admit, deny, or deny due to lack of knowledge. Most attorneys recommend denying as many claims as possible. Ask them to provide evidence that you are the legal debtor.
2. Assert your affirmative defenses. An affirmative defense is any legal reason Mandarich Law Group should not win. The statute of limitations is a common affirmative defense. There are dozens of other defenses you can use.
3. File the Answer with the court and send a copy to Mandarich Law Group. Ensure you file through your local Clerk of the court within the time frame. Send your response to Mandarich Law Group through mail.

Missing the deadline warrants a default judgment, so don’t delay your response.

Use the Statute of Limitations in Your Case Against Mandarich Law

The statute of limitations on debt is the time limit debt collectors have to sue. If your debt’s statute of limitations has expired, you cannot be sued for it.

The statute of limitations is different in every state. Knowing your state’s laws on debt helps you avoid paying debts you don’t owe.

The clock generally begins on the date of your last payment on the account. If you start making payments on an old debt, you restart the clock.

Avoid making payments to debt collectors until you know the debt’s status. You could accidentally revive a debt that was no longer collectible.

Statute of Limitations Example

Bonnie owes an old credit card debt in Oklahoma. After several years of missed payments, the debt gets sold to a collection agency.

The agency is now suing her. She does some research and finds Oklahoma’s statute of limitations on credit card debt is five years.

The last payment she made was six years ago. The debt collectors cannot sue Bonnie for the debt.

She responds to the lawsuit and lists the expired statute of limitations as an affirmative defense. The case gets thrown out.

What to Do if You’re Taken to Court by Mandarich Law

Here are the most important takeaways on responding to a Mandarich Law debt collector and lawsuit:

• Mandarich Law Group is a licensed, legitimate debt collection firm.
• You have rights under the FDCPA to protect yourself from harassment or false claims.
• Always respond to lawsuits and verify the debt’s validity before paying.
• Settlement is possible. Even if you’ve been sued, Mandarich Law will negotiate. They often accept less than the full amount you owe.
• Know your state’s statute of limitations before making any payment.

Dealing with debt collection isn’t easy, but knowledge is power. If you’re contacted or sued by Mandarich Law Group, stay calm.

Know your rights and respond promptly. The first step to settling a debt collection lawsuit is filing your Answer.