How to Settle a Debt With Moore Law Group (2024 Guide)
The Moore Law Group is a debt collection law firm that sues consumers for unpaid debts. You can negotiate and settle your debt for 40-60% of what you owe, even if they've already filed a lawsuit. Don't ignore their letters—respond with a debt validation request and explore settlement options through our partner Solo.
Settle Your Debt NowYou didn’t expect a collection notice from The Moore Law Group. These letters arrive when you least expect them.
Your instinct might be to throw it away. Don’t. Address the issue head-on. You’ll avoid serious legal consequences.
Respond to The Moore Law Group Lawsuit in Minutes
Don't let The Moore Law Group get a default judgment. Our partner Solo helps you respond to their lawsuit and negotiate a settlement before your court date. Most people settle for 40-60% less than they owe.
Answer Your LawsuitThe Moore Law Group is aggressive. But you have options. You can settle your debt for less than you owe.
Who The Moore Law Group Is
The Moore Law Group is a debt collection law firm. They sue people on behalf of creditors like credit card companies.
The company has attorneys, negotiators, and support staff. They operate in California, Colorado, New Mexico, Arizona, and Nevada.
Their mailing address is PO Box 25145, Santa Ana, CA, 92799-5145. You can reach them at (800) 506-2652.
The Moore Law Group claims to collect debts lawfully. Their website offers a payment portal for consumers.
Consumer Complaints About The Moore Law Group
The Moore Law Group has an A+ BBB rating. But they’re not BBB accredited. Seven complaints appear on their profile as of March 2023.
One customer complained about poor communication between departments. Another couldn’t refinance her mortgage due to an unresolved title lien.
A third client claimed harassment. They said representatives visited their home late at night, kicking their doors.
The Consumer Financial Protection Bureau received dozens of complaints. Issues include fraudulent debts, validation problems, and threats.
Here’s a real complaint from the CFPB:
“Moore law group filed a suit to collect a debt and never gave me any opportunity to review the debt. Moreover, they falsely claimed to have served me and filed suit in the incorrect jurisdiction!”
Your Rights Under Federal Law
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive collectors. Debt collectors cannot:
- Call before 8am or after 9pm
- Discuss your debt with family or friends
- Call your work phone if prohibited by your employer
- Threaten legal action they don’t intend to take
- Use vulgar, threatening, or harassing language
- Pretend to be someone they’re not
The Moore Law Group must follow these rules. Violations can cost them money. You might be eligible for compensation if they broke these laws.
What to Do When The Moore Law Group Contacts You
Don’t ignore their letter. Review it carefully and request debt validation immediately.
Debt validation forces them to prove you owe the debt. They must show they have the right to collect it.
Send a Debt Validation Letter
Request these items in your validation letter:
- Proof that you owe the debt
- The original creditor’s name and your account number
- The date of your last transaction
- Calculation of the debt’s age versus your state’s statute of limitations
- Proof that The Moore Law Group owns the debt
- Their debt collection license number in your state
Ask them to stop all communication until they validate the debt. Sometimes collectors can’t provide proper records. If they can’t validate your debt, they must stop contacting you.
Send your validation request within 30 days of receiving their notice. You have stronger legal protections during this window.
They Validated My Debt—What Now?
If The Moore Law Group validates your debt, you have three options. You can pay in full, set up a payment plan, or negotiate a settlement.
Pay in Full
Pay the entire amount if you can afford it. The Moore Law Group will stop collection activities immediately. They’ll report your account as paid in full.
Request a Payment Plan
Monthly payments make large debts more manageable. But read the terms carefully. Watch out for high interest charges. You might pay significantly more over time.
Settle Your Debt for Less
Settlement is often your best option. You pay a fraction of what you owe. The Moore Law Group gets paid faster. Both sides win.
How to Settle With The Moore Law Group
Debt settlement works when both parties compromise. You offer a lump sum payment. They forgive the remaining balance.
Determine how much you can afford upfront. Aim for at least 40% of the total debt. The Moore Law Group might counter your offer. Build room into your initial offer for negotiation.
Our partner Solo makes settling your debt straightforward. You won’t need an expensive attorney.
Settlement Example
Sarah owes $4,000 on an old credit card. The Moore Law Group starts collection activities. Sarah requests debt validation. They provide it.
Sarah can’t pay the full amount. She offers $1,600 (40% of the debt). The Moore Law Group counters with $2,500. Sarah accepts their offer.
The Moore Law Group releases the remaining $1,500. They report her account as settled. Sarah saves $1,500 and ends the collection harassment.
Get Your Settlement Agreement in Writing
Never send money without a written agreement. The settlement letter must include:
- The total debt amount
- Your settlement amount
- Clear statement that payment satisfies the debt in full
- The Moore Law Group’s signature
- Date by which you must pay
Keep copies of everything. You’ll need proof if disputes arise later.
What Happens If You’re Already Being Sued
The Moore Law Group might file a lawsuit against you. Don’t panic. You still have options.
You must respond to the lawsuit within your state’s deadline. Most states give you 20-30 days. Miss this deadline and the court grants a default judgment.
A default judgment allows wage garnishment and bank account levies. You want to avoid this outcome.
Our partner Solo helps you respond to lawsuits and settle before your court date. The service walks you through every step.
Respond to the Lawsuit First
File an Answer with the court. Your Answer addresses each claim in the complaint. You can admit, deny, or state you lack knowledge.
Common defenses against The Moore Law Group include:
- The statute of limitations expired
- You already paid the debt
- The debt amount is incorrect
- The Moore Law Group lacks proper documentation
- You never had an account with the original creditor
Filing an Answer forces The Moore Law Group to prove their case. Many collection lawsuits fall apart when collectors must provide evidence.
Negotiate Settlement During the Lawsuit
You can settle anytime before trial. Settlement during litigation often gets you better terms. The Moore Law Group wants to avoid court costs and attorney time.
Offer 30-40% of the debt initially. The Moore Law Group will likely counter. Be prepared to negotiate up to 50-60% if necessary.
Once you reach agreement, get it in writing. File the settlement agreement with the court. Request dismissal of the case with prejudice.
Don’t Wait to Resolve This Debt
Ignoring The Moore Law Group makes everything worse. They won’t just disappear. They’ll escalate collection efforts.
Without a response, they’ll assume the debt is valid. They’ll file a lawsuit if you don’t pay or settle.
A judgment gives them powerful collection tools. They can garnish your wages. They can freeze your bank accounts. They can place liens on your property.
Be proactive now. Start with debt validation. Then explore your payment options. Our partner Solo simplifies the entire settlement process.
Protect Your Credit Score
Collection accounts damage your credit score. The Moore Law Group already reported your debt to credit bureaus.
Settlement helps limit the damage. A settled account looks better than an unpaid collection. It shows you took responsibility.
After settlement, The Moore Law Group updates your credit report. The account shows as “settled” rather than “unpaid collection.”
Your credit score will gradually improve. Pay all other bills on time. Keep credit card balances low. Your score recovers over time.
Know Your State’s Statute of Limitations
Every state has a statute of limitations on debt. The time limit varies from three to ten years.
The Moore Law Group cannot sue you after the statute expires. But they can still contact you about the debt.
Making a payment restarts the statute of limitations. So does acknowledging the debt in writing. Be careful about what you say and do.
Check your state’s statute before responding. If the debt is time-barred, you have a complete defense in court.
Document Every Interaction
Keep detailed records of all communication with The Moore Law Group. Save every letter, email, and text message.
Log phone calls with dates, times, and names. Write down what was discussed. Note any threats or inappropriate behavior.
These records protect you if The Moore Law Group violates the FDCPA. They also prove your settlement terms if disputes arise.
Take photos of certified mail receipts. Keep copies of cancelled checks. Maintain a dedicated folder for all debt-related documents.