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How to Beat Mandarich Law Group

George Simons | December 11, 2023

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Not sure what to do now that you're being sued by Mandarich Law Group? Don't panic. Learn how to make the right defense and beat Mandarich Law Group in court!

If you are being harassed by Mandarich Law Group, you may be feeling stressed, intimidated, and anxious about the future. These feelings are understandable. When a debt collector hassles you, it can make you feel like you’ve reached your boiling point.

Mandarich Law Group, like other debt collection agencies, may use unethical and inappropriate methods to coerce you into paying what is supposedly owed. In other words, they attempt to intimidate you to cough up the money. That's why Mandarich Law Group will often call you at odd hours of the day, attempt to connect with you on Facebook, and even send threatening letters.

This article will tell you everything you need to know about Mandarich Law Group, its reputation, and how to fight a lawsuit against the group and win.

What is Mandarich Law Group?

Mandarich Law Group, LLC is a debt collection law firm. The group gets hired by creditors, like banks or credit card companies, to collect debts on overdue accounts.

If you need to reach the firm, use Mandarich Law Group’s contact information below:

Mandarich Law Group, LLP
PO Box 109032
Chicago, IL 60610

Mandarich Law Group complaints and reviews give it a bad reputations

Mandarich Law Group is known to use unprofessional and aggressive tactics to collect debts. The debt collection agency is based in the US and has had several consumer complaints filed against it, alleging the company violated the Fair Debt Collection Practices Act.

As of 2022, the Consumer Financial Protection Bureau has received nearly 80 complaints against Mandarich Law Group. Similarly, Better Business Bureau has reported almost 50 complaints against Mandarich Law Group in the last three years alone. In these complaints, consumers claim that Mandarich debt collectors use unethical communication techniques that violate federal law. Sometimes they even try to collect the money you don't owe!

Let’s take a look at a real example from Mandarich Law Group’s BBB profile:

“In 2016 Mandarich Law Group used fake summons and fake court documents to scare me into setting up a payment plan. Then the COVID-19 pandemic happened so I called and asked if I could stop my payment plan until I was in a better position. They agreed and I haven't heard a peep from them for 2 years, the statute of limitations has ended for the debt June 8, 2016 - June 8, 2022. Suddenly today I received a "Writ of Garnishment" from Mandarich Law Group, it was out of the blue, haven't received any correspondence nor phone calls in the past 2 years. This debt was disputed on all major credit bureaus and is not listed as a collection nor public record on any of them.”

If you ever are contacted by Mandarich Law Group, you should know your rights before you give a response.

Respond to your debt collection lawsuit in 15 minutes with SoloSuit.

The FDCPA protects you from debt collectors like Mandarich Law Firm, LLP

Mandarich Law Firm is known to take advantage of people who do not know their rights as stated under the Fair Debt Collection Practices Act. The FDCPA states what debt collectors such as the Mandarich Law Firm can and cannot do. Some of the limits placed on debt collectors include:

  • Debt collectors cannot call or email you at work.
  • Debt collectors such as Mandarich Law Group cannot use vulgar or inappropriate language when they call or mail you.
  • Debt collectors are not allowed to threaten you with a lawsuit if they do not plan to, or cannot, file one.
  • Debt collectors are not allowed to call you at home before 8 a.m. or after 9 p.m.
  • Debt collectors cannot discuss your debt with your friends or family.
  • Debt collectors cannot lie about the debt amount or anything information surrounding the debt.

If Mandarich Law Group has used any of these tactics to get you to pay a debt, you can report them to the FTC, CFPB or your state’s attorney general.

Don't let debt collectors threaten you. Respond with SoloSuit.

How to defend yourself against Mandarich Law Group

If Mandarich Law Group files a lawsuit against you for allegedly outstanding debts, it is vital to respond appropriately. Many consumers, understandably, ignore the lawsuit. But that does not make the problem go away. If you do not respond, the debt collector wins by default and can take action to enforce the judgment. The good news is there are things you can do to fight a lawsuit, and it starts with your Answer.

You have up to 35 days, depending on where you live, to respond to a debt collection lawsuit. If you don’t respond in time, you will lose automatically when Mandarich Law Group, LLC files default judgment against you.

With a default judgment, Mandarich Law can garnish your wages and seize your property. Don’t let this happen. Respond to the case with a written Answer and give yourself a fighting chance. Here’s how.

Follow these steps to respond to a Mandarich Law Group lawsuit

You need to respond to a lawsuit from Mandarich Law Group within the deadline. It doesn't matter if it's valid or not; if you do not respond, you risk losing money anyway through a default judgment.

Follow these three steps to respond to a debt lawsuit against Mandarich Law Group:

  1. Respond to each claim in the Complaint. You can either admit, deny, or deny due to lack of knowledge. Most attorneys recommend that you deny as many claims as possible. Even if you owe them, do not admit the alleged debt. Instead, ask them to provide enough evidence that you are the legal debtor.
  2. Assert your affirmative defenses. An affirmative defense is any legal reason that Mandarich Law Group should not win the case. For example, the statute of limitations is a common affirmative defense to include in an Answer. There are dozens of other defenses you can use to strengthen your side of the case.
  3. File the Answer with the court, and send a copy to Mandarich Law Group. Ensure you file an answer through your local Clerk of the court within the stipulated time frame; missing the deadline warrants a default judgment. Send your court-stamped response to Mandarich Law Group through mail.

Use SoloSuit to respond to a debt collection lawsuit in 15 minutes.

Learn more about these three steps in this video:

Use the statute of limitations in your case against Mandarich Law

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

The statute of limitations is different in every state. SoloSuit has compiled a guide to each state’s statutes on debt. Knowing your state’s laws on debt can help you avoid paying a debt you don’t actually owe or getting sued for it.

The clock on the statute of limitations generally begins on the date of your last payment on the account. So, if you start making payments on an old debt, you will restart the clock on its statute of limitations. For this reason, you should avoid making payments to debt collectors until after you know the debt’s status.

Let’s take a look at an example.

Example: Bonnie owes an old credit card debt in Oklahoma. After several years of missed payments and no communications with the credit card company, Bonnie finds out the debt account has been sold to a debt collection agency who is now suing her. She isn’t sure if the debt is even valid anymore, so she does some research and finds out that Oklahoma’s statute of limitations on credit card debt is five years. The last payment she made on the account was six years ago. This means that the debt collectors cannot sue Bonnie for the debt. She responds to the lawsuit and lists the expired statute of limitations as one of her affirmative defenses, and the case gets thrown out.

Use the statute of limitations as an affirmative defense in your debt lawsuit and win.

What to do if you’re taken to court by a debt collector like Mandarich Law

Like we said before, the first step to winning a debt collection lawsuit is to file your Answer into the case.

Use SoloSuit to draft and file your Answer in minutes.

There are also other ways to beat Mandarich Law Group at their own game. Consider filing a counterclaim. This may be effective if you have proof that the firm violated the FDCPA. If you possess such evidence, you might get compensatory damages and your legal fees paid by the debt collection agency.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

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