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How to Negotiate With Mandarich Law Group to Settle Debt

George Simons, JD/MBA Hannah Locklear Greg Anjewierden
Written by George Simons, JD/MBA , Edited by Hannah Locklear , Fact-checked by Greg Anjewierden
Last updated on May 21, 2026

Summary: To negotiate with Mandarich Law Group, gather debt details, respond to your lawsuit, record each communication, be honest, avoid empty threats, be persistent, and get agreements in writing. Use SoloSettle to start the negotiation process now.

If you are being sued by Mandarich Law Group, you may be feeling stressed, intimidated, and anxious about the future. These feelings are understandable. When you owe debt, it can feel like you're in hot water. And if you don't recognize the debt, it may feel like you’ve reached your boiling point.

Mandarich Law Group, like other debt collectors, may be persistent in its attempts to get you to pay off the debt. This article will tell you everything you need to know about Mandarich Law Group, its practice, reviews, and how to resolve a debt lawsuit.


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What is Mandarich Law Group?

Mandarich Law Group is a debt collection law firm, which means it represents creditors, banks, and debt collection agencies in suing people who owe them. Mandarich Law doesn’t typically own the debts it collects. Instead, it acts as a representative for creditors or debt purchasers who claim that money is owed.

If you receive notice from Mandarich Law Group, take it seriously, even if you’re unsure about the debt’s validity. Ignoring it can lead to a default judgment, which may allow Mandarich to file a wage garnishment, bank attachment, or property lien in order to recover the judgment.

Is Mandarich Law Group legit?

Yes, Mandarich Law Group, LLC is a legit 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
855-441-5983

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Use these tips to settle your debt with Mandarich Law Group

Even if you've already been sued for the debt and received a notice from Mandarich Law Group in the mail, you can still settle the debt to resolve the lawsuit. Here are some debt settlement negotiation tips from an attorney:

  • Respond to the lawsuit before the deadline. Draft and file an Answer with the court and 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 debt and obligations you owe. This will demonstrate a good faith effort to resolve the debt. Don't be afraid to paint a story for the lawyers, explaining why you've fallen behind on payments and why it's the best deal for them to accept your settlement offer. While you want to be honest about other obligations and hard times, it's best to not admit that you owe the debt over the phone.
  • Don't make empty threats about bankruptcy. You can use bankruptcy as leverage if it's really an option for you, but if it's not, don't make things up. It's best to be forthcoming about your situation and intentions to settle. Mandarich Law will probably work with you.
  • Be prepared to go through several rounds of negotiations before you reach an agreement. Don't get discouraged if your first offer isn't accepted. This is totally normal, so be persistent and keep trying.
  • Get everything in writing. Try to record each offer and counteroffer. And when you reach a settlement, get it in writing and file it with the court in your debt lawsuit case.

Taking that first step to send the offer is sometimes the hardest part. Luckily, SoloSettle can simplify and speed up the debt settlement negotiation process. SoloSettle uses AI and tech to send and receive settlement offers until an agreement is reached.

Watch the following video to learn more about these tips and how to settle debt with Mandarich Law Group:

Read Mandarich Law Group reviews online

Mandarich Law has been accredited by the Better Business Bureau since 2014 and currently has an A+ score. Mandarich Law reviews vary widely. Some report professional handling; others describe communication issues or misunderstandings. As with any law firm or collection agency, individual experiences depend on the case and context.

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

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

The FDCPA protects you from unruly debt collectors

Some debt collectors are 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, including Mandarich Law Firm, can and cannot do. Some of the limits placed on debt collectors include:

  • Debt collectors cannot cal your employer or coworkers.
  • 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, other than your spouse.
  • 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 respond to 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 should respond to a debt collection lawsuit before your state's deadline. 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 chance to resolve the debt outside of court. 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 and subsequent wage garnishment.

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 response to Mandarich Law Group through mail, and check with your court's clerk if the copy needs to be court-stamped or not.

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

Here are the most important takeaways on how to respond 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 to help you resolve the debt. In many cases, they are willing to accept less than the full amount you owe, but you may have to go through several rounds of negotiations before you reach an agreement.
  • 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.

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

Use SoloSuit to draft and file your Answer in minutes.


>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)



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Frequently asked questions about Mandarich Law Group

Who is Mandarich Law Group?

Mandarich Law Group, LLP is a debt collection law firm headquartered in Chicago, Illinois. The firm represents creditors, banks, credit card companies, and debt buyers in lawsuits to recover unpaid debts. Mandarich does not typically own the debts it collects. Instead, it files lawsuits on behalf of clients in state courts across the United States from offices in multiple states.

Is Mandarich Law Group legit?

Yes, Mandarich Law Group, LLP is a legitimate debt collection law firm, not a scam. The firm has been accredited by the Better Business Bureau since 2014 and currently holds an A+ BBB rating. Mandarich is licensed to practice law in multiple states and represents creditors in actual debt collection lawsuits filed in state courts. Always verify any alleged debt before making payments.

Who does Mandarich Law Group represent?

Mandarich Law Group represents creditors, banks, credit card issuers, and debt buyers in collection lawsuits. The firm acts as legal counsel for companies that claim consumers owe them money, including original creditors and third-party debt portfolio purchasers. Mandarich does not own the debts it collects. Check the Summons and Complaint you received to identify the specific plaintiff Mandarich represents in your case.

Why is Mandarich Law Group contacting me?

Mandarich Law Group is contacting you because one of its creditor clients claims you owe a debt. The firm typically reaches out by mail with a notice of intention to sue or by serving you with a Summons and Complaint if a lawsuit has already been filed. Do not ignore any communication from Mandarich, even if you do not recognize the debt.

What should I do if Mandarich Law Group is suing me?

If Mandarich Law Group is suing you, file a written Answer with the court before your state's deadline, which is typically 14 to 30 days from the date of service. In your Answer, respond to each numbered claim, raise affirmative defenses such as expired statute of limitations, and serve a copy on Mandarich Law Group to prevent a default judgment.

How long do I have to respond to a Mandarich Law Group lawsuit?

The deadline to respond to a Mandarich Law Group lawsuit ranges from 14 to 30 days depending on your state. The countdown begins on the date you were served with the Summons and Complaint and typically includes weekends and holidays. Missing this deadline allows Mandarich to request a default judgment for the full amount claimed plus court costs and interest.

What happens if I ignore Mandarich Law Group?

If you ignore Mandarich Law Group after being sued, the court will likely enter a default judgment against you, which means you automatically lose the case. A default judgment allows Mandarich to garnish your wages, freeze your bank account, place liens on real property, and seize non-exempt assets to satisfy the judgment, depending on your state's laws.

Where is Mandarich Law Group located?

Mandarich Law Group, LLP is headquartered in Chicago, Illinois, with additional offices in Kennesaw, Georgia; Lake Mary, Florida; Las Vegas, Nevada; Williamsville, New York; and Woodland Hills, California. The firm files debt collection lawsuits in state courts across the United States. The main Chicago mailing address is PO Box 109032, Chicago, IL 60610.

What is Mandarich Law Group's phone number?

Mandarich Law Group's main phone number is 855-441-5983. The firm can also be reached by mail at PO Box 109032, Chicago, IL 60610. If you have been contacted by Mandarich Law Group, communicate in writing whenever possible and keep records of every voicemail, letter, and email for use as evidence in a debt validation dispute or potential lawsuit.

Can I negotiate a settlement with Mandarich Law Group?

Yes, Mandarich Law Group regularly negotiates debt settlements on behalf of its creditor clients, often accepting less than the full balance to resolve cases without trial. File your Answer first to prevent a default judgment, then send a written settlement offer. Tools like SoloSettle allow you to negotiate in writing without speaking to Mandarich Law Group by phone.

What percentage will Mandarich Law Group accept as a settlement?

Mandarich Law Group typically accepts settlement offers between 40% and 60% of the original debt balance, though debt buyer cases often settle as low as 10% to 30%. The exact percentage depends on the age of the debt, the creditor client, your financial situation, and how far the lawsuit has progressed. Always get any settlement agreement in writing.

Can I sue Mandarich Law Group for FDCPA violations?

Yes, you can sue Mandarich Law Group for violations of the Fair Debt Collection Practices Act. Common FDCPA violations include calling before 8 a.m. or after 9 p.m., threatening lawsuits the firm cannot legally file, discussing your debt with friends or family, or misrepresenting the debt amount. Successful FDCPA suits can recover up to $1,000 plus attorney fees.

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