Debt collection can be a stressful experience, and facing a lawsuit from a firm like Mandarich Law Group can make things even worse. You might be wondering, is Mandarich Law Group legit? The short answer is yes, they are a legitimate law firm that collects debts on behalf of creditors. However, their methods and reputation raise some red flags for many consumers.
Aggressive Tactics and Consumer Complaints
Mandarich Law Group has received its fair share of complaints from consumers. These complaints often center around allegedly aggressive collection tactics. People report receiving calls at odd hours, being contacted through social media, and even receiving threatening letters. The Better Business Bureau (BBB) profile for Mandarich Law Group reflects these concerns, with numerous complaints alleging unprofessional and harassing behavior.
For example, one consumer reported that Mandarich Law Group attempted to collect on a debt that was already paid in full. Another described being contacted relentlessly despite disputing the validity of the debt. These experiences highlight the importance of understanding your rights and how to deal with debt collectors.
The Fair Debt Collection Practices Act (FDCPA)
Thankfully, there are laws in place to protect consumers from abusive debt collection practices. The Fair Debt Collection Practices Act (FDCPA) prohibits collectors from using harassing, deceptive, or unfair means to collect a debt. Here are some key ways the FDCPA can protect you from Mandarich Law Group (or any other debt collector):
- Limits on communication: Debt collectors can only contact you at reasonable hours (generally between 8 am and 9 pm) and cannot contact you at your workplace if your employer prohibits it.
- Restrictions on communication methods: Collectors cannot contact you through text messages or social media without your consent. They are also limited in how often they can contact you.
- Truthful communication: Debt collectors cannot lie to you about the amount of the debt, your legal rights, or the consequences of not paying.
How to Fight Back Against Mandarich Law Group
If you’re being harassed by Mandarich Law Group, there are steps you can take to fight back. These steps include:
- Understanding your rights: Familiarize yourself with the FDCPA and your rights as a debtor.
- Document everything: Keep a record of all communication with Mandarich Law Group, including dates, times, and the content of phone calls and letters.
- Respond in writing: If you believe Mandarich Law Group is violating the FDCPA, send them a letter demanding they cease and desist their harassing behavior. You can find sample letters online or consult with an attorney.
- Consider legal action: If Mandarich Law Group continues to harass you after you’ve requested them to stop, you may consider filing a complaint with the Consumer Financial Protection Bureau (CFPB) or suing them in court.
The Statute of Limitations and Debt Collection:
In many cases, there is a time limit (known as the statute of limitations) on how long a debt collector can sue you to collect a debt. This time limit varies depending on your location and the type of debt. If the statute of limitations has expired on your debt, Mandarich Law Group cannot legally sue you. It’s important to research the statute of limitations in your state for the specific type of debt you’re facing.
For example, in California, the statute of limitations for credit card debt is four years. This means that a debt collector generally cannot sue you to collect on a credit card debt that is more than four years old.
What to Do If You’re Taken to Court
If Mandarich Law Group does sue you, it’s crucial to respond to the lawsuit. Ignoring a lawsuit will likely result in a default judgment against you, which would allow Mandarich Law Group to garnish your wages or seize your assets.
Here are some steps to take if you’re sued by Mandarich Law Group:
- Hire an attorney: Consider consulting with an attorney specializing in debt collection defense. They can advise you on your best course of action and represent you in court.
- Dispute the debt: If you believe the debt is not yours or that there are errors in the amount, file a written answer with the court disputing the debt.
- Gather evidence: Collect any documentation you have that supports your case, such as proof of payment, cancellation notices, or evidence that the statute of limitations has expired.
The Bottom Line
While Mandarich Law Group is a legitimate law firm, their collection tactics have raised concerns for many consumers. If you’re being harassed by Mandarich Law Group, understand your rights under the FDCPA and take steps to fight back. Remember, knowledge is power. The more you understand about debt collection laws and your rights, the better equipped you will be to deal with Mandarich Law Group or any other debt collector.
Here are some additional resources that you may find helpful:
- The Federal Trade Commission (FTC) provides information and resources on debt collection laws and your rights as a consumer: https://www.ftc.gov/
- The Consumer Financial Protection Bureau (CFPB) allows you to submit complaints about debt collectors: https://www.consumerfinance.gov/
- Your state Attorney General’s office may also offer resources and assistance with debt collection issues.
Remember, you are not alone. Many people face debt collection issues, and there are resources available to help you. Don’t be afraid to take action and fight back against Mandarich Law Group or any other debt collector who is harassing you.