The Law Offices of Timothy M. Sullivan is a debt collection and creditors' rights law firm in Cleveland, Ohio, founded in 2005. It handles higher-education, government, consumer and commercial collections in Ohio and Kentucky.
- Type
- Collection law firm
- Also known as
- Law Offices of Tim Sullivan; Law Offices of Timothy Sullivan
- Headquarters
- Cleveland, OH
- Collects
- higher-education accounts, government receivables, consumer accounts, commercial accounts
- Phone numbers it lists
- (216) 762-1700
- Website
- timsullivanlaw.com
52 debt collection complaints were sent to the Consumer Financial Protection Bureau about Law Offices of Timothy M. Sullivan from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is the Law Offices of Timothy M. Sullivan?
The firm describes itself as "a debt collection and creditors' rights law firm" providing legal services in Ohio and Kentucky, and says it handles other jurisdictions through a network of attorneys. Its About page says it was founded in 2005 and lists its office at 18013 Cleveland Parkway Drive, Suite 180, Cleveland, Ohio 44135, with a main number of (216) 762-1700. Its Kentucky-area attorneys use (513) 602-4499.
Timothy M. Sullivan is president and managing attorney. According to the firm, he served as a Navy JAG attorney before entering the collection industry in 2000, is president of an affiliate, HS Financial Group, and serves as Special Counsel to the Ohio Attorney General. The site's footer states that communications from the firm are from a debt collector.
We did not find a CFPB enforcement action against the Law Offices of Timothy M. Sullivan.
Why the Law Offices of Timothy M. Sullivan May Be Contacting You
The firm says it works in four areas: higher education, government, consumer and commercial collections. Its stated mission is managing and liquidating "distressed or charged-off accounts." A letter from it may concern:
- A balance owed to a college or university, such as unpaid tuition or fees.
- A debt owed to a state or local government body.
- A charged-off consumer account, such as a loan or credit card.
Because it is a law firm, it may also file suit, typically in Ohio or Kentucky courts.
How to Check a Debt the Law Offices of Timothy M. Sullivan Says You Owe
For a school account, ask for the student ledger showing each term's charges, financial aid credits and payments. Tuition balances often change when aid is reversed or a withdrawal is processed, so look for those entries. For a government account, ask what agency the debt is owed to and what the charge was for.
The validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34) must name the creditor and itemize the balance. Dispute in writing within the validation period if the amount is wrong or the debt isn't yours, and ask whether the creditor still owns the account.
Look at the age of the debt. If you live in Texas, most consumer debt suits must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Ohio, Kentucky and other states apply their own limitation periods.
What the Law Offices of Timothy M. Sullivan Can and Can't Do
Attorneys who regularly collect consumer debts are covered by the FDCPA (Heintz v. Jenkins, 514 U.S. 291 (1995)). Debts owed directly to a government or for a business purpose may fall outside the FDCPA, so ask what kind of debt you are dealing with.
- A collection suit on a consumer debt must be filed where you live or where you signed the contract (15 U.S.C. § 1692i).
- It may not threaten to sue if it does not intend to (15 U.S.C. § 1692e(5)).
- It must stop contacting you directly once it knows you have a lawyer for the debt (15 U.S.C. § 1692c(a)(2)).
- It may not misstate the amount or legal status of a debt (15 U.S.C. § 1692e(2)(A)).
Have questions? See our FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Law Offices of Timothy M. Sullivan or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Law Offices of Tim Sullivan: home page
- Law Offices of Tim Sullivan: About
- Law Offices of Tim Sullivan: Services
- BBB business profile: Law Offices of Timothy M. Sullivan
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Law Offices of Timothy M. Sullivan, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Law Offices of Timothy M. Sullivan has violated any law. Company details change; tell us if something here is out of date.