Mandarich Law Group: Who They Are and Your Rights

Type

Collection law firm

Also known as

Mandarich Law Group, LLP; Mandarich Law

Headquarters

Chicago, IL

Collects

credit cards, personal loans, student loans, fintech accounts, auto deficiency balances, business loans and lines of credit

Phone numbers it lists

(855) 441-5983, (877) 285-4918

Website

mandarichlaw.com

285 debt collection complaints were sent to the Consumer Financial Protection Bureau about Mandarich Law Group, LLP 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 Mandarich Law Group?

Mandarich Law Group, LLP is a law firm whose practice is collecting debts for creditors. Its website says the firm is headquartered in Chicago, with a payment address at PO Box 109032, Chicago, IL 60610, and branch locations in Woodland Hills (California), Williamsville (New York), Kansas City (Missouri), Brighton (Michigan), Las Vegas, Kennesaw (Georgia), Lake Mary (Florida), Newark (Ohio), Washougal (Washington) and Charlotte.

The firm lists the states where it has one or more licensed attorneys: Alaska, California, Florida, Georgia, Hawaii, Idaho, Illinois, Iowa, Kansas, Michigan, Missouri, Nebraska, Nevada, New York, North Carolina, Ohio, Oregon, South Carolina and Washington. Texas isn't on that list. Its website states that it collects both consumer and commercial debt and that it "represents both Original Creditors and Debt Buyers."

Why Mandarich Law Group May Be Contacting You

Mandarich says it handles credit cards, personal loans, student loans, fintech accounts, auto deficiency balances (what's left after a repossessed car is sold), and business loans and lines of credit. Its FAQ explains that the creditor named in its letter may be a debt buyer rather than the company you originally borrowed from, which is why you might not recognize the name.

The firm describes three stages: pre-litigation (demand letters, calls, settlement), litigation (filing and serving lawsuits, getting judgments) and post-judgment enforcement. A Mandarich letter can therefore be a demand, a settlement offer, or a sign that a lawsuit is being considered or has been filed. Its consumer number is (855) 441-5983, and its contact page also lists (877) 285-4918. It accepts disputes by phone, mail or email.

How to Check a Debt Mandarich Law Group Says You Owe

A letter from a law firm can feel more urgent than one from an agency, but the same verification rights apply.

• Read the validation notice carefully (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). It should identify the current creditor, the original creditor if different, and the balance.
• Dispute in writing within the validation period and ask for documents showing the current creditor owns your account, such as the bill of sale and the account-level assignment. The firm must stop collecting until it verifies the debt.
• Check whether any court papers have actually been filed. If you've been served, the deadline to answer runs from service, not from the letter; see our debt lawsuit questions.
• For an auto deficiency, ask for the repossession and sale notices and how the sale price was credited.
• Compare the balance with your last statement from the original lender.
• Check the date you defaulted. Texas generally allows four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer can't sue on a time-barred consumer debt in Texas (Tex. Fin. Code § 392.307). Other states have their own deadlines.

What Mandarich Law Group Can and Can't Do

Lawyers who regularly collect consumer debts are "debt collectors" under the FDCPA, including when they litigate. Heintz v. Jenkins, 514 U.S. 291 (1995). For a firm like Mandarich, that means:

• A letter on law-firm letterhead must reflect real attorney involvement; a letter can't falsely suggest a lawyer reviewed your file (15 U.S.C. § 1692e(3)).
• It can't threaten or file suit on a time-barred debt (12 C.F.R. § 1006.26(b)).
• Its website lists wage garnishment as a possible post-judgment step, but in Texas a judgment for an ordinary consumer debt can't be collected by garnishing wages (Tex. Const. art. XVI, § 28), and many kinds of property are exempt.
• Calls are limited to seven in seven days on one debt (12 C.F.R. § 1006.14(b)(2)).
• Once it knows you have a lawyer for the debt, it generally must communicate with your lawyer instead of you (15 U.S.C. § 1692c(a)(2)).

If you think the firm's letters or lawsuit crossed a line, our FDCPA attorneys can review them.

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 Mandarich Law Group 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

• Mandarich Law Group: home page
• Mandarich Law Group: About
• Mandarich Law Group: FAQ
• Mandarich Law Group: Contact us
• CFPB Consumer Complaint Database: Mandarich Law Group, LLP, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Mandarich Law Group has violated any law. Company details change; tell us if something here is out of date.