McCalla Raymer Leibert Pierce: Who They Are and Your Rights

Type

Collection law firm

Also known as

McCalla Raymer Leibert Pierce, LLC; McCalla Raymer Leibert Pierce, LLP; McCalla

Headquarters

Roswell, GA

Collects

mortgage loans (foreclosure), mortgage claims in bankruptcy, post-foreclosure evictions

Phone numbers it lists

(770) 643-7200

Website

mccalla.com

28 debt collection complaints were sent to the Consumer Financial Protection Bureau about McCalla Raymer Leibert Pierce, LLC 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 McCalla Raymer Leibert Pierce?

McCalla Raymer Leibert Pierce is a law firm headquartered at 1544 Old Alabama Road in Roswell, Georgia. Its website says it provides legal services to the mortgage banking industry and has more than four decades of experience. It lists 19 offices in 18 states, including one in Irving, Texas. Its main number is (770) 643-7200, and the firm's office hours are 9 a.m. to 5 p.m. on weekdays.

Its practice areas are foreclosure, bankruptcy, litigation and eviction, including a national eviction-management service. The site also posts a New York City notice about the collection of unsecured debts from city residents.

Why McCalla Raymer Leibert Pierce May Be Contacting You

For most homeowners, a letter from McCalla means the company servicing your mortgage has referred the loan to the firm. Common reasons include:

• Default and foreclosure: a notice that the loan has been accelerated, that a foreclosure sale is scheduled, or (in judicial-foreclosure states) that a lawsuit has been filed.
• Bankruptcy: filings in your Chapter 13 or Chapter 7 case on behalf of the mortgage holder, such as a proof of claim or a motion for relief from the automatic stay.
• Eviction: after a foreclosure sale, a notice to vacate or an eviction suit on behalf of the new owner.

The firm doesn't own your loan. It represents the lender, investor or servicer named in its letter.

How to Check a Mortgage Debt McCalla Raymer Leibert Pierce Is Collecting

• Validation notice: when the firm is collecting the debt, its first communication or a notice within five days must name the creditor, state the amount and give the dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). A written dispute pauses collection of the disputed amount, but it may not stop a scheduled sale by itself.
• Payoff and reinstatement figures: ask for an itemized figure that separates missed payments, late charges, escrow advances, inspection fees and legal fees. Compare it with your servicer's statements.
• Who owns the loan: ask the servicer for the owner's name; it must give it to you on written request (15 U.S.C. § 1641(f)(2)).
• Loss mitigation: if you have applied for a modification, tell both the servicer and the firm in writing.
• Old defaults: in Texas, a suit or sale to foreclose a lien generally has to come within four years after the debt matures or is accelerated (Tex. Civ. Prac. & Rem. Code § 16.035), and most other debt suits have a four-year limit too (§ 16.004). Other states use different rules. The CFPB has addressed threats to foreclose on time-barred mortgage debt (our summary).

What McCalla Raymer Leibert Pierce Can and Can't Do

FDCPA coverage of foreclosure lawyers is narrower than for other collectors. In Obduskey v. McCarthy & Holthus LLP (2019), the Supreme Court held that a business engaged only in nonjudicial foreclosure is not a "debt collector" for most of the Act. Section 1692f(6) still applies to it. Texas foreclosures are usually nonjudicial. But a firm that also demands payment, files collection suits or handles unsecured debts can be covered under the general definition, as with any lawyer who regularly collects (Heintz v. Jenkins, 514 U.S. 291 (1995)). Where the FDCPA applies:

• It may not threaten to take your home when there is no present right to it or no intent to do so (15 U.S.C. § 1692f(6)).
• It may not misstate the amount needed to reinstate or pay off the loan (15 U.S.C. § 1692e(2)).
• Once you have a lawyer, it must communicate with your lawyer instead (15 U.S.C. § 1692c(a)(2)).

We did not find a CFPB enforcement action against McCalla Raymer Leibert Pierce. If a foreclosure sale date is set, act quickly and consider talking to a lawyer.

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 McCalla Raymer Leibert Pierce 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

• McCalla Raymer Leibert Pierce: home page
• McCalla Raymer Leibert Pierce: About
• Obduskey v. McCarthy & Holthus LLP, No. 17-1307 (U.S. 2019) (Cornell LII)
• CFPB enforcement actions (full list reviewed)
• CFPB Consumer Complaint Database: McCalla Raymer Leibert Pierce, LLC, debt collection

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