Mitchell D. Bluhm & Associates, also called MBA Law, is a Sherman, Texas company listed as both a collection agency and a law office. If it is contacting you, a creditor or debt owner has placed an account with it for collection.
- Type
- Collection law firm
- Also known as
- The Law Offices of Mitchell D. Bluhm & Associates; Mitchell D. Bluhm & Associates, LLC; MBA Law
- Headquarters
- Sherman, TX
89 debt collection complaints were sent to the Consumer Financial Protection Bureau about The Law Offices of Mitchell D. Bluhm & Associates 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 Mitchell D. Bluhm & Associates?
Mitchell D. Bluhm & Associates, LLC is a Texas limited liability company based in Sherman, in Grayson County north of Dallas. Its Better Business Bureau profile gives its address as 1313 North Travis Street, Suite 103, Sherman, Texas 75092, and lists two other names: "The Law Office of Mitchell D. Bluhm & Associates" and "MBA Law." The profile lists it under both collection agencies and lawyers, and says the business started in November 2008 after it was formed in April 2008.
The CFPB's complaint database lists the company as "The Law Offices of Mitchell D. Bluhm & Associates." We couldn't read a public website for the firm, so this profile doesn't list a phone number. Use the address and phone number printed on your own letter, and confirm them against the BBB listing or the State Bar of Texas directory before you send money.
Why Mitchell D. Bluhm & Associates May Be Contacting You
The firm doesn't publish a client list we could verify. A letter from it will name the creditor and give an MBA account or reference number. That creditor may be the business you originally dealt with or a company that later bought the account. Since the firm is a law office, the letter may say a lawsuit is possible. Treat any court papers separately: if you've been served with a petition, the answer deadline runs from the date of service, not from any letter (see what to do first if you're sued).
How to Check a Debt Mitchell D. Bluhm & Associates Says You Owe
With a company you've never heard of, start by confirming who it is collecting for and why.
- Get the validation notice. Federal rules require a notice listing the creditor, the account and an itemized balance, plus a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing if anything is off. Ask for the original creditor's name, the account number, the last statement and a payment history. Send it before the deadline and keep proof of mailing.
- Find out who owns the account now. If it was sold, ask for the documents showing the transfer to the current owner. See why an unfamiliar company may be suing you.
- Check the date of default. Texas generally sets a four-year limit to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer can't sue on a consumer debt once that period runs (Tex. Fin. Code § 392.307). Other states use different periods.
What Mitchell D. Bluhm & Associates Can and Can't Do
A law office that regularly collects consumer debts is a debt collector under the FDCPA, even when it files lawsuits (Heintz v. Jenkins, 514 U.S. 291 (1995)). Texas also requires most third-party debt collectors to file a surety bond with the Secretary of State (Tex. Fin. Code § 392.101); see whether collectors must be licensed in Texas. Under these laws, the firm:
- May not threaten arrest or jail over an unpaid consumer debt (15 U.S.C. § 1692e(4)).
- May not tell your employer, friends or family about the debt, except to find your contact information (15 U.S.C. § 1692c(b)).
- Must stop calling at times or places it knows are inconvenient, including at work if your employer forbids it (15 U.S.C. § 1692c(a)).
- Is presumed to harass if it calls more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
We did not find a CFPB enforcement action against Mitchell D. Bluhm & Associates. Our FDCPA attorneys page explains when a collector's conduct may give you a claim.
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 Mitchell D. Bluhm & Associates 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
- BBB business profile: Mitchell D. Bluhm & Associates, LLC (address, alternate names, start date)
- CFPB enforcement actions list (checked all pages)
- CFPB Consumer Complaint Database: The Law Offices of Mitchell D. Bluhm & Associates, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Mitchell D. Bluhm & Associates has violated any law. Company details change; tell us if something here is out of date.