The Sayer Law Group, P.C. is a law firm that represents national, regional and local clients in litigation, foreclosure, bankruptcy, eviction and title matters in 18 states, including Texas. It takes payments on behalf of some clients.
- Type
- Collection law firm
- Also known as
- The Sayer Law Group, P.C.; Sayer Law Group
- Phone numbers it lists
- (319) 529-9466
- Website
- sayerlaw.com
18 debt collection complaints were sent to the Consumer Financial Protection Bureau about The Sayer Law Group, P.C. 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 Sayer Law Group?
The Sayer Law Group, P.C. is a law firm that says it serves national, regional and local clients in litigation, foreclosure, bankruptcy, evictions, title curative work, regulatory compliance and related matters. It lists 18 states where it does this work: Alaska, Arkansas, Colorado, Idaho, Illinois, Iowa, Minnesota, Missouri, Montana, Nebraska, New Mexico, North Dakota, Oklahoma, South Dakota, Tennessee, Texas, Wisconsin and Wyoming. Its website carries an advertising disclosure required by the Supreme Court of Iowa.
The firm's published number is (319) 529-9466. Its site says online payments are available for some clients and tells people who are unsure whether they can pay online to call the office. We did not find a CFPB enforcement action against The Sayer Law Group.
Why The Sayer Law Group May Be Contacting You
The firm's practice areas point to secured lending and housing. You might hear from it if a lender or loan servicer has referred a defaulted mortgage for foreclosure, if a landlord or property owner has hired it for an eviction, or if you have filed bankruptcy and it represents one of your creditors. It may also contact you about paying a balance on behalf of a client, since its site has a payment page.
The firm's website does not name its clients, so the first thing to do is find out whom it represents and what account the letter concerns.
How to Check a Debt The Sayer Law Group Says You Owe
- Ask for the validation information. If the firm is collecting a consumer debt, it must give you a notice naming the creditor and stating the amount, and you can dispute in writing within the validation period (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). See what a validation notice is.
- For a mortgage, ask for a payoff and reinstatement figure and a loan history, and compare them with your servicer's statements. Fees for property inspections, attorneys and foreclosure costs should be itemized.
- For an eviction or rent claim, compare the claimed rent and fees with your lease and payment receipts.
- Verify any court case. If the letter mentions a lawsuit or foreclosure sale date, look up the court or county records yourself.
- Know the time limits. In Texas, suits on most debts must be brought within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). The other states where the firm practices set their own periods.
What The Sayer Law Group Can and Can't Do
A law firm that regularly collects consumer debts, including by litigation, is a "debt collector" under the FDCPA (Heintz v. Jenkins, 514 U.S. 291 (1995)). Firms whose only role is enforcing a security interest, such as a non-judicial foreclosure, are treated differently: the Supreme Court held in Obduskey v. McCarthy & Holthus LLP, 139 S. Ct. 1029 (2019), that they are covered only by § 1692f(6) of the Act. When a firm also seeks money from you, the broader rules apply:
- It cannot misstate what you owe or add unauthorized fees (15 U.S.C. §§ 1692e(2), 1692f(1)).
- It cannot threaten to take property it has no present right to take (15 U.S.C. § 1692f(6)).
- It cannot contact you directly if it knows a lawyer represents you on the debt (15 U.S.C. § 1692c(a)(2)).
Our Texas FDCPA attorneys page explains how we review collection conduct.
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 The Sayer 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
- The Sayer Law Group: home page
- The Sayer Law Group: About the firm
- CFPB enforcement actions list (checked pages 1-17)
- CFPB Consumer Complaint Database: The Sayer Law Group, P.C., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that The Sayer Law Group has violated any law. Company details change; tell us if something here is out of date.