Silverman Theologou LLP is a law firm focused on creditors' rights and collections, with offices in Maryland, Virginia, California and Florida. A letter or lawsuit from it usually means a creditor hired the firm to collect an unpaid consumer account.
- Type
- Collection law firm
- Also known as
- Silverman Theologou, LLP; Silverman Theologou LLP
- Headquarters
- North Bethesda, MD
- Collects
- consumer collections, commercial collections, replevin and detinue actions
- Phone numbers it lists
- (301) 468-4990, (804) 381-4616, (213) 226-6922, (954) 368-0323
- Website
- silvermanlegal.com
34 debt collection complaints were sent to the Consumer Financial Protection Bureau about Silverman Theologou, 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 Silverman Theologou?
Silverman Theologou LLP is a law firm that describes its practice as focused on creditors' rights, collections, foreclosure and corporate law. Its website names attorneys Gary S. Silverman and Milt Theologou. The firm's metro office is at 11200 Rockville Pike, Suite 520, North Bethesda, Maryland, and it lists additional offices in Mechanicsville, Virginia (near Richmond), Los Angeles, California and Boca Raton, Florida.
According to its website, the firm's attorneys are licensed in Maryland, Virginia, the District of Columbia, Pennsylvania, West Virginia, North Carolina, Texas, Florida, California and Washington. Not every attorney is licensed in every state; the site notes, for example, that the two named partners are not licensed in Florida.
Why Silverman Theologou May Be Contacting You
The firm lists its services as consumer and commercial collections, replevin and detinue (court actions to recover specific property, such as a financed vehicle), bankruptcy work on the creditor side, real estate and foreclosure referral, and business law. For a consumer, a letter from Silverman Theologou most often means a lender, card issuer or other creditor has referred an unpaid account to the firm, sometimes as a step before filing suit. A court summons naming the firm as counsel for the plaintiff means a lawsuit has already been filed.
The firm's published office numbers are (301) 468-4990 (Maryland), (804) 381-4616 (Virginia), (213) 226-6922 (California) and (954) 368-0323 (Florida).
How to Check a Debt Silverman Theologou Says You Owe
When a law firm is collecting, the gap between a demand letter and a lawsuit can be short. Use the time well:
- Look for the validation notice. A collection law firm must send one, naming the creditor and itemizing the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing before the deadline. A timely written dispute requires the firm to stop collecting until it verifies the debt. Ask for the signed agreement and account statements.
- Find out who the client is. Ask whether the firm represents the original creditor or a company that bought the account, and request the chain of ownership if it was sold.
- Compare the figures. Check the principal, interest and any attorney's fees against your contract and your last statements.
- Check the age before you respond. In Texas, the general limitations period for debt suits is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Maryland, Virginia and the other states where the firm practices set their own periods.
What Silverman Theologou Can and Can't Do
Lawyers who regularly collect consumer debts are "debt collectors" under the FDCPA (Heintz v. Jenkins, 514 U.S. 291 (1995)). For a firm that files collection and replevin suits:
- A letter on law firm letterhead may not suggest an attorney has personally reviewed your file if no attorney has (15 U.S.C. § 1692e(3)).
- It must file any suit in the county where you live or signed the contract, or, for an action on real property, where the property is (15 U.S.C. § 1692i).
- It may not demand attorney's fees or other charges the contract or law does not allow (15 U.S.C. § 1692f(1)).
- Even with a judgment, Texas law generally protects wages from garnishment for consumer debts.
We did not find a CFPB enforcement action against Silverman Theologou. If you have been sued, our debt lawsuit questions page explains deadlines, and our Texas FDCPA attorneys page covers when collection 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 Silverman Theologou 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
- Silverman Theologou LLP: home page
- CFPB enforcement actions list
- CFPB Consumer Complaint Database: Silverman Theologou, LLP, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Silverman Theologou has violated any law. Company details change; tell us if something here is out of date.