Mandarich Law Group, The Debt Collection Firm You Need To Know About 2026 Guide

Who Is Mandarich Law Group?

Mandarich Law Group, LLP is a creditors’ rights law firm that represents businesses collecting consumer debts.

Here’s the truth: they don’t work for you. They work for credit card companies, auto lenders, and debt buyers who purchase old accounts for pennies on the dollar.

If you’re getting letters or calls from them, you’re being pursued for an unpaid debt—credit cards, auto loans, personal loans, or medical bills.

What Does Mandarich Law Group Actually Do?

They Sue Consumers for Debt

Bottom line: Mandarich Law Group specializes in providing repayment solutions for creditor clients and their borrowers, addressing accumulated debt through pre-litigation, litigation, and post-judgment procedures.

Translation: they send demand letters, file lawsuits, and garnish wages to collect debts on behalf of creditors.

Practice Areas: What Debts They Collect

Their practice areas include auto loans, commercial collections, contracts, credit cards, credit unions, and judgment enforcement.

Their services cover business loans, student loans, personal loans, credit cards, and more.

If you owe money on any of these, Mandarich Law Group might be the firm pursuing collection.

Geographic Reach: Where They Operate

The firm’s headquarters is in Chicago, IL, and employs attorneys admitted to practice in Illinois and 18 other states.

Most sites won’t tell you this, but they represent businesses that buy consumer debt accounts for pennies on the dollar and aggressively pursue the original debtors to collect as much as they can.

How Mandarich Law Group Operates

Their Collection Process

They follow a standard debt collection playbook:

Initial contact – Letters demanding payment
Negotiation attempts – Settlement offers, payment plans
Lawsuit filing – If you don’t respond, they sue
Default judgment – If you ignore the lawsuit, they win automatically
Wage garnishment – They collect directly from your paycheck

Consumer reviews allege they file civil suits at addresses people lived at 30 or 40 years ago, then since the person has no idea and can’t respond, they get a default judgment and garnish wages.

Payment Options They Offer

If you can’t pay your debt in full, you may have an option to set up a payment plan through their payment portal or by calling their representatives.

Here’s what that actually means for you: they’d rather get paid something than nothing. Negotiate from a position of strength.

What You Must Know If You’re Being Contacted

Your Legal Rights Under FDCPA

The Fair Debt Collection Practices Act protects you from abusive tactics:

They can’t call before 8 AM or after 9 PM
They can’t harass, threaten, or use profane language
They must validate the debt if you request it in writing within 30 days
They can’t discuss your debt with third parties

Never Ignore a Lawsuit

If Mandarich Law Group sues you, respond immediately. Ignoring court paperwork leads to automatic default judgments.

Once they have a judgment:

They can garnish your wages (up to 25% in many states)
They can freeze your bank accounts
The judgment stays on your credit report for 7-10 years

How to Respond to Mandarich Law Group

Demand Debt Validation

Send a debt validation letter within 30 days of first contact. Make them prove:

They own the debt
The amount is accurate
They have legal standing to collect

Check the Statute of Limitations

Most states have 3-6 year statutes of limitations on debt collection lawsuits. If your debt is older, they may not legally be able to sue you.

Negotiate Settlement

Debt buyers typically purchase accounts for 3-7 cents on the dollar. You can often settle for 20-40% of the balance.

Pro Tip: Never make a payment or acknowledge the debt until you’ve validated it and consulted with a consumer rights attorney. One payment can restart the statute of limitations clock, making an old, uncollectible debt suddenly enforceable.

Mandarich Law Group The Debt Collection Firm You Need to Know About 2026 Guide

FAQs About Mandarich Law Group

Is Mandarich Law Group a legitimate law firm?

Yes. They’re members of the National Creditors Bar Association and licensed to practice debt collection law in multiple states.

Why is Mandarich Law Group contacting me?

You likely have an unpaid debt that’s been sold to a debt buyer. Mandarich Law Group represents that creditor and is attempting to collect.

Can I ignore letters from Mandarich Law Group?

No. Ignoring debt collectors doesn’t make them go away. It increases the likelihood of a lawsuit and default judgment.

What should I do if Mandarich Law Group sues me?

File an answer with the court within the deadline (typically 20-30 days). Consult a consumer rights attorney immediately.

Can Mandarich Law Group garnish my wages?

Only after they sue you and obtain a court judgment. If you respond to the lawsuit and raise valid defenses, you may prevent garnishment.

How do I contact Mandarich Law Group?

Call 855-441-5983 or mail correspondence to PO Box 109032, Chicago, IL 60610. Their hours are Monday-Friday, 7:00 AM – 7:00 PM CST.

Should I hire an attorney to fight Mandarich Law Group?

If you’re being sued, yes. Many consumer rights attorneys offer free consultations and work on contingency for FDCPA violations.

What to Do Next

Verify Your Debt

Contact your state bar association to verify Mandarich Law Group’s attorneys are licensed and check for disciplinary actions.

Official resource: Your state bar association’s attorney lookup tool ensures you’re dealing with legitimate, licensed attorneys.

Get Legal Help

If you’re facing a lawsuit or wage garnishment, consult a consumer rights attorney who specializes in debt collection defense.

Official resource: National Association of Consumer Advocates (NACA) can connect you with qualified attorneys in your area.

Know Your State’s Laws

Debt collection laws vary by state. Research your state’s statute of limitations and exemption laws.

Final Disclaimer: This article is for informational purposes only and discusses Mandarich Law Group, a debt collection law firm. Information about law firms can change and should be verified directly with the firm. AllAboutLawyer.com is not affiliated with Mandarich Law Group and does not provide legal services or attorney referrals. For evaluation of your specific debt collection matter, consult a qualified consumer rights attorney in your jurisdiction who can assess your case’s unique facts and applicable defenses.

Stay informed, stay protected.
— AllAboutLawyer.com

Last Updated: February 14, 2026 — We keep this current with the latest legal developments.

Disclaimer: This article provides general information about Mandarich Law Group based on publicly available sources. This is not legal advice or an endorsement. If you’re being contacted by Mandarich Law Group or any debt collector, consult a consumer rights attorney for advice specific to your situation.

About the Author

Sarah Klein, JD, is a licensed attorney and legal content strategist with over 12 years of experience across civil, criminal, family, and regulatory law. At All About Lawyer, she covers a wide range of legal topics — from high-profile lawsuits and courtroom stories to state traffic laws and everyday legal questions — all with a focus on accuracy, clarity, and public understanding.
Her writing blends real legal insight with plain-English explanations, helping readers stay informed and legally aware.
Read more about Sarah

Mandarich Law Group, The Debt Collection Firm You Need to Know About 2026 Guide