How to Negotiate With Mandarich Law Group to Settle Debt

George Simons | November 06, 2025

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Fact-checked by Greg Anjewierden, J.D.

Greg Anjewierden
Attorney and CEO of Debtbrief
Greg Anjewierden, JD

Greg Anjewierden is the Founder and CEO of Debtbrief, where he empowers consumers sued by debt collectors with tools, legal representation, and self-defense strategies. With over a decade of legal experience, including as a former creditor’s rights attorney, Greg is committed to advocating for consumer rights.

Summary: To negotiate with Mandarich Law Group, gather debt details, respond to your lawsuit, record each communication, be honest, avoid empty threats, be persistent, and get agreements in writing. Use SoloSettle to start the negotiation process now.

If you are being sued by Mandarich Law Group, you may be feeling stressed, intimidated, and anxious about the future. These feelings are understandable. When you owe debt, it can feel like you're in hot water. And if you don't recognize the debt, it may feel like you’ve reached your boiling point.

Mandarich Law Group, like other debt collectors, may be persistent in its attempts to get you to pay off the debt. This article will tell you everything you need to know about Mandarich Law Group, its practice, reviews, and how to resolve a debt lawsuit.

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What is Mandarich Law Group?

Mandarich Law Group is a debt collection law firm, which means it represents creditors, banks, and debt collection agencies in suing people who owe them. Mandarich Law doesn’t typically own the debts it collects. Instead, it acts as a representative for creditors or debt purchasers who claim that money is owed.

If you receive notice from Mandarich Law Group, take it seriously, even if you’re unsure about the debt’s validity. Ignoring it can lead to a default judgment, which may allow Mandarich to file a wage garnishment, bank attachment, or property lien in order to recover the judgment.

Is Mandarich Law Group legit?

Yes, Mandarich Law Group, LLC is a legit debt collection law firm. The group gets hired by creditors, like banks or credit card companies, to collect debts on overdue accounts.

If you need to reach the firm, use Mandarich Law Group’s contact information below:

Mandarich Law Group, LLP
PO Box 109032
Chicago, IL 60610
855-441-5983

Use these tips to settle your debt with Mandarich Law Group

Even if you've already been sued for the debt and received a notice from Mandarich Law Group in the mail, you can still settle the debt to resolve the lawsuit. Here are some debt settlement negotiation tips from an attorney:

  • Respond to the lawsuit before the deadline. Draft and file an Answer with the court and send a copy to the opposing attorney to block a default judgment, then reach out to Mandarich Law Group to discuss settlement options.
  • Be honest about your debt situation. Bring up other debt and obligations you owe. This will demonstrate a good faith effort to resolve the debt. Don't be afraid to paint a story for the lawyers, explaining why you've fallen behind on payments and why it's the best deal for them to accept your settlement offer. While you want to be honest about other obligations and hard times, it's best to not admit that you owe the debt over the phone.
  • Don't make empty threats about bankruptcy. You can use bankruptcy as leverage if it's really an option for you, but if it's not, don't make things up. It's best to be forthcoming about your situation and intentions to settle. Mandarich Law will probably work with you.
  • Be prepared to go through several rounds of negotiations before you reach an agreement. Don't get discouraged if your first offer isn't accepted. This is totally normal, so be persistent and keep trying.
  • Get everything in writing. Try to record each offer and counteroffer. And when you reach a settlement, get it in writing and file it with the court in your debt lawsuit case.

Taking that first step to send the offer is sometimes the hardest part. Luckily, SoloSettle can simplify and speed up the debt settlement negotiation process. SoloSettle uses AI and tech to send and receive settlement offers until an agreement is reached.

Watch the following video to learn more about these tips and how to settle debt with Mandarich Law Group:

Read Mandarich Law Group reviews online

Mandarich Law has been accredited by the Better Business Bureau since 2014 and currently has an A+ score. Mandarich Law reviews vary widely. Some report professional handling; others describe communication issues or misunderstandings. As with any law firm or collection agency, individual experiences depend on the case and context.

Above all, you should know your rights before you give a response if you ever are contacted by Mandarich Law Group.

Respond to your debt collection lawsuit in 15 minutes with SoloSuit.

The FDCPA protects you from unruly debt collectors

Some debt collectors are known to take advantage of people who do not know their rights as stated under the Fair Debt Collection Practices Act. The FDCPA states what debt collectors, including Mandarich Law Firm, can and cannot do. Some of the limits placed on debt collectors include:

  • Debt collectors cannot cal your employer or coworkers.
  • Debt collectors such as Mandarich Law Group cannot use vulgar or inappropriate language when they call or mail you.
  • Debt collectors are not allowed to threaten you with a lawsuit if they do not plan to, or cannot, file one.
  • Debt collectors are not allowed to call you at home before 8 a.m. or after 9 p.m.
  • Debt collectors cannot discuss your debt with your friends or family, other than your spouse.
  • Debt collectors cannot lie about the debt amount or anything information surrounding the debt.

If Mandarich Law Group has used any of these tactics to get you to pay a debt, you can report them to the FTC, CFPB or your state’s attorney general.

Don't let debt collectors threaten you. Respond with SoloSuit.

How to respond to Mandarich Law Group

If Mandarich Law Group files a lawsuit against you for allegedly outstanding debts, it is vital to respond appropriately. Many consumers, understandably, ignore the lawsuit. But that does not make the problem go away. If you do not respond, the debt collector wins by default and can take action to enforce the judgment. The good news is there are things you can do to fight a lawsuit, and it starts with your Answer.

You should respond to a debt collection lawsuit before your state's deadline. If you don’t respond in time, you will lose automatically when Mandarich Law Group, LLC files default judgment against you.

With a default judgment, Mandarich Law can garnish your wages and seize your property. Don’t let this happen. Respond to the case with a written Answer and give yourself a chance to resolve the debt outside of court. Here’s how.

Follow these steps to respond to a Mandarich Law Group lawsuit

You need to respond to a lawsuit from Mandarich Law Group within the deadline. It doesn't matter if it's valid or not; if you do not respond, you risk losing money anyway through a default judgment and subsequent wage garnishment.

Follow these three steps to respond to a debt lawsuit against Mandarich Law Group:

  1. Respond to each claim in the Complaint. You can either admit, deny, or deny due to lack of knowledge. Most attorneys recommend that you deny as many claims as possible. Even if you owe them, do not admit the alleged debt. Instead, ask them to provide enough evidence that you are the legal debtor.
  2. Assert your affirmative defenses. An affirmative defense is any legal reason that Mandarich Law Group should not win the case. For example, the statute of limitations is a common affirmative defense to include in an Answer. There are dozens of other defenses you can use to strengthen your side of the case.
  3. File the Answer with the court, and send a copy to Mandarich Law Group. Ensure you file an answer through your local Clerk of the court within the stipulated time frame; missing the deadline warrants a default judgment. Send your response to Mandarich Law Group through mail, and check with your court's clerk if the copy needs to be court-stamped or not.

Use SoloSuit to respond to a debt collection lawsuit in 15 minutes.

Learn more about these three steps in this video:

Use the statute of limitations in your case against Mandarich Law

The statute of limitations on debt is the time limit that debt collectors, like Mandarich Law Group, have to sue someone for a debt. If your debt’s statute of limitations has expired, you cannot be sued for it.

The statute of limitations is different in every state. SoloSuit has compiled a guide to each state’s statutes on debt. Knowing your state’s laws on debt can help you avoid paying a debt you don’t actually owe or getting sued for it.

The clock on the statute of limitations generally begins on the date of your last payment on the account. So, if you start making payments on an old debt, you will restart the clock on its statute of limitations. For this reason, you should avoid making payments to debt collectors until after you know the debt’s status.

Let’s take a look at an example.

Example: Bonnie owes an old credit card debt in Oklahoma. After several years of missed payments and no communications with the credit card company, Bonnie finds out the debt account has been sold to a debt collection agency who is now suing her. She isn’t sure if the debt is even valid anymore, so she does some research and finds out that Oklahoma’s statute of limitations on credit card debt is five years. The last payment she made on the account was six years ago. This means that the debt collectors cannot sue Bonnie for the debt. She responds to the lawsuit and lists the expired statute of limitations as one of her affirmative defenses, and the case gets thrown out.


Use the statute of limitations as an affirmative defense in your debt lawsuit and win.

What to do if you’re taken to court by a debt collector like Mandarich Law

Here are the most important takeaways on how to respond to a Mandarich Law debt collector and lawsuit:

  • Mandarich Law Group is a licensed, legitimate debt collection firm.
  • You have rights under the FDCPA to protect yourself from harassment or false claims.
  • Always respond to lawsuits and verify the debt’s validity before paying.
  • Settlement is possible. Even if you've been sued, Mandarich Law will negotiate to help you resolve the debt. In many cases, they are willing to accept less than the full amount you owe, but you may have to go through several rounds of negotiations before you reach an agreement.
  • Know your state’s statute of limitations before making any payment.

Dealing with debt collection isn’t easy, but knowledge is power. If you’re contacted or sued by Mandarich Law Group, stay calm, know your rights, and respond promptly.

Like we said before, the first step to settling a debt collection lawsuit is to file your Answer into the case.

Use SoloSuit to draft and file your Answer in minutes.

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How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Debt collector guides

Are you being contacted by a debt collector? We’re making guides on how to resolve debt with each one.

Arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Bankruptcy

Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

Check your case status

Don’t have time to go to your local courthouse to check the status of your case? We’ve created state guides on how to check the status of your case throughout the US, complete with online search tools and court directories.

Credit

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt, along with other credit-related resources.

Debt collection FAQs

Find answers to some of our the most commonly-asked questions about debt collection below.

Debt collection documents and templates

If you're dealing with debt, these documents and templates will help you respond, protect your rights, negotiate, and resolve your debts.

Debt relief

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt settlement

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created state guides on debt settlement. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

Eviction

Facing an eviction? The following guides will help you navigate your situation with confidence.

Federal debt collection laws

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Legal aid

Helping people find access to justice is at the heart of Solo's misison. If you're dealing with a legal debt issue, the following guides will help you through it.

Medical debt

Having a health challenge is stressful, but dealing with medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Personal finance

Learn how to manage your finances and overcome crushing debt. Check out our personal finance guides below.

State debt collection laws

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

Other debt resources




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