How to Settle a Debt With Moore Law Group

Sarah Edwards | November 09, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

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.

Summary: The Moore Law Group is a debt collection law firm that represents creditors, like credit card companies and other lenders, in debt collection lawsuits. When The Moore Law Group sues for debt, it's still possible to settle the debt for less and give yourself a financial restart, all with the help of SoloSettle.

You probably didn’t expect to receive a collection notice from The Moore Law Group. Collection notices tend to show up when you least expect them, ruining your day.

While your first instinct may be to throw the collection notice in the garbage, it’s best to address the issue head-on. That way, you avoid the legal repercussions that may raise their ugly heads.

Sued by The Moore Law Group? Settle your debt and move on with your life.

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Who The Moore Law Group is

The Moore Law Group is a collection law firm that pursues people who owe debts to third parties, like credit card companies and other lenders. According to its website, the company comprises attorneys, negotiators, and support staff.

The Moore Law Group claims to pursue collections in accordance with the law and to interact with consumers with compassion and respect. Its website offers clients a payment portal to repay their debts.

The company has five offices in California, Colorado, New Mexico, Arizona, and Nevada. Moore Law Group’s mailing address is PO Box 25145, Santa Ana, CA, 92799-5145. You can also reach The Moore Law Group at (800) 506-2652 or by fax at (714) 754-9568.

The Moore Law Group’s online ratings involve many complaints

The Moore Law Group has a Better Business Bureau (BBB) profile with a current rating of A+. However, the business does not have BBB accreditation. As of March 21, 2023, there are seven complaints against the company.

One complaint comes from a customer of The Moore Law Group who claims the company didn’t manage the collections process for their account correctly. The customer says there is no communication between departments, and the website is outdated.

Another customer came across a title lien from The Moore Law Group when trying to refinance her mortgage. She tried calling the company daily, but no one answered or replied. She couldn’t refinance her home without a clear title.

One client claimed that The Moore Law Group didn’t correctly validate their debt and regularly harassed them. They claim that the company’s representatives visit their home late at night, punching and kicking their doors.

The Consumer Financial Protection Bureau (CFPB) has also received dozens of complaints against The Moore Law Group, ranging from fraudulent debt issues, problems with debt validation, receiving threats from the law firm, and more. Here’s an example of a real complaint from the CFPB:

“Moore law group filed a suit to collect a debt and never gave me any opportunity to review the debt. Moreover, they falsely claimed to have served me and filed suit in the incorrect jurisdiction! I haven't been given any rights to accept or deny anything. I can not give an amount as I have no clue if the debt is accurate.”

Luckily, there are laws in place to protect consumers from unfair treatment by debt collectors like The Moore Law Group. For example, the Fair Debt Collection Practices Act (FDPCA) stops collectors from certain actions, such as:

  • Debt collectors cannot call before 8am or after 9pm.
  • Debt collectors cannot discuss your debt with your family members or friends.
  • Debt collectors cannot call your work phone if such communication is prohibited by your employer.
  • Debt collectors cannot threaten to take legal action against you if they don’t plan to or cannot do so.
  • Debt collectors cannot use cruel, vulgar, threatening, or harassing language to intimidate you into paying a debt.
  • Debt collectors cannot pretend to be something they are not.

If you have experienced any of these actions in communicating with a debt collector, you may be eligible for compensation. Check out our guide on FDCPA Violations List to learn more.

What to do if you receive a collection notice from The Moore Law Group

Don’t ignore the letter if The Moore Law Group contacts you regarding an old debt. Your first step is to review its contents and ask The Moore Law Group to validate the debt. Asking for debt validation requires the company to prove the debt is yours and that it has the right to collect it from you.

In your Debt Validation Letter, ask The Moore Law Group to provide the following:

  • Proof that you owe the debt.
  • The name of the original creditor and your account number.
  • The last transaction you made concerning the debt.
  • A calculation of the debt’s age in comparison with your state’s statute of limitations.
  • Proof that The Moore Law Group now owns the debt.
  • The Moore Law Group’s debt collection license number in your state.

You should ask The Moore Law Group to cease all communication until it properly validates the debt.

Sometimes, collection agencies don’t have the proper records to validate an obligation. If The Moore Law Group can’t validate your debt, it will stop contacting you.

Use SoloSuit’s Debt Validation letter to ask The Moore Law Group to validate your debt.

The Moore Law Group validated my debt — what now?

If The Moore Law Group validates your debt, you must determine how to repay it. If you can refund the total amount, do so. Once The Moore Law Group receives your payment, it will stop collection activities and report your account paid in full.

You can ask for an installment agreement if the amount due is more than you can afford. Under an installment agreement, you’ll make monthly payments until you pay off the debt. Dividing the amount due into smaller payments can make it easier to manage.

Before entering into an installment agreement, read the terms and conditions carefully. Be wary if the company says it will charge you interest during the repayment period. You may pay much more in an installment agreement than if you paid the debt now.

Settle a debt with The Moore Law Group

Settling debt is advantageous for both you and The Moore Law Group. You’ll save money on the total amount due and halt further collection activities, while The Moore Law Group will obtain some money toward your debt.

In a settlement, you offer The Moore Law Group a fraction of the debt’s total value. The Moore Law Group agrees to accept your lump-sum payment and release you from the remaining amount you owe. Following a settlement, The Moore Law Group will report your account settled to the credit reporting bureaus.

Your first step in a settlement is determining how much you can afford. Ideally, you’ll offer at least 40% of the debt’s value. The Moore Law Group may disagree with your offer, so prepare to negotiate. Give yourself some extra room if it demands more money.

Let’s consider an example.

Example: Jane owes an old credit card obligation of $4K. The Moore Law Group partners with her creditor and starts collection activities against her. Jane requests a debt validation, which The Moore Law Group provides. Jane can’t afford to repay the obligation, so she uses SoloSettle to negotiate a debt settlement, offering 40% of the debt’s value, or $1.6K, in a settlement. The Moore Law Group tells Jane it will accept $2.5K to settle the debt. Jane agrees to The Moore Law Group’s offer, and SoloSuit sends Jane’s money for her, keeping her financial information private and secure. The Moore Law Groups releases the remaining debt and reports the account settled to the credit reporting bureaus.


Ever wondered how much does a debt settlement lawyer cost? Well, a lawyer can cost a pretty penny. Luckily, you have resources to help you settle debt on your own and save the cost of hiring an attorney to represent you.

SoloSettle, powered by SoloSuit, can help you settle your debts once and for all. As a tech-based approach to debt settlement, you can use SoloSettle to settle debt on your own by using its software to send and receive settlement offers until you reach an agreement with The Moore Law Group.

Once an agreement is reached, SoloSettle helps you manage the settlement documentation that should be filed into your debt lawsuit case.

Plus, you won’t have to worry about your financial information being compromised, because SoloSettle will transfer your payment to the collector on your behalf, keeping your financial information private and safe.

Watch the following video to learn more about how to settle your debt with The Moore Law Group:

Don’t wait to resolve a collections notice from The Moore Law Group

Many people ignore debt collection notices, assuming the collector will disappear if they don’t respond. However, ignoring a debt collection letter from a company like The Moore Law Group can land you in hot water.

If you don’t start the debt validation process, The Moore Law Group will assume your debt is valid. It can take you to court if you don’t repay or settle the debt.

Be proactive and require The Moore Law Group to validate your debt before deciding on your next steps. Don’t allow the situation to become worse.

Is The Moore Law Group suing you for unpaid debt? Use SoloSettle to settle your debt with The Moore Law Group before your court date.

What is Solo?

Solo makes it easy to resolve debt with debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt. SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

SoloSettle can help you contact your debt collector or creditor and negotiate the debt to settle for less, all online. It simplifies and streamlines the process to settling your debt.

No matter where you find yourself in the debt collection process, Solo is here to help you resolve your debt.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

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