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Sued by Mullooly, Jeffrey, Rooney & Flynn? How to Resolve Debt

George Simons | January 09, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

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.

Summary: Mullooly, Jeffrey, Rooney & Flynn collects unpaid debts for creditors. Respond promptly to lawsuits and consider negotiating a settlement to resolve your debt.

Have you been sued by a law firm called Mullooly, Jeffrey, Rooney & Flynn? Have you ever even heard of that law firm before? If you have never heard of them and are wondering why they are suing you, you would not be the first to have those questions.

Mullooly, Jeffrey, Rooney & Flynn is an example of those types of law firms that primarily sue people who owe money on credit cards, or other loans. If you just received a lawsuit from Mullooly, Jeffrey, Rooney & Flynn, it is something you should not ignore.

In this article, we are going to talk about who Mullooly, Jeffrey, Rooney & Flynn is and, more importantly, tell you how you can resolve an unpaid debt with Mullooly, Jeffrey, Rooney & Flynn. If you know you already owe money, and you are fearful of even trying to push back against those trying to collect – change your mindset. Do not fall into that trap of being intimidated by firms like Mullooly, Jeffrey, Rooney & Flynn.

In fact, if you respond to the Mullooly, Jeffrey, Rooney & Flynn lawsuit, you may be surprised to learn that they may have difficulty standing behind and proving the lawsuit they filed.

So, do not be fearful of a Mullooly, Jeffrey, Rooney & Flynn lawsuit. Rather, use the help you can get at SoloSuit to effectively fight back. If, after reading this article, you have more questions about how you can fight back against Mullooly, Jeffrey, Rooney & Flynn, contact us at Solo. Our mission at Solo is to give consumers the tools they need to communicate with and resolve debt with collectors and creditors.

Solo makes it simple to respond the right way.

Settle debt with Mullooly, Jeffrey, Rooney & Flynn

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

Who Is Mullooly, Jeffrey, Rooney & Flynn?

Mullooly, Jeffrey, Rooney & Flynn is a law firm based out of Syosset, New York that specializes in legal debt collection.

Who does Mullooly, Jeffrey, Rooney & Flynn collect for?

The Mullooly, Jeffrey, Rooney & Flynn law firm regularly collects unpaid debts for banks and other companies.The firm files, literally, thousands of lawsuits each year, on behalf of companies such as:

  • Bank of America
  • Asset Acceptance, LLC
  • Brookhaven Hospital
  • Citizens Bank
  • FIA Card Services
  • JPMorgan Chase Bank
  • Petro Inc.
  • Unifund CCR, LLC

Read Mullooly, Jeffrey, Rooney & Flynn reviews online

If you are curious to learn what consumers have said about their experience with Mullooly, Jeffrey, Rooney & Flynn on a debt collection matter, then take a moment to read these reviews:

Despite the online reviews of Mullooly, Jeffrey, Rooney & Flynn being pretty mixed, this should not deter you from taking steps to engage with them in an effort to resolve the debt collection matter. Many debt collectors, including Mullooly, Jeffrey, Rooney & Flynn, are open to working with individuals to resolve their concerns and get their debt paid in a manner that works for them, based on their current financial situation. Proactive communication is the key.

If calling a debt collector to negotiate doesn’t sound like your idea of fun, try using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

Do I need a lawyer to respond to Mullooly, Jeffrey, Rooney & Flynn?

We know that lawyers are very expensive. It is such a specialized service that lawyer fees are sometimes out of reach for those who already are financially strapped. But, not to worry. You can respond to the Mullooly, Jeffrey, Rooney & Flynn lawsuit without having to pay legal fees.

Solo makes it easy to respond to a debt collection lawsuit.

The crucial thing you need to know about responding to a debt collection lawsuit is that there are essentially three things you need to do:

  1. Answer the lawsuit. That means that you need to specifically “admit” or “deny” each numbered paragraph in the Mullooly, Jeffrey, Rooney & Flynn complaint that you receive. Remember, if you are not absolutely certain of the truth of anything in the complaint – like whether Mullooly, Jeffrey, Rooney & Flynn has the authority to represent the creditor company, or that you owe a certain amount – then you want to “deny” or at least say “I don 't know” in response to those number paragraphs.

  2. Assert Affirmative Defenses against the lawsuit. Not only do you want to respond to what the Mullooly, Jeffrey, Rooney & Flynn lawsuit says, but you also can – as part of your Answer – state why you do not owe the amount the complaint says you owe. It could be because you have proof that the debt has been resolved, or that you are not the account holder of the account in debt, or that Mullooly, Jeffrey, Rooney & Flynn waited too long to sue and, thus, they are outside the statute of limitations.

  3. File your Answer before the deadline. Finally, you need to make sure that the Court receives your Answer and Affirmative Defenses in the time allowed. Each state has different rules on how long you have to respond.

Now, you might think that the above does not look as “easy as 1-2-3.” It is not as hard as you think, and it is much easier if you get the help of Solo.

Negotiate a debt settlement with Mullooly, Jeffrey, Rooney & Flynn

If you prefer to avoid going through the stressful and time-intensive litigation process, then consider initiating debt settlement negotiations with Mullooly, Jeffrey, Rooney & Flynn. Below are three steps you should consider taking to settle debt:

Step 1: Assess how much you can actually pay

Before starting debt settlement negotiations, make sure to calculate how much you can actually afford to pay in a lump sum. Your calculation should take into consideration your other living expenses. If you don’t have sufficient funds to make a lump sum payment, try to calculate what you could pay in installments.

Step 2: Reach out to the debt collector to engage in debt settlement negotiations

Once you’ve calculated how much you can reasonably repay, the next step is to try and negotiate a settlement. Start by offering a lower percentage of the total amount owed, typically 30% to 50% of the original amount, and be prepared to negotiate upward. If possible, offer a lump sum payment as creditors are more likely to accept a lower amount if they receive an immediate payment.

Step 3: Get the debt settlement agreement in writing

Before making a payment toward the debt, ensure you receive a written agreement outlining the terms of the settlement. This is known as a debt settlement agreement. The agreement should clearly state that the payment will settle the debt in full and that they will not pursue any further legal action or collections.

If you decide to engage in settlement talks, consider using smart tools to help you with the debt settlement negotiation process, like SoloSettle, which is a software that sends and receives settlement offers for you until you come to an agreement with the collector or creditor. Innovative tools such as SoloSettle can make it much easier to fly solo in the credit card debt settlement process, which can help you both save money and resolve your debts more efficiently than litigation.

To learn more about these steps, watch our video guide below:

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