Mandarich Law Group: Who They Are, Why They Are Contacting You, and What to Do
Mandarich Law Group, LLP is a debt collection law firm in Woodland Hills, California, in practice since October 2010, BBB accredited since 2014 and rated A+. The BBB describes its work as pre-litigation demands, litigation, and post-judgment enforcement on business loans, student loans, personal loans and credit card accounts. It is not a lender. Most of the people who search for it are consumers being sued on a purchased credit card or personal loan debt; a smaller number are business owners whose business loan was placed with the firm. This page covers both, says plainly which one Business Debt Adjusters can help with, and explains what to do before the court deadline.
Who is Mandarich Law Group?
Mandarich Law Group, LLP, also listed as Law Offices of Mandarich, is at 6300 Canoga Avenue, Suite 1700, Woodland Hills, California 91367, with partner Chris Mandarich as principal. The BBB lists it under Collection Attorneys and Debt Consolidation Services, records a start date of October 5, 2010, accreditation since August 12, 2014, and an A+ rating, and shows California State Bar licence number 220693. Its stated services are pre-litigation demands, litigation, and post-judgment enforcement, with repayment options by online portal, phone, and mail.
Independent write-ups describe the firm as one of the more active collection litigators on behalf of debt buyers and lenders, with a large number of complaints in the federal Consumer Financial Protection Bureau database, most often for taking or threatening legal action, and a class action, Guzman v. Mandarich Law Group, that ended in a small judgment in 2021 over the font size of required warnings in collection letters. We have not independently verified those figures and cite the write-ups as such.
What the firm is not: a funder. An earlier version of this page used a merchant cash advance funder template and discussed Mandarich's factor rates and reconciliation clauses. A law firm has neither; the creditor that hired it holds the agreement.
Why Mandarich Law Group is contacting you
Because a creditor or a debt buyer placed your account with it for collection and, usually, litigation. The BBB reviews on the profile are almost all consumers: one describes being sued on a debt bought by a debt buyer and garnished at 25 percent of wages while payments were not credited; one calls the firm a junk debt collector; one says every other collector had let a four-year-old debt go until Mandarich served papers. Those are consumer stories. If your contact from the firm concerns a personal credit card or personal loan, you are outside what Business Debt Adjusters does, and the federal Fair Debt Collection Practices Act and your state's consumer collection laws apply to you.
If the contact concerns a business loan, a merchant cash advance, or a personal guaranty of a business obligation, the mechanics are the same as with any collection law firm: demand, suit, judgment, enforcement. The firm's own service list ends in post-judgment enforcement, which means wage garnishment, bank levies and liens once a judgment exists.
What to establish from your own paperwork
- Whose debt it is. Personal card or loan, or a business obligation? The answer decides which laws protect you and who can help.
- Which creditor the firm represents. The caption on any filing names it. If it is a debt buyer, ask for proof of the chain of assignment.
- The balance and every payment. A reviewer reported garnishment continuing after payments that were never credited. Keep your own record.
- For a business balance: purchase price versus purchased amount, the reconciliation clause and your written requests, the personal guaranty.
- The deadline. In California superior court a defendant generally has 30 days from service to respond; other states differ. Missing it produces a default judgment and then enforcement.
If a lawsuit has been filed
Answer it. Debt buyer suits in particular can fail on proof of the assignment chain and of the balance; a default judgment forfeits that. If you have been served on a business obligation, see what to do when Mandarich Law Group sues. If it is a consumer debt, a consumer defense attorney or your state's legal aid office is the right call.
Can a balance the firm is collecting be settled?
Yes. The creditor decides the number; the firm lists repayment solutions among its services and offers payment portals. For a business balance, the room is the gap between what is claimed and what can be proven and collected, weighed against litigation cost, and it narrows after judgment. See how a business balance Mandarich Law Group is collecting can be settled and how MCA debt relief works.
Business Debt Adjusters works on business debt. If your balance is a business loan, an advance, or a guaranty of one, BDA reviews the agreement, the payment history and the filing and tells you what is realistic before the deadline.
Frequently Asked Questions
Is Mandarich Law Group a merchant cash advance company?
No. It is a debt collection law firm in Woodland Hills, California, that represents creditors and debt buyers. It does not lend. Its BBB profile lists business loans, student loans, personal loans and credit card accounts among the products it collects on.
Is Mandarich Law Group legitimate?
Yes. It is a California law firm in practice since 2010, BBB accredited since 2014 with an A+ rating, and licensed through the State Bar of California (licence 220693 on the BBB record). Legitimate and aggressive are not opposites; it litigates and enforces judgments.
Why does Mandarich Law Group have so many complaints?
Third-party write-ups report a large number of CFPB complaints, most often for taking or threatening legal action, which is what a collection litigation firm does. The BBB reviews describe wage garnishment and suits on purchased debt. We cite those sources rather than restating their counts as our own.
Can Mandarich Law Group garnish my wages?
After a judgment, yes; post-judgment enforcement is among its listed services, and one BBB reviewer describes a 25 percent wage garnishment. Before a judgment, no. Answering the lawsuit is what keeps that door closed.
Does Business Debt Adjusters help with a Mandarich Law Group consumer debt?
No. BDA works on business debt. If the balance is a personal credit card or personal loan, contact a consumer defense attorney or legal aid; the Fair Debt Collection Practices Act applies to you.
What should I do if Mandarich Law Group sues my business?
Identify the creditor and the agreement, pull the payment history, answer before the deadline (30 days from service in California superior court), and get the paperwork reviewed before agreeing to a number.
Sources
- BBB Business Profile: Mandarich Law Group, LLP, Woodland Hills, CA
- SoloSuit, How to Negotiate With Mandarich Law Group (third-party write-up; source for CFPB complaint count and Guzman class action)
- State Bar of California attorney search
Facts on this page were checked against the linked sources on September 23, 2026. Business Debt Adjusters is not affiliated with, endorsed by, or authorized to represent the company described.
Sued or contacted by Mandarich Law Group on a business balance?
Free consultation. BDA reviews the creditor's agreement, the payment history and the filing and tells you what is realistic before the deadline, no commitment required.
Schedule a Free Consultation →
