What Mandarich Law Group does

Mandarich Law Group, LLP is a privately held debt collection law firm headquartered in Chicago, Illinois, that recovers outstanding consumer and commercial debts on behalf of creditor clients including banks, credit card issuers, student loan servicers, personal lenders, FinTech companies, and auto lenders. The firm operates across the full legal collection lifecycle — pre-litigation demand and contact, asset identification, call-and-collect activities, settlement negotiation, formal litigation, judgment procurement, and post-judgment asset levies and property liens — with attorneys admitted to practice in 19 states and physical branch offices in 10 US cities spanning the Midwest, West Coast, East Coast, and Southeast.

The firm's technology footprint is intentionally lean: a WordPress-based consumer website with English/Spanish bilingual support via the WPML plugin, Google reCAPTCHA on email opt-out forms, and a consumer payment portal plus settlement negotiation tool operated by third-party vendor Repay Holdings, LLC (mandarichlaw.stratuspayments.net). No proprietary software platforms, algorithmic scoring systems, or AI-powered collection tools are described in available data. Core service delivery is performed by licensed attorneys in combination with non-attorney representatives handling inbound and outbound consumer contact via toll-free phone, email, and mail.

The business model is a creditor-retention B2B law firm structure: Mandarich is engaged directly by creditors to recover defaulted accounts and is compensated by those creditors (transaction-fee economics on recoveries), while consumers do not pay the firm directly for legal representation. Distribution to creditor clients runs through direct enterprise engagement, and distribution to consumers runs through inside-sales phone outreach, a self-serve payment portal, and mail. The firm holds California Debt Collector License #10795-99, New York City DCA License #2079588-DCA, and NMLS #1156765, and maintains documented compliance with the FDCPA, CCPA, and CPRA. No funding rounds, acquisitions, mergers, or leadership changes are disclosed in the available data.

Name

Mandarich Law Group

Legal name

Mandarich Law Group, LLP

Website

https://mandarichlaw.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

251–500 employees

Short description

Mandarich Law Group, LLP is a privately held Chicago-based debt collection law firm that recovers consumer and commercial debts across 19 states on behalf of creditor clients including banks, credit card issuers, FinTechs, and auto lenders, delivering pre-litigation, litigation, and post-judgment collection services.

Ownership category

akta.pro rank

Product category

Debt Collection Legal Services

NAICS

Collection Agencies (561440), Legal Services (5411)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Legal Services (8111)

akta.pro primary industry

Legal Collections & Litigation Support (Judgments, Garnishments) (FSAKAJAD)

akta.pro secondary industries

Third-Party Debt Collection Agencies (Consumer & Commercial) (BPAAAEAB), Debt Settlement & Negotiation Services (FSAEAFAC)

Keywords

• Debt collection law
• Consumer debt recovery
• Creditor legal services
• Debt litigation services
• Payment negotiation

Headquarters

HQ city

Chicago

HQ country

United States

HQ region

North America

Offices11 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Debt Collection Fees from Creditor Clients: Mandarich Law Group represents creditors (banks, credit card issuers, lenders, debt buyers) in collecting outstanding consumer and commercial debts. The firm earns fees from its creditor clients for recovering debts through pre-litigation negotiation, litigation, and post-judgment enforcement. Consumers do not pay the law firm directly for legal representation — the firm is retained by and compensated by the creditor.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

Mandarich Law Group, LLP is a debt collection law firm retained by creditor clients to recover defaulted consumer and commercial debts. Services span three legal stages—pre-litigation (demand, contact, asset identification, call-and-collect, negotiation and settlement), litigation (filing, service of process, judgments, courtroom work), and post-judgment enforcement (asset levy, property liens)—with consumer-facing payment intake handled through online, phone, and mail channels.

Product overview

Mandarich Law Group, LLP is a debt collection law firm offering a unified platform of debt recovery services for creditor clients. The core offering includes an Online Payment Portal (powered by Repay Holdings, LLC) and Payment Negotiation Portal, supported by three service modules: Pre-litigation Services (demand, contact, asset identification, and settlement negotiation), Litigation Services (filing, serving, securing judgments, and courtroom work), and Post-Judgment Services (asset levy and property liens). The company also provides phone and mail payment processing options for consumers.

Differentiator

Problem solved

Functional benefit

Products and services

• Online Payment Portal Secure consumer-facing payment portal where debtors with accounts placed by creditor clients can submit payments online; the portal is operated by third-party processor Repay Holdings, LLC.
• Payment Negotiation Portal Online portal for consumers to negotiate payment plans and lump-sum settlements on outstanding debts, operated by Repay Holdings, LLC on behalf of Mandarich Law Group.
• Pre-Litigation Debt Collection Pre-lawsuit debt recovery service offered to creditor clients, covering demand letters, consumer contact, asset identification, call-and-collect outreach, and negotiated settlements across licensed states.
• Litigation Services Attorney-led lawsuit filing, service of process, judgment procurement, and courtroom/trial representation on behalf of creditor clients in the 19 states where Mandarich Law Group attorneys are admitted.
• Post-Judgment Enforcement Post-judgment collection services for creditor clients covering asset levy and property liens to enforce court judgments.
• Multi-Channel Payment Intake (Phone and Mail) Non-attorney representatives accept consumer payments over the toll-free phone line (cash, checks, cashier's checks, money orders, bank wires, checks-by-phone), by email, and by mail addressed to Mandarich Law Group, LLP with file number reference.

Named customers1 record

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

One partnership is on record.

• Repay Holdings, LLCsupportingTechnology or IntegrationMandarich Law Group has contracted with Repay Holdings, LLC to provide payment processing services. Repay operates the online payment portal (mandarich.stratuspayments.net) that allows consumers to make payments on their accounts. Mandarich Law Group does not control or operate the third-party portal but directs consumers to it for online payment processing. The portal also hosts a settlement negotiation tool.

Scale indicators2 records

Recent moves4 records

Expansion highlights5 records

Direct peers

• Resnick & Louis, P.C. National creditor-rights and insurance defense law firm with a dedicated consumer debt collection practice. Comparable multi-state legal platform and creditor client base.
• Messerli & Kramer P.A. Midwest-based law firm with a sizable creditor-rights and consumer debt collection practice representing financial institutions and debt buyers. Comparable in creditor-side representation, regional office footprint, and consumer debt product mix.
• Javitch Block LLC: National debt collection and creditor-rights law firm with multi-state admitted attorneys and a creditor-side service model spanning pre-litigation through post-judgment. Closely comparable to Mandarich in legal-coverage breadth and creditor client mix.
• Pressler & Pressler, LLP: New Jersey-based debt collection and creditor-rights law firm with multi-state coverage for banks, credit card issuers, and debt buyers. Comparable multi-state legal model and creditor-side litigation focus.
• Weltman, Weinberg & Reis Co., LPA: One of the largest U.S. debt collection and creditor-rights law firms, providing pre-litigation, litigation, and post-judgment services across multiple states. Directly comparable in that it is a creditor-side law firm offering full-lifecycle consumer debt recovery at national scale.
• Zwicker & Associates, P.C. Creditor-side debt collection law firm with attorneys admitted in numerous U.S. jurisdictions, providing consumer debt recovery and litigation services for banks, lenders, and debt buyers. Comparable in multi-state legal model and creditor client base.

Broad incumbents

• PRA Group, Inc. Global financial services firm specializing in the purchase and collection of defaulted consumer receivables. Adjacent: serves the same creditor ecosystem and recovery market but is a debt buyer/portfolio owner rather than a contracted creditor-retained law firm.
• IC System: Long-established U.S. third-party collection agency serving creditor clients across consumer and commercial debt categories. Comparable in B2B creditor-side collection model but differs in not being a creditor-retained law firm offering in-house litigation.
• Transworld Systems: Major U.S. third-party debt collection and accounts-receivable management provider offering pre-legal, legal, and post-judgment recovery services. Broadly comparable service stack for creditor clients but at significantly larger scale.
• Encore Capital Group: Publicly traded debt buyer and one of the largest U.S. consumer debt purchasers, operating portfolio recovery and collection activities at massive scale. Adjacent rather than direct: operates in the same end-market but is a debt buyer/portfolio owner rather than a creditor-retained law firm.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mandarich Law Group