The Law Offices of Mitchell D. Bluhm & Associates, LLC (MBA) is a law firm based in Texas that specializes in third-party debt collection. MBA has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including making false statements and threatening to take actions that cannot legally be taken. If you have been contacted by this firm, make sure you understand your rights before taking action.
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According to the Better Business Bureau (BBB), The Law Offices of Mitchell D. Bluhm & Associates, LLC was founded in 2008. The BBB established a profile page for MBA in 2009. MBA is listed as a collection agency and law firm that uses the alternate business name, MBA Law. Buzzfile estimates MBA’s annual revenue at $175,000 and the size of its headquarters staff at 2 employees.
The website for MBA acts as a payment portal for site visitors who have received a collection notice. The site’s heading identifies it as MBA’s online payment portal and includes the statement, “Welcome to the online payment portal for the Law Offices of Mitchell D. Bluhm & Associates. In order to make a payment on your existing account, all you will need is the letter you received from us. We will ask you for some information that can only be found on that letter.” Beneath this statement are the office hours and a phone number for those who “prefer to deal with a live person.”
The left column provides step-by-step instructions for making payments: “Step 1: Enter account information: …Step 2: Select payment type; Step 3: Enter payment information.” A secured socket layer seal certifying the security of data transmission appears beneath Step 3. The site also includes a disclaimer that states, “This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.”
The BBB has closed 310 complaints against Mitchell D. Bluhm & Associates in the preceding 3 years, with 115 complaints closed in the past 12 months. The vast majority of those complaints alleged problems with billing and collections, although several people also complained about customer service. Since June 2015, the Consumer Financial Protection Bureau (CFPB) has closed 32 complaints. Justia lists at least 5 cases of civil litigation involving MBA.
Mitchell D. Bluhm & Associates, LLC
3400 Texoma Pkwy STE 100
Sherman, TX 75090-1916
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Mitchell D. Bluhm & Associates would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases filed in Federal Court
Complaints against Mitchell D. Bluhm & Associates commonly cite problems resulting from disputes about the validity of debts and the accuracy of information reported to the credit reporting agencies. In March 2018, a complainant indicated she had received collection notices regarding medical bills from a company called CF Medical, LLC. CF Medical, LLC had reported 9 accounts to the credit reporting agencies, but the complainant insisted the accounts were not hers. Subsequently, she “received a letter from MBA…regarding 9 different accounts that they had ‘acquired’ from CF Medical LLC, which were ‘acquired’ from Waterway Emergency Physicians.” The letter allegedly stated that the total amount of all nine bills was $6,739.00, but that MBA “had been authorized to extend a special settlement for $4,043.40.” The complainant indicated she had called the number listed in the collection letter, but that it was disconnected. In addition, the letter stated that “all payments must be made directly to…MBA, as Waterway Emergency Physicians no longer has the ability to give…her ‘CREDIT’ for…her payment.” The complainant restated her claim that the accounts were not hers and appeared to be duplicate service statements, with different account numbers but the same dollar amount for each date of service. According to the complainant, MBA is “also affiliated directly with CAPIO partners, who… also placed the exact same accounts on all 3 of…her credit reports in January 2018.” The letter also stated that an “additional” amount of $611.00 was due. The complainant concluded by stating that her credit score suffered by at least 50 points with each agency, and that she was “being harassed every day, including Sundays and after 9pm, for a debt that does not belong to” her. Her contact attempts resulted only in “verbal threats, … possible garnishment, as well as legal proceedings.”
In response, MBA posted a standard response tailored to the specifics of this individual complaint, which stated:
Mitchell D. Bluhm & Associates “has received correspondence regarding the above-referenced consumer complaint. The activities regarding this matter have been investigated through a review of system notes and also through the interview of employees. An investigation shows that the accounts forming the basis of this complaint were placed with MBA on August 30, 2017. The information provided indicates that the accounts are … the complainant’s responsibility. Accordingly, MBA believes the accounts to be due and owing. Research also shows that MBA did not attempt calls at inappropriate times and that … the complainant may be confusing MBA with some third party, as no one at MBA has spoken with her and certainly would not have engaged in the behavior listed in this complaint. We apologize for any inconvenience our collection efforts may have caused, but believe they were in compliance with all applicable state and federal laws. However, in light of …the complaint, these accounts have been closed, credit reporting agencies notified to delete any relevant trade lines and Mitchell D. Bluhm & Associates will make no further attempts to contact her regarding these accounts. Should you require any further information, please do not hesitate to contact us.”
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).
The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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“Thank you so much! With your help the nagging collection calls have ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”
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