#1 Way to Remove 'The Moore Law Group' (Hurting Your Score)

Most likely, the call means a creditor or a buyer thinks you owe a past-due account and has assigned or sold it to The Moore Law Group for collection.

Common reasons: a creditor assigned the account for collection; a debt buyer purchased a charged-off balance; the account is in pre-legal review before a possible lawsuit; a skip-trace error matched your number or address to someone else; or identity theft produced a fraudulent account.

Check your accounts against your credit reports at your free annual credit report (https://www.annualcreditreport.com/) to see if the account appears.

Do these actions immediately, and keep records:

• Do not confirm personal details or promise payment on the phone; say as little as possible.
• Send a short written request for validation and await the collector's written validation/notice before discussing or paying; see how to request debt validation (https://www.fair-debt-collection.com/practice-areas/debt-collector-help…) for guidance.
• Log every call, date, time, phone number, and what was said.
• If you're unsure it's yours, reply with a brief "limited information" message, then move all communication to certified mail and dispute in writing if needed.
• Know your rights and what collectors can do, see the CFPB debt collection guide (https://www.consumerfinance.gov/consumer-tools/debt-collection/?utm_sou…).

The Moore Law Group most often collects charged-off consumer obligations: credit cards, personal loans, retail/fintech accounts, medical bills, telecom bills, auto deficiency balances, and court judgments.

• Credit cards, unsecured accounts, usually charged-off, request original statements and charge-off dates.
• Personal loans, include bank and online installment loans, ask for the original loan agreement and payment history.
• Retail and fintech, debt from stores or buy-now-pay-later platforms, require merchant contracts or ledgers.
• Medical, itemized bills and insurance reconciliations matter, request EOBs and itemized statements.
• Telecom, past-due phone or internet accounts, request the service agreement and billing history.
• Auto deficiency balances, deficiency after repossession, request sale reconciliation and payoff calculation.
• Judgments, court-entered debts, request the judgment paperwork and case docket.
• Proof differences: if they bought the account, insist on assignment/bill of sale and chain-of-title plus an itemized accounting; if they claim original-creditor status, insist on the original contract and charge-off record.

Before you pay or negotiate, demand written validation and specific proof: the original agreement, charge-off statement, and any assignment/bill of sale, and document every contact.

For consumer-facing forms and rights see https://www.consumerfinance.gov/consumer-tools/debt-collection/.

You can tell if Moore Law Group is legitimate by independently verifying its contact details, attorney licenses, and court filings, and by spotting common scam red flags.

Do these checks now:

• Cross-check the firm's official website and domain, confirm any phone number and mailing address on the letter match the site.
• Verify named lawyers are active in your state bar directory.
• Compare the notice's contact info with independent listings; do not use phone numbers or payment instructions supplied only inside the message.
• Review actual filings using federal court dockets on PACER: https://pacer.uscourts.gov/
• See complaint history and company profile at the BBB complaint and profile: https://www.bbb.org/

Red flags: requests for gift cards, wires, or app payments; high-pressure 'act today' threats; emails or social accounts not on the firm's official domain; inconsistent names, numbers, or no record of court filings.

If anything mismatches, stop communication, contact the firm using independently verified info, request written debt validation, and consider filing complaints or consulting a consumer attorney.

Use the firm's official contact when you need validation or to send disputes: Phone (800) 506-2652, Mailing Address PO Box 25145, Santa Ana, CA 92799-5145, Website Moore Law Group contact page (https://collectmoore.com/contact-us/); business hours Monday–Friday, 8:00 a.m. to 5:00 p.m. Pacific Time.

Do not rely on a single phone call for dispute details, never give sensitive data to unverified numbers, and send validation/dispute letters by certified mail (keeps a dated receipt and proof of delivery). Use USPS certified mail services (https://www.usps.com/ship/insurance-extra-services.htm), and always verify the domain (collectmoore.com) before clicking links or sharing account details.

You have strong FDCPA protections when you deal with Moore Law Group: no harassment, no false threats, time limits on calls, no work contact if your employer forbids it, a right to validation, and a right to stop most communications.

Collectors may not use abusive language, repeated calls to harass, threaten arrest, or lie about consequences. They must send a written validation notice within five days after first contact, and you have 30 days to dispute or request verification.

If you send a written cease request, they must stop most contacts, except to tell you about specific actions they will take. You can sue for FDCPA violations and may recover actual damages, statutory damages, and attorney fees.

How to use these rights: send a written validation or cease request, keep copies and certified-mail receipts, log call dates/times, tell them in writing not to call your workplace, and get an attorney or complaint help if they ignore the law.

For the official federal summary, see the CFPB explanation of the FDCPA: https://www.consumerfinance.gov/ask-cfpb/what-is-the-fair-debt-collecti….

Note state laws may add stronger protections.

• No harassment or abusive tactics
• No false, deceptive, or misleading statements
• Call time limit: 8 a.m. to 9 p.m. local time
• No workplace contact if employer prohibits it
• Right to written validation/verification (5-day notice, 30-day dispute)
• Right to request they cease most communications in writing
• You may sue for violations (actual and statutory damages, fees)
• State laws can provide extra protections

Send The Moore Law Group a written debt-validation request within 30 days of their first contact, demanding full itemization, the original contract or judgment, and proof of ownership or assignment.

Send it by certified mail with return receipt.

Why this works: federal rules let you dispute within 30 days and require collectors to stop collection until they validate the debt.

Your written demand puts their duty and your proof trail in place.

• Note the date of first contact and start the 30-day clock.
• Write a short, firm letter that requests: itemization from the 'itemization date,' a copy of the original contract or court judgment, proof of ownership or assignment, and an account payment history.
• Mail the letter certified, request return receipt, keep a copy and tracking number, and log delivery dates.
• Add a one-line statement that you dispute the debt and request no further collection except to provide validation.

If The Moore Law Group does not provide adequate validation, they must pause collection until they supply it; if they continue collection or report the account, document the violations, send a follow-up demand with proof of your certified mail, and file an FCRA dispute with the credit bureaus attaching your validation letter and delivery receipt.

- see CFPB sample debt collection letters https://www.consumerfinance.gov/consumer-tools/debt-collection/sample-l… for templates.

If validation is still not produced, file complaints with the CFPB and your state attorney general, consider a small-claims FDCPA suit or hire a consumer attorney.

Never admit or make partial payments that could revive time-barred debt, and keep every copy, timestamp, and certified-mail receipt as evidence.

Treat the account as identity theft: get an FTC Identity Theft Report and police report, then force the entry off your credit and the collector's files.

• file an identity-theft report at IdentityTheft.gov (https://www.IdentityTheft.gov), print the FTC Identity Theft Report, and get a local police report.
• Send a blocking request under FCRA §605B to Equifax, Experian, and TransUnion, attaching the FTC report and police report, and ask them to block the specific Moore Law Group tradeline.
• Send Moore Law Group and the original furnisher a written demand to delete/withdraw the account, include copies of the FTC report and police report, request debt validation, and send by Certified Mail with return receipt.
• Freeze your credit and place an extended fraud alert while this is resolved.
• If the bureaus or collector refuse, dispute the item with each bureau, file complaints with the CFPB and your state attorney general, and keep every date-stamped record and certified-mail receipt.

Do not pay just to make it go away; payment can create liability and admit the debt.

Insist on written deletion before accepting any settlement, and consult a consumer attorney if furnisher or collector violates FCRA/FDCPA or refuses to remove the fraudulent entry.

Yes, debt collectors like The Moore Law Group can contact you, but federal rules and common practice sharply limit when, how, and who they may contact.

• At work: They may call your workplace unless your employer forbids personal calls or the collector is told in writing not to call there; if calls cause disruption or disclose the debt, that can violate rules.
• After hours: Contact should generally avoid unreasonable times; collectors typically restrict calls to about 8 a.m. to 9 p.m. local time, though exact limits can vary by law and context, so document times and locations.
• Social media: Collectors must not publicly disclose your debt; outreach that would reveal the debt publicly is prohibited, and credible guidance expects private, nonpublic communications with an option to opt out; save screenshots and block/report any public posts.
• Friends and family: Contacting third parties is limited to obtaining location or contact information only, not discussing debt details; collectors cannot use third parties to shame or collect payments. See CFPB guidance on debt collector contacts https://www.consumerfinance.gov/about-us/blog/know-your-rights-when-a-d… for practical examples and your rights.

If any contact violates these limits, immediately document date, time, method, content, and witnesses, send a written cease-and-desist or validation request.

Consider filing complaints with the CFPB and your state attorney general or speaking to a consumer attorney for remedies.

You stop most harassment by sending a clear written demand that they stop contacting you, documenting every interaction, and reporting illegal behavior to regulators immediately.

• Send a signed cease-communication or 'contact in writing only' letter, include your name and account info, demand all calls/texts stop, mail by certified mail with return receipt, keep the receipt and a copy.
• Document everything: keep a dated call log (time, number, rep name), save voicemails, texts, screenshots, and call recordings if lawful in your state.
• Request debt validation in writing if you haven't, refuse to discuss the account until you receive proper verification.
• Report violations with evidence to federal and state authorities, for example, file a complaint with the CFPB (https://www.consumerfinance.gov/complaint/) and contact your State Attorney General.
• For automated calls or texts, consider TCPA/FCC remedies, and review guidance on stopping robocalls in the FCC guide to stop robocalls (https://www.fcc.gov/consumers/guides/stop-unwanted-robocalls-and-texts).
• If harassment continues, consult a consumer/debt attorney about FDCPA and TCPA claims, preserve all evidence for court or settlement, and know that asking them to stop does not erase a valid debt but will usually end most calls.

They may add interest, fees, or charges only when the original agreement or applicable law authorizes those add‑ons.

Insist on a full, dated breakdown showing principal, each fee type, the rate or basis, and when each charge began (sometimes called an "itemization date").

and refuse to pay without it; demand this before negotiating or paying and cite the CFPB rule on disclosure when requesting proof: CFPB regulation on collector itemization https://www.consumerfinance.gov/rules-policy/regulations/1006/.

If interest was tolled at charge‑off, conflicts with your contract, or violates state usury limits, flag and dispute the charge in writing, keep copies, and request validation;

if the collector ignores that, use your FDCPA/Reg F rights and consider a state consumer attorney or regulator complaint.

No, a typical collector like The Moore Law Group generally cannot garnish your wages, seize benefits, or freeze your bank account without first suing you and obtaining a court judgment, though tax, student, and some government debts follow different rules. Judgment is usually the legal trigger for wage garnishment and bank levies, and those actions must be authorized by the court or a statutory process.

for a clear breakdown see https://www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-garnish-m…

Exceptions matter: federal tax agencies, certain student loan programs, and some government offsets can collect without a private collector winning a traditional suit, because they use administrative or statutory authorities.

Never ignore a summons - if you fail to respond the court can enter a default judgment that enables garnishment - and many benefits such as Social Security and VA payments have protection rules, read the CFPB's guidance on rules on protected benefits https://www.consumerfinance.gov/ask-cfpb/can-debt-collectors-take-my-so…

If you receive a notice or lawsuit, respond immediately, assert exemptions in court (claim funds like Social Security or VA as protected), ask for a hearing,

and get legal help through legal aid or a consumer attorney; tell your bank which deposits are exempt before a levy hits.

Quick check both the Better Business Bureau and the CFPB complaint database to see Moore Law Group's current rating, complaint volume, response rate, closure time, and the text of consumer narratives - star scores don't tell the whole story.

Look on the Better Business Bureau website (https://www.bbb.org/) for accreditation status, overall rating, number of complaints, how fast the company responds, how complaints are resolved, and the complaint topics (harassment, inaccurate reporting, billing disputes).

Focus on patterns, not a single score.

Then cross-check the CFPB complaint database (https://www.consumerfinance.gov/data-research/consumer-complaints/) for dated complaint entries, company responses, and repeating problem categories; CFPB entries often include short consumer narratives that reveal collection tactics and timing.

If you find similar complaints, document your case the same way: save call logs with dates and times, keep emails and letters, screenshot online account pages,

note agents' names, and preserve any credit-report evidence.

Use documented patterns as evidence when you dispute the debt with bureaus, demand validation in writing, file a BBB/CFPB complaint, or show an attorney or state attorney general

- consistent narratives carry more weight than a lone negative review.

If you want, I can walk you step-by-step through pulling the exact BBB/CFPB entries and turning them into a dispute or complaint template you can send.

To find whether Moore Law Group is tied to class-action suits or settlements, search federal and state dockets and reputable legal news sources for filed class complaints, settlement notices, and claim deadlines.

Then use any settlement terms as leverage in negotiations.

If a certified class or settlement exists, watch for claim forms, opt-out windows, and relief types (credit deletion, refunds, injunctive relief), because those outcomes directly affect your bargaining position and options to join or opt out.

Use PACER's federal docket search (https://pacer.uscourts.gov/) to pull federal filings by party name, then check your state judiciary portal for state-court class cases; search Law360, Bloomberg Law, Google News, and local papers for settlement announcements.

Save docket numbers, download settlement notices and claim forms, note exact claim-window dates and administrator contacts, and compare settlement remedies (debt deletion vs. cash) to decide whether to submit a claim, demand deletion in negotiation, or consult a consumer attorney or legal aid before responding.

Act fast: treat the notice as time-sensitive, verify it, document everything, and demand written validation before admitting or negotiating.

First, confirm the sender, debt amount, account number, and date alleged; do not acknowledge responsibility in writing or by phone until you have proof. Begin a 30-day calendar window as a practical deadline to send a written validation request, and mark follow-up reminders.

For details on what a validation notice should include, see what a validation notice covers: https://www.consumerfinance.gov/ask-cfpb/what-is-validation-notice-en-4….

Gather records and protect your position: pull your credit files from each bureau, preserve the original envelope and any barcodes or tracking info, and consider a third-party review (credit attorney or accredited counselor) before settling or admitting.

To get your official reports, request your free credit reports: https://www.annualcreditreport.com/.

Rapid checklist:

• Calendar a 30-day validation window, set reminders.
• Verify sender identity, phone, and address.
• Itemize alleged amount, dates, and creditor chain.
• Send a written debt validation request by certified mail, return receipt.
• Pull all three credit reports and flag the tradeline.
• Save envelopes, tracking labels, barcodes, and receipts.
• Do not admit the debt in writing or make payments until validated.
• Consider a third-party review (attorney or counselor) before negotiating or paying.

Ignoring The Moore Law Group's calls or letters raises real risks: your account can be reported, sold, or escalated toward a lawsuit.

Late or unpaid accounts often show on credit reports and damage your score quickly; collectors can add fees or sell the account to a more aggressive buyer.

If a court enters a judgment you can face wage garnishment or bank levies under state law, though you will not be criminally arrested for ordinary consumer debt.

A safer route is immediate action: if the debt looks wrong, dispute it in writing and demand validation; if you can't pay, request hardship relief, a payment plan, or a written settlement offer.

Keep every message and send correspondence by certified mail, and contact free legal aid or a consumer attorney to review defenses and statute-of-limitations issues.

Never ignore court papers, respond or appear and get counsel right away. For practical steps see the CFPB's guidance on what to do if a debt collector sues me: https://www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-a-debt-col…; if overwhelmed, consider bankruptcy only after professional advice.

Not necessarily, negotiating down with The Moore Law Group can stop collections quickly but carries credit, tax, and documentation risks you must control.

• Benefit: a settlement can end collection and lower what you owe.
• Credit downside: paid-as-settled or 'settled for less' can further hurt your score versus paying in full.
• Tax downside: forgiven debt may be reported on a 1099-C, so factor potential tax liability; see IRS 1099-C tax guidance (https://www.irs.gov/taxtopics/tc431).
• Must-haves in writing: explicit deletion or reporting update, a full release of liability, and a clause that the account will not be resold.
• Payment safety: never give post-dated checks or electronic authorizations, and do not pay before you get written validation of the debt; see CFPB debt collection resources (https://www.consumerfinance.gov/consumer-tools/debt-collection/).
• Alternative check: before settling, evaluate disputes, verification problems, or time-bar limitations - sometimes the trade-off is removal without payment.

If you decide to negotiate, get precise written terms before paying, keep copies, refuse any oral-only deals, and consult a tax advisor about 1099-C implications.

Yes, they can sue you on a valid or timely debt, but they cannot have you arrested for failing to answer a collection notice or owe consumer debt.

Ignoring a summons risks a default judgment, which can lead to wage garnishment, bank levies, or liens depending on state law, so do not ignore court papers even if the claim feels wrong.

Act immediately: confirm you were properly served, check whether the debt is time-barred, and evaluate statute-of-limitations defenses; request validation of the debt and file a written answer by the court deadline or you risk automatic loss.

For clear, step-by-step guidance on responding to a suit see what to do if a debt collector sues https://www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-a-debt-col….

And if unsure contact free legal aid or a consumer attorney, keep all records, and move fast.

You can take real legal steps: sue for FDCPA violations, pursue TCPA claims for illegal calls or texts, bring state UDAP claims, and file administrative complaints while preserving evidence.

Under the Fair Debt Collection Practices Act you may recover statutory damages up to $1,000, actual damages for emotional distress or lost money, and attorney's fees when a collector breaks the law.

If The Moore Law Group called or texted you using an autodialer or prerecorded message, the Telephone Consumer Protection Act lets you seek roughly $500 per violation and up to $1,500 per willful violation, plus fees in many cases.

State consumer protection or unfair practices (UDAP) laws can add remedies and injunctive relief, and you should also file administrative complaints with the CFPB or state attorney general; start with filing a complaint with the CFPB.

Preserve everything now:

• call logs
• timestamps
• recordings
• voicemails
• letters
• envelopes
• payment records

Consult a consumer-rights attorney quickly to evaluate statute of limitations, combine claims, and calculate damages.

Yes, you can often avoid paying The Moore Law Group if the account is not yours.

They cannot validate the debt, the claim is time-barred, the debt was discharged in bankruptcy, or it is inaccurately reported.

Follow these steps, fast and in writing:

• Request debt validation within 30 days, send by certified mail and keep receipts, do not admit the debt or make oral promises.
• If they fail to validate, demand removal from your credit reports and file an FCRA dispute with the bureaus, include copies of your evidence.
• For time-barred debts, do not pay or make partial payments because payments can restart the statute of limitations.
  Instead insist on written confirmation and consult https://www.ftc.gov/business-guidance/resources/time-barred-debts-what-….
• If the debt was discharged in bankruptcy, send the discharge order and demand deletion, cite your bankruptcy case number.
• If the account is not yours or shows identity theft, collect proof (ID, creditor records, police or FTC identity-theft report) and dispute with the collector and bureaus.
• Use your FDCPA and FCRA rights, document harassment or illegal behavior, and consider filing complaints with regulators or suing for violations.
• Use sample, proven letters to preserve rights and create a paper trail.
  For example see https://www.consumerfinance.gov/consumer-tools/debt-collection/sample-l….
• Get a professional review (consumer attorney or accredited credit specialist) to spot hidden defenses, draft demands, or negotiate safely so you don't accidentally revive a stale claim.

If the Moore Law Group entry is wrong or aged-out, dispute and validate first; if the debt is clearly valid and you need it cleared for underwriting, negotiate a written settlement and treat pay‑for‑delete as an unlikely bonus, not your plan A.

Start by demanding validation from the collector and audit all three credit reports for duplicates, charge‑off dates, amount errors, and statute‑of‑limitations issues; a timely written dispute to the collector during the validation window forces them to verify the debt before continuing collection, while bureau disputes correct reporting but do not necessarily stop collection calls, so sequence actions: validate → dispute inaccurate items with bureaus/furnishers → block or request deletion for obsolete/incorrect data.

Read your validation rights under federal law: https://www.consumerfinance.gov/consumer-tools/debt-collection/validate…. See the CFPB debt collection regulation text for full regulatory language: https://www.consumerfinance.gov/rules-policy/regulations/1006/34/?utm_s…

If the debt is valid and you need it cleared quickly, ask for a written settlement that specifies how the account will be reported to the credit bureaus and the exact payoff amount; pay‑for‑delete is increasingly rare and unreliable, so weigh the enforceability and total cost of a settlement-in-writing versus the slim chance a pay‑for‑delete will be honored, and always get any agreement in writing before paying.

Credit repair companies can help draft disputes but cannot legally force lawful negative items to vanish and they charge fees, so pick the lowest‑risk, lowest‑cost path that gives you documented proof for underwriting.

For more on pay‑for‑delete and settlement tradeoffs, read the risks of paying to remove negative items: https://www.bankrate.com/personal-finance/can-you-pay-to-remove-negativ…, a pay-for-delete explanation and considerations: https://www.nerdwallet.com/article/finance/pay-for-delete?utm_source=ch…, and analysis of paying to remove bad credit reports: https://www.investopedia.com/can-you-pay-to-remove-a-bad-credit-report-…