We Fight Lawsuits From Mullooly, Jeffrey, Rooney & Flynn, LLP


Dealing With Lawsuits From Mullooly, Jeffrey, Rooney & Flynn

If you’ve received notice that you’re being sued by the law firm Mullooly, Jeffrey, Rooney & Flynn (MJRF), you’re probably feeling anxious and overwhelmed. MJRF is an aggressive debt collection law firm that files thousands of lawsuits each year on behalf of creditors like banks, debt buyers, and hospitals. But don’t panic – you have options. As a financial services company dedicated to helping consumers, we want to empower you with information so you can make the best choices for your situation.

Understanding MJRF Lawsuits

MJRF tends to sue over unpaid credit card debt, medical bills, personal loans, and other types of consumer debt they’ve been hired to collect on. Some of their more common clients include:

  • Major banks like Bank of America, Capital One, and Citibank
  • Debt buyers like Cavalry SPV I, LLC and Asset Acceptance, LLC
  • Hospitals like Brookhaven Hospital

If you’re sued by MJRF, it means one of these creditors has sold or assigned your debt to the law firm to take legal action to recover what you owe.MJRF will serve you with a summons that gives notice of the lawsuit and requires you to respond within 20 days in New York. If you don’t respond, they can obtain a default judgment against you. This allows them to garnish your wages or put liens on your bank accounts and property.So if you get sued, it’s absolutely vital that you take action right away. But what are your options?

Responding to a MJRF Lawsuit

Here are some smart ways to respond if you’re sued by Mullooly, Jeffrey, Rooney & Flynn:

Negotiate and settle

If you owe the debt and can afford to pay it, reaching a settlement agreement is often the quickest and easiest resolution. Many creditors will agree to settle for less than the full amount if you pay promptly. Be sure to get any settlement offer in writing before paying.

Request debt validation

If you don’t recognize the debt or question its validity, send a debt validation letter requesting proof you actually owe the amount claimed. By law, they must provide this documentation. Carefully review it and only pay if the debt is validated.

File an answer

To avoid a default judgment, you must file a written response (an “answer”) to the lawsuit within 20 days in New York. Deny parts of the complaint you disagree with. You can also include affirmative defenses challenging the validity of the debt



Assert your rights

The Fair Debt Collection Practices Act prohibits false statements, harassment, and unfair practices. If MJRF violates your rights, point this out in your answer and consider reporting them to the CFPB.

Explore bankruptcy

If you have extensive debts you can’t pay, bankruptcy may be an option. This immediately halts collections and discharges qualified debts. An attorney can advise if you qualify.

Hire a debt defense attorney

For the best protection, consult an attorney experienced in defending debt collection lawsuits. They can help craft the strongest response, represent you in court, and negotiate settlements. Legal aid organizations also provide free assistance if you meet income requirements.

What to Expect if You Lose an MJRF Lawsuit

If you are unable to settle the debt and lose in court, be prepared for MJRF to aggressively collect through:

  • Wage garnishment: They can obtain a court order to have amounts deducted directly from your paycheck. Federal and state laws protect some income.
  • Bank levies: They can seize funds from your bank accounts and financial accounts. Some funds are protected, like Social Security.
  • Property liens: They can place liens on your real estate and other property as security until the judgment is satisfied. This can affect your credit and ability to sell assets.

Tips for Dealing With MJRF Moving Forward

Even if you lose an MJRF lawsuit, all hope is not lost. Here are some tips to regain your financial footing:

  • Communicate: Keep the lines of communication open. Explain your financial situation and try to work out a reasonable payment plan.
  • Prioritize essentials: Make sure you pay for necessities like housing, utilities, food, and medications first.
  • Seek help: Nonprofit credit counseling agencies can help manage payments and develop budgets.
  • Rebuild credit: Get current on bills, pay down balances, and dispute errors to improve your credit over time. A good credit score helps access affordable credit.
  • Consider alternatives: Explore options like debt consolidation loans or settlement offers that resolve what you owe at a discount.

Debt lawsuits can be scary but arm yourself with knowledge. Read up on consumer rights under the FDCPA and your state laws. Take advantage of legal protections. Work on improving your finances over time. And know there are always ethical options to resolve debt and move forward. You got this!

Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

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