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Answer

Is Schreiber Law legit -- and how do you deal with them?

Yes -- Schreiber Law is a legitimate law firm that collects debts, not a scam. Because a law firm collects by filing lawsuits, the main risk is a court summons, so the most important rule is: never ignore one. If you're served, file a written answer by the court's deadline -- if you don't, the plaintiff can win a default judgment that leads to wage garnishment or a bank levy. A law firm that regularly collects debts is still a "debt collector" under the federal Fair Debt Collection Practices Act (FDCPA); attorneys are not exempt, so you keep your rights: demand written debt validation, dispute anything that isn't yours, and don't admit the debt or agree to pay on a phone call before it's validated. Schreiber Law commonly works credit-card and other unsecured accounts, and it frequently collects on behalf of debt buyers -- companies that purchased charged-off debt for a fraction of the balance. That's your leverage: when the plaintiff is a debt buyer rather than the original creditor, it must prove it actually owns YOUR specific account, with the chain of title showing how the debt traveled from the original creditor to the current owner. Resold accounts often have thin or gappy paperwork, and that gap can be decisive. Check the statute of limitations, because a payment or a written promise can restart the clock -- and never make a payment just to "make it go away" without understanding that. If the balance is genuinely yours, validated, and within the statute of limitations, an unsecured account can often be settled in writing -- get any agreement in writing before you pay, and know that a forgiven balance over $600 can trigger a 1099-C.

RC
By Renee Calderon — Consumer debt & rights writer

A letter from a law firm like "Schreiber Law" lands harder than an agency's -- because a law firm can sue. Here's the calm version: it's a real, licensed law firm collecting a debt, you still have your rights, and the first job is to never miss a court deadline.

Short answer

Yes, Schreiber Law is legit -- a real law firm that collects debts, often credit-card accounts for debt buyers. A letter isn't a lawsuit, but never ignore an actual summons -- file a written answer by the deadline. An attorney collecting debts is still a debt collector, so you keep your FDCPA rights.

If you're actually sued

Your rights

Is it a scam?

No -- Schreiber Law is a real law firm, not a fake front. But impostors do imitate real firm names, so verify in writing, never pay from a phone call or a link, and confirm the account before you engage.

If the debt is genuinely yours

Once it's validated and within the statute of limitations, a genuinely-owed unsecured balance can often be settled in writing. Get any agreement in writing before you pay. If a forgiven balance exceeds $600, you may receive a 1099-C; consider asking a tax professional.

This page is general information, not legal or tax advice. Your rights and timelines vary by state; consider consulting a qualified attorney, a nonprofit credit counselor, or legal aid.

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