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Answer

Is The Moore Law Group legit -- and how do you deal with them?

Yes -- The Moore Law Group, A Professional Corporation (APC) is a legitimate debt-collection law firm, not a scam. It's based in Santa Ana, California, with offices and licensing across several Western states (Arizona, Colorado, Nevada, and New Mexico), and it litigates on behalf of creditor clients rather than buying debt itself. In practice the account is often a credit-card balance: the firm frequently represents FIRST-PARTY creditors -- the original banks and card issuers such as Bank of America, Capital One, Chase, and Best Buy -- and it also represents debt buyers. Because a law firm collects by filing lawsuits, the number-one risk is a court summons, and the number-one rule is never ignore one. If you're served, file a written answer by the deadline; if you don't, the plaintiff can win a default judgment automatically, and that judgment is what enables wage garnishment, a bank levy, or a lien. At the same time, an attorney or law firm that regularly collects consumer debts is still a "debt collector" under the FDCPA -- lawyers are not exempt -- so you keep your full validation and dispute rights. Demand written debt validation of the amount and the original creditor, and don't admit the debt on a call. Verify the amount is accurate, and check the statute of limitations, because a payment or written promise can restart the clock -- if the debt is too old to sue on, raise a time-barred defense in your answer. If a debt buyer is the plaintiff rather than the original bank, add one more demand: make it prove it owns your specific account through the chain of title. A genuinely-owed unsecured balance, correctly validated and within the statute of limitations, can often be settled in writing -- sometimes even after a case is filed. Get any agreement in writing before you pay, and note that a forgiven balance over $600 can trigger a 1099-C.

DW
By Dana Whitfield — Personal finance writer

The Moore Law Group is a law firm, and that one fact changes everything: a law firm collects by suing. It often sues for the original bank, and sometimes for a debt buyer -- but the response is the same: don't ignore a summons, and make the plaintiff prove the amount.

Short answer

Yes, The Moore Law Group, APC is legit -- a real California law firm that collects debts, often for original banks and card issuers. Because it collects by suing, never ignore a summons: file a written answer by the deadline. A law firm that regularly collects is still a 'debt collector' under the FDCPA, so you keep your validation and dispute rights.

If you've been sued

Your rights

Is it a scam?

No -- The Moore Law Group, APC is a real law firm that collects debts, not a fake front. But impostors do imitate law firms, so verify any lawsuit through the court itself, get everything in writing, and never pay off a phone call or link.

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, sometimes even after a case is filed. 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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