If Machol & Johannes is calling you repeatedly, leaving aggressive voicemails, or pressuring you to pay without proper documentation, you may be experiencing illegal debt collection practices.
Federal law limits how debt collectors can contact you. When these rules are violated, you may have the right to stop the calls and seek compensation.
Who Is Machol & Johannes?
Machol & Johannes is a third-party debt collection agency based in Denver, Colorado. The company has operated since the late 1960s and has collected debts on behalf of creditors and financial institutions.
Company Information
| Detail | Information |
|---|---|
| Name | Machol & Johannes, LLC |
| Location | Denver, Colorado |
| Address | 700 17th St, Suite 200, Denver, CO 80202 |
| Phone | (303) 830-0075. Fax: (303) 893-2657 |
As a third-party collector, the company is required to follow the Fair Debt Collection Practices Act (FDCPA).
Is Machol & Johannes a scam?
According to the Better Business Bureau website, the collection agency Machol & Johannes has been in business since 1968. There have been 39 complaints closed in the last 3 years and 15 complaints closed out in the last 12 months.
Machol & Johannes Contact Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
- 866-729-3328
- 866-857-7527
Common Complaints About Machol & Johannes
Consumers have reported issues such as:
Incomplete debt information
Refusal to honor written requests
Pressure tactics
Inaccurate credit reporting
Not every call is illegal, but patterns of behavior matter.
What To Do If They Are Calling You (Step-by-Step)
Step 1: Request Written Validation
Within 30 days of first contact, request proof of the debt in writing.
Step 2: Start a Call Log
Record:
Date
Time
Number
Agent name
Message
Step 3: Send a Cease Communication Letter
You may legally request that the collector stop contacting you.
Step 4: Dispute Errors
If information is wrong, send a written dispute by certified mail.
Step 5: File Complaints
Submit reports to:
FTC
CFPB
State Attorney General
Step 6: Consult an Attorney
If violations continue, speak with a consumer protection lawyer.
Lawsuit: Can Machol & Johannes Take Me to Court?
Yes, Machol & Johannes may file a lawsuit if:
The debt is legally valid
They have proper documentation
The statute of limitations has not expired
However, before suing, they must:
Send you written notice of the debt
Give you time to dispute it
File the case in the correct court
Never ignore court papers as this can lead to an automatic judgment
Respond by the deadline listed on the summons
Consider consulting a consumer attorney immediately
Many lawsuits can be dismissed if the collector cannot prove ownership of the debt.
Wage Garnishment: When Can They Take My Paycheck?
A debt collector cannot garnish your wages unless:
They sue you in court
They win the case
A judge issues a garnishment order
Until all three steps happen, wage garnishment is illegal.
Even after a judgment:
Certain income is protected (Social Security, disability, veterans’ benefits)
Some states offer stronger protections
You may be able to challenge or reduce garnishment if it causes financial hardship.
Arrest: Can I Go to Jail for Not Paying?
No. Failing to pay a consumer debt is not a crime.
Debt collectors:
Cannot issue arrest warrants
Cannot send police
The only situation where arrest may occur is if:
You ignore a court order (such as failing to appear in court), and
A judge issues a warrant for contempt of court
This is rare and unrelated to simply owing money.
If a collector threatens arrest, it is usually a violation of federal law.
How Harassment Can Affect Your Credit
Debt collection accounts may:
Lower your credit score
Remain for up to 7 years
Affect loan approvals
However, inaccurate reporting must be corrected under the Fair Credit Reporting Act (FCRA).
You can dispute incorrect entries directly with credit bureaus.
Machol & Johannes complaints
The following is a sample list of complaints filed against Machol & Johannes which can be found on Pacer.gov.
- 📋 2:19-cv-00259-RB-SMV Griffith v.
- 📋 1:18-cv-02665-KLM Jimenez v.
- 📋 1:18-cv-02291-CMA-KMT Blanks v.
- 📋 1:17-cv-01178-WJ-KK Adams v.
- 📋 2:17-cv-01347-JLR Wall v.
CONSUMER RIGHTS LAW FIRM, PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in providing services to clients who are facing Machol & Johannes Debt Collection harassment in any form, including telephone communication. Contact a legal professional to stop Machol & Johannes debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent Machol & Johannes debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 “I just want to say, Thank You so much, Matt! I’m grateful to God that He directed me to click on the website. I was overwhelmed with the constant harassment from a debt collector. Thank you so much for all your help. Matt worked all so quickly and was able to help me to stop the harassment.
I recommend this law firm because they care about the people.”. - 🏆 “They worked quickly to not only get the account removed from my credit report but also get me a settlement on top of that. Of course, this was my result – yours may differ. I didn’t have to pay a single dime for the service. All my questions were answered thoroughly and in a very timely manner. Do not hesitate to put your trust in this law firm.”
- 🏆 “Matthew was unbelievably helpful and made me feel so much better about my situation. And he helped me get rid of four of my outstanding debtors which helped relieve my load so much. I highly recommend working with this firm as they have your interests first and foremost.”
- 🏆 “Trust me when I say consumer rights law firm PLLC is the best law firm I’ve dealt with so far’ I guarantee you won’t be disappointed, please give them a call if you ever need to, and Mathew is a great help, and good personality.”
FAQs
Is Machol & Johannes a scam?
No, Machol & Johannes has been in business since 1968.
Can Machol & Johannes seize my property?
Machol & Johannes can’t seize your property, but there are some exceptions. If the debt was tied to the property or certain accounts, the collector may be able to repossess it. Additionally, if the collector has sued and obtained a judgment against you, the debt collector may be able to take certain property as permitted by the court. It’s important to note that some funds in your accounts may be protected from garnishment, and debt collectors must provide sufficient notice regarding these protections.
Can Machol & Johannes sue me?
Yes, Machol & Johannes can sue you so long as the debt is within the statute of limitations.
Can Machol & Johannes report my debt to the collections bureaus?
Yes, Debt collectors are allowed to place the collection account on your credit report
Can Machol & Johannes arrest me?
Can I still receive a debt collection notice from Machol & Johannes?
It’s unlikely, as the firm is no longer operating. However, if you do receive a notice, verify its authenticity and consult with a legal professional.
How can I check if I am eligible for restitution from Machol & Johannes?
The Washington State Attorney General’s office handled the restitution process. If you were a consumer affected by the firm’s practices, you should have received a check. For inquiries, contact the Attorney General’s office directly.
What should I do if I have a judgment filed by Machol & Johanne
If you have a judgment filed by the now-defunct firm, it’s advisable to consult with a legal professional to understand your options and ensure your rights are protected.
How can I protect myself from debt collection harassment?
Familiarize yourself with your rights under the Fair Debt Collection Practices Act (FDCPA). If you believe a debt collector is violating your rights, you can file a complaint with the Federal Trade Commission (FTC) or consult with a consumer protection attorney.
What Happened to Machol & Johannes?
Machol & Johannes went out of business after legal actions and regulatory scrutiny over their debt collection practices, including fines and restitution payments to affected consumers.
How do you feel about the future of Machol & Johannes, LLC?
Machol & Johannes, LLC appears to be out of business or inactive, based on recent reports and lack of online presence. Its future seems uncertain, and it may no longer be operational.
We received a letter from Machol & Johannes LLC: What to do?
If you receive a letter from Machol & Johannes LLC, first verify if the company is still in business. Keep the letter for records, do not ignore it, and consider consulting a consumer rights attorney. If it’s an old debt, you may also request validation of the debt before taking any action.
