Mr. Cooper

Creditors like Mr. Cooper cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

If Mr. Cooper violated the law, you may be entitled to money damages and Mr. Cooper will pay our fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Mr. Cooper?

Mr. Cooper provides mortgages for homeowners.  Founded in 1994, Mr. Cooper has a B- rating on the Better Business Bureau (BBB) and has received over 1,300 BBB complaints from consumers in the past three years.

Mr. Cooper was formerly known as “Nationstar Mortgage LLC.”

Mr. Cooper’s Address, Phone Number, and Contact Information

Mr. Cooper is located at 8950 Cypress Waters Blvd., Coppell, TX 75019. The customer service telephone number is 888-480-2432 and the main website is www.mrcooper.com/

Phone Numbers Used by Mr. Cooper

Like many creditors, Mr. Cooper may use many different phone numbers to contact debtors. Here are additional numbers Mr. Cooper may be calling you from:

Mr. Cooper Lawsuits

If you want to know just how unhappy consumers are with Mr. Cooper, take a look at the number of complaints consumers have made online. If you think Mr. Cooper is not playing fairly, have rights under the law and we can help you at no cost to you. UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business.

Mr. Cooper Complaints

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Mr. Cooper took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Mr. Cooper, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 - $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Mr. Cooper continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and a potential case under the EFTA.  According to Twitter, on April 24, 2021, Mr. Cooper Tweeted, "We are aware that some customers are experiencing payment issues today. We understand how concerning this is to those impacted, and we are working with the banks involved to resolve the issue as quickly as possible."

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Mr. Cooper is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report. 

Several states also have laws to provide their citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above.  North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 - $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have the leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop Mr. Cooper’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Mr. Cooper violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.

THAT’S NOT ALL…

We have helped thousands of consumers stop phone calls.  We know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.

What if Mr. Cooper is on My Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt. 

THE GOOD NEWS IS…

If Mr. Cooper is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

What Our Clients Say About Us

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Agruss Law Firm was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!

“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling altogether!! He even settled it so I was paid back for the problems they caused!”

Can Mr. Cooper Sue Me?

Yes, Mr. Cooper can sue you. Mr. Cooper can hire a lawyer to file a breach of contract lawsuit against you for the underlying debt, fees, and costs. If you’ve been sued by Mr. Cooper, do not ignore the lawsuit; you may have defenses. If you ignore the lawsuit, the default will be entered and the agency may seek to garnish your wages. If you receive notice of a lawsuit, contact an experienced attorney as soon as possible, even if you intend to represent yourself pro se. If Mr. Cooper has threatened to sue you, contact Agruss Law Firm as soon as possible; we’re here to help.

Can Mr. Cooper Garnish My Wages?

Yes, if Mr. Cooper has a judgment entered against you. If Mr. Cooper is currently garnishing your wages or threatening to do so, contact our office as soon as possible.

Mr. Cooper Settlement

If you want to settle a debt with Mr. Cooper, ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will Mr. Cooper remove it from my credit report?
  5. If I pay this debt, will the third-party debt collector remove it from my credit report?
  6. If I pay this debt, will I receive written confirmation from Mr. Cooper confirming the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Mr. Cooper, we at Agruss Law Firm are here to help you.

Top Debt Collection Violations

Debt collection laws provided a laundry list of what collectors can and cannot do while collecting a debt.  Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often do to violate the law. 

  1. Called you about a debt you do not owe.
  2. Called you at work after you told them you cannot receive calls at work.
  3. Left you a message without identifying the company’s name.
  4. Left you a message without disclosing that the call is from a debt collector.
  5. Called third parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.
  6. Disclosed to a third party (family, friends, coworkers, or neighbors) that you owe a debt.
  7. Contacted you after you said stop calling.
  8. Threatened you with legal action (such as a lawsuit or wage garnishment).
  9. Called you before 8:00 AM or after 9:00 PM.
  10. Continued to call you after you have told the collector you cannot pay the debt.
  11. Communicated (phone or letter) with you after you filed for bankruptcy.
  12. Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

  1. Do I have to pay your fees and costs for helping me with my consumer rights case? No. We handle consumer rights cases based on a fee-shift provision and/or a contingency fee. That means, either the other side pays your fees and costs, or we take a percentage of your recovery. Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time.

  2. What are the damages under the Telephone Consumer Protection Act? You can get $500 per robocall, or $1,500 per robocall if the robocalls were willful. In any type of settlement, oftentimes Defendants pay much less than $500 per call. However, if there are 50 calls at issue, even at $250 per call, your case could settle for $12,500.00.

  3. Are there state laws that protect me from original creditors? Yes! Several states also have laws that provide their citizens an additional layer of protection. For example, if you live in California, Connecticut, Florida, Kansas, Massachusetts, Michigan, Missouri, Montana, North Carolina, Nevada, Oklahoma, Pennsylvania, Texas, and Wisconsin, you have additional state-law rights.

  4. What type of debt is covered under state laws that protect me from original creditors? Only consumer debt, such as personal, family, and household debts. For example, the money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. State laws usually do not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets.

  5. Does the Fair Debt Collection Practices Act apply to banks or credit card companies? No. Only third-party debt collectors are bound by the FDCPA. That is, original creditors, such as credit card companies and banks are not bound by the FDCPA.

  6. Are mistakes on credit reports common? Yes! Are you one of the 40 million Americans that have a mistake on their credit report? Mistakes on your credit report can be very costly. Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft.

  7. What do I do if I have a mistake on my credit report?  If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information. If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision. This means, the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com. You can also learn more about the FCRA and your rights at http://www.agrussconsumerlaw.com/practices/common-credit-report-errors/.

We Fix Complaints When Customer Service Won’t

Has Mr. Cooper used misleading tactics when it comes to your mortgage? Have you received poor service? Do you have complaints with billing? Do you want customer service at Mr. Cooper to listen?

A lot of Mr. Cooper customers aren’t happy with their service. If your complaints haven’t been heard, we can help. At Agruss Law Firm, LLC we help customers who have been mistreated by big companies--much like Mr. Cooper--and we turn your complaints into resolutions!

We’ll not only file your legal demands with Mr. Cooper, we’ll negotiate with the company. If your claim isn’t resolved through these negotiations, we will litigate against Mr. Cooper to enforce your rights under the law.

Agruss Law Firm, LLC gets results--including credited balances, refunds, and other compensation. 

Here’s How to Make Big Companies Listen

It can be frustrating when you rely on a service and don’t get the results you’ve paid for. Big companies make mistakes every day and not only is it their fault, it can cost you money, time, and leave you with big headaches. 

Have you tried calling Mr. Cooper to address an issue, only to be told that the representative has no authority to do so? Or maybe you’ve tried talking to someone higher up in the company, only to be ignored, dismissed, or they take too long, continuing to waste your precious time. Maybe you’ve sent an email to the company which only resulted in a prefabricated response or they never follow through with what they’ve promised. 

When you’re limited in your choices for service providers or you’re locked into a contract, what can you do?

Fortunately, you do have options. 

UDAAP and Mr. Cooper

UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business. This includes misrepresentation, deception, false advertising, or false promises. These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.

UDAAP laws are regulated by two organizations, the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). The FTC expanded the initial UDAAP laws in 2004 to include unfair and deceptive acts and practices. Some standards for unfairness, in particular, include if it causes or is likely to cause substantial injury to consumers, the injury is not reasonably avoidable by consumers, and the injury is not outweighed by countervailing benefits to consumers or to competition.

Every state has UDAAP laws, which can vary widely. However, the lawyers at Agruss Law Firm, LLC understand these laws and can use them to get compensation for deceptive practices, representing consumers throughout the country in cases of arbitration at no cost to them. The company will not only pay the consumer, but they will also pay my fees as well. The consumer will never pay me a cent.

If you’re dealing with an issue with Mr. Cooper, you might try filing a complaint with the BBB or the customer service team with Mr. Cooper. Unfortunately, these avenues won’t always lead to a successful resolution for you, the customer. Instead, you may want to consider an experienced consumer rights lawyer to take on your case. 

Share Your Complaints Against Mr. Cooper Below

We encourage you to post your complaints about Mr. Cooper. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!

HERE’S THE DEAL!

If you are being harassed by Mr. Cooper over a debt, you may be entitled to money damages – up to $1,000 for harassment. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.

We are listening

We will respond to you at lightning speed.
All of your information will be kept confidential.

Submitted Comments

I was lied to by employees of Mr. Cooper who stated if I used the forbearance Pandemic Relief plan that my missed payments would be deferred to the end of my loan. After resuming my payments as agreed in February and speaking to them on the phone, they told me my payments would resume as normal. Now they are trying to come at me and are asking for the full amount of my relief. That is 18 months of payments they are trying to demand. I made my second mortgage payment after the end of the forbearance, in March. I was told that a supervisor would call me back as I cannot get the same person twice when I call them. They have told me three seperate times I would get a phone call to straighten this out. I am still waiting. This has been going on for 2 weeks. They are still demanding the full relief amount in a lump sum, which according to the Cares Act they cannot do. I have filed a complaint with the CFPB and am waiting to talk to my personal attorney, but this is not his field of expertise.

Michael Agruss Headshot

Hi Teri. I have heard similar stories to this and it can be both frustrating and scary, especially if you can't come up with the money they are demanding in the time that they want it. If they are violating your rights, you may be entitled to compensation. I can discuss this with you when I give you a call, but you can also reach me sooner at my office at 888 572 0176. Thanks, Mike

My loan was sold from Chase bank to MR cooper though Chase give us some money back back I still feel I am being misled I have had my home for over 19 Years but they still tell me I am stuck with My PMI When chase sold my loan before that they put us in a 40 year mortgage which we can not refi out of not sure but I could some advice on this

Michael Agruss Headshot

Hi Nicholas. As your situation is a unique one, I would like to get some more information from you and then we can discuss your options in dealing with your mortgage with Mr. Cooper. I will give you a call. Thanks, Mike

Went through chapter 13 Bankruptcy in 2010. The bankruptcy has fully been removed from my credit report last year in February. My experian report has never had the negative information removed. Mr. Cooper is on all three of my credit reports. But the two others are not negative or showing as an issue. Looking into this, they have never removed their report stating I had late payments. It has effected my interest rates. I also have called their customer service number many times but since I no longer have an account there they will not fix it. Or for other reasons they won’t fix it. I have screen shots of all 3 reports. It is clear that experian has never been cleaned up.

Michael Agruss Headshot

Hi Michael. It sounds like there are some issues with your credit reports and if you could send them over to my office, I would like to review them. I will then give you a call to discuss what options you have. My email address is [email protected] Thanks, Mike

Mr. Cooper mortgage has benign stalling me on a modification, using lies. I've been waiting to get an answer on the modification since November 2020. They had me to write a letter about about person who they stated was on my loan, but come to find out this person work for them. Please help!

Michael Agruss Headshot

Hi Jerome. What lies are they telling you? What type of letter did they have your write? I would like to get some more details about your case and determine what I can do to help you. Please give me a call at 312-224-4695. Thanks, Mike