Is Law Offices of Charles Mifsud, LLC on Your Credit Report?
Short answer: Law Offices of Charles Mifsud, LLC (Law Offices of Charles Mifsud) is a real, legitimate collection law firm based in Columbus, OH. It is not a scam — but a legitimate collector can still report a debt that is inaccurate, unverified, past the statute of limitations, or not even yours. You have the right to demand proof before you pay a cent.
Who Is Law Offices of Charles Mifsud, LLC?
Law Offices of Charles Mifsud, LLC is a collection law firm operating out of Columbus, OH. It may appear on a credit report under this name or an abbreviation of it. Its book of business centers on credit card debt.
You may also see this company on your report or in letters as: Law Offices of Charles Mifsud.
What most people don't know about Law Offices of Charles Mifsud:
According to the West Virginia Tax Division, Law Offices of Charles Mifsud, LLC maintains an active collection-agency registration from 326 S High Street Anx, Columbus, OH 43215-0000. The Collection Agency Act of 1973 is the statute that puts this company on the state's list in the first place. Because it is a public record, you can cite it when you demand that the company identify itself in writing under FDCPA § 1692g. As a law firm rather than a plain agency, correspondence from this entity can escalate to suit faster, so timelines matter more.
Why Is Law Offices of Charles Mifsud on My Credit Report?
Law Offices of Charles Mifsud, LLC typically collects credit card debt, judgment balances, commercial claims. A collection like this usually lands on your report because:
- ✅ An original account (a credit card debt, for example) went unpaid and was charged off.
- ✅ The account was placed with Law Offices of Charles Mifsud, LLC to collect on behalf of the original creditor.
- ✅ Law Offices of Charles Mifsud, LLC furnished the account to one or more of the three credit bureaus (Equifax, Experian, TransUnion).
Important: a collection account on its own does not prove you owe the debt or that the amount is correct. That's where your rights come in.
Your Rights When Law Offices of Charles Mifsud Contacts You
Federal law — the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) — gives you powerful tools. Here is the playbook we use at Crowned Credit.
1. Debt Validation (FDCPA §809)
Within 30 days of first contact, send Law Offices of Charles Mifsud a written debt-validation letter. They must prove the debt is yours, the amount is correct, and they have the legal right to collect. If they can't, they must stop collecting and it should come off your report.
2. Dispute With the Bureaus (FCRA §611)
You can dispute the Law Offices of Charles Mifsud tradeline directly with Equifax, Experian, and TransUnion. The bureaus have 30 days to investigate. If the account can't be verified, the law requires it be deleted or corrected.
3. Cease-and-Desist
You can demand in writing that Law Offices of Charles Mifsud stop contacting you. They can still report and sue, but they must stop calls and letters — useful for stopping harassment while you build your case.
4. Pay-for-Delete (in writing only)
If the debt is valid and yours, you may negotiate to pay in exchange for deletion of the tradeline. Never pay on a verbal promise — get the pay-for-delete agreement in writing first.
5. Statute of Limitations
Every state has a time limit on how long a collector can sue you for a debt. If the debt is "time-barred," Law Offices of Charles Mifsud can still ask for payment but generally cannot win a lawsuit — and making a payment can dangerously restart the clock.
6. Protection From Harassment
The FDCPA bars Law Offices of Charles Mifsud from calling at unreasonable hours, threatening you, or lying. Every violation is potential leverage — and may entitle you to damages.
How Crowned Credit Helps With Law Offices of Charles Mifsud
We don't send cookie-cutter form letters. We investigate the specific account, assert every applicable right, and work it with all three bureaus and the collector directly.
Review & Validate
We pull all three bureau reports, find every error on the Law Offices of Charles Mifsud entry, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and the collector. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor deletions in real time and coach you on rebuilding once inaccurate items are addressed.
See our transparent pricing — no long-term contracts.
Law Offices of Charles Mifsud, LLC — Frequently Asked Questions
Is Law Offices of Charles Mifsud, LLC a scam or a legitimate company?
Law Offices of Charles Mifsud, LLC is a real, registered collection law firm headquartered in Columbus, OH. It is a legitimate business — but "legitimate company" does not mean the specific debt it's reporting is accurate, validated, or even yours. Scammers do sometimes impersonate well-known collectors like Law Offices of Charles Mifsud, so always demand written validation before paying anything.
Why is Law Offices of Charles Mifsud, LLC on my credit report?
Law Offices of Charles Mifsud, LLC is a collection law firm operating out of Columbus, OH. It may appear on a credit report under this name or an abbreviation of it. Its book of business centers on credit card debt. It most commonly collects credit card debt, judgment balances, commercial claims. It likely appeared after an original account went unpaid and was placed with them for collection. According to the West Virginia Tax Division, Law Offices of Charles Mifsud, LLC maintains an active collection-agency registration from 326 S High Street Anx, Columbus, OH 43215-0000. The Collection Agency Act of 1973 is the statute that puts this company on the state's list in the first place. Because it is a public record, you can cite it when you demand that the company identify itself in writing under FDCPA § 1692g. As a law firm rather than a plain agency, correspondence from this entity can escalate to suit faster, so timelines matter more.
Can Law Offices of Charles Mifsud, LLC be removed from my credit report?
Yes — inaccurate, unverifiable, or improperly reported Law Offices of Charles Mifsud collection accounts can be removed. Under the FCRA, the credit bureaus must investigate your dispute, and if Law Offices of Charles Mifsud, LLC cannot verify the debt, it must come off your report. Crowned Credit reviews the account for errors, demands debt validation, and disputes it with all three bureaus.
Should I pay Law Offices of Charles Mifsud, LLC or dispute it first?
Do not pay before you validate. Once you confirm a collection is yours, accurate, and within the statute of limitations, you may consider a pay-for-delete agreement in writing. But paying an unverified or time-barred debt can restart the clock and lock in a negative entry. Get a free assessment before you send any money to Law Offices of Charles Mifsud.
How long can Law Offices of Charles Mifsud, LLC report this debt?
Most negative collection accounts can remain on your credit report for up to seven years from the original delinquency date — not from when Law Offices of Charles Mifsud, LLC acquired or began collecting it. If the account is being "re-aged" to look newer, that is a reporting violation you can dispute.
Will Law Offices of Charles Mifsud, LLC sue me?
Some collectors and debt buyers do file lawsuits, especially before the statute of limitations expires. If you are served, do not ignore it. Validate the debt, check whether it is time-barred in your state, and get help. Because this type of entity is more likely to litigate, acting early matters.
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