This image has an empty alt attribute; its file name is cropped-CSM-Pro-Head-Shot.jpg
Christopher S. Mulvaney, Esq.

There are many debt related scams. I will focus on four.

  • Debt Collection Scams
  • Debt Settlement and Relief Scams
  • Credit Card Fraud
  • Identity Theft

Debt Collection Scams

The number one way scammers operate is by telephone. Unscrupulous debt collectors can lie to you and tell you that a warrant has been issued for your arrest and that you will go to jail if you don’t pay. This is false. Debt is a civil matter, not a criminal matter. Unscrupulous debt collectors can lie to you and tell you that you have to pay the debts of your deceased loved one. This is false. The Estate pays debts of the deceased. If the Estate cannot pay the Estate is insolvent. Loved one’s are not liable.

Debt Settlement & Relief Scams

Debt settlement companies do not owe fiduciary duties to you the way that lawyers do. Companies can take fees from you when you have a debt-to-income ratio higher than 35% and a high probability of getting sued which will trigger the need for bankruptcy protection.

Stop Credit Card Fraud

with a Credit Freeze

I did this myself and recommend a credit freeze.

Below is a link for how to do it for all three bureaus.

It does not stop you from getting a free credit report at which I also recommend.

Identity Theft

There are government resources to help you reclaim your identity.

Legal Services Offered

While my practice is centered on helping consumers get out of debt and protect themselves and their families in the event of death or incapacity, I am happy to offer additional legal services to my existing estate planning and bankruptcy clients.

Are you worried about mounting debt? Or facing a Judgment, Garnishment or Foreclosure?

Have you been putting off getting an estate plan for too long?

I offer my clients legal counsel regarding foreclosure, buying and selling real estate, Transfer on Death Deeds, and real estate matters generally.  

MULVANEY LAW OFFICES, PLLC does not do litigation.

Christopher S. Mulvaney, Esq. – My Mission:

To provide the best legal outcome, smoothest process, best value, and to make a positive difference in the life of each client.

I offer initial ZOOM legal consultations to prospective estate planning and bankruptcy clients for two reasons:

(1) determining if the issues are within my practice areas (the “wheelhouse”), and

(2) determining whether a potential client is willing to let me lead them to the best likelihood of achieving a favorable outcome with the smoothest process of getting there. 



Please email me at or use the form below to schedule your ZOOM consultation.

Electronic signing and Notary is available through DocVerify

Electronic recording is available through SimpliFile.


  • Seattle, Tacoma, Everett, Bellevue, Redmond, Renton, Issaquah, Sammamish, Maple Valley, Burien, SeaTac, and throughout King, Snohomish, and Pierce counties.