Law Office of Michael J. Scott, PC
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Credit card debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 4 |
| 2014 | 19 |
| 2015 | 23 |
| 2016 | 11 |
| 2017 | 23 |
| 2018 | 26 |
| 2019 | 29 |
| 2020 | 35 |
| 2021 | 31 |
| 2022 | 25 |
| 2023 | 55 |
| 2024 | 97 |
| 2025 | 172 |
| 2026 | 30 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Law Office of Michael J. Scott, PC
Law Office of Michael J. Scott, PC has 517 debt-collection complaints on file with the CFPB, which represents 89.1% of the 580 total complaints the Bureau has received about this entity. Reports have originated from consumers in 15 states and territories, making this a multi-state collection operation as measured by complaint volume. "Credit card debt" is the debt type named most often in complaints against this collector, the category consumers reach for most when filing a CFPB report. The specific issue named most is "Took or threatened to take negative or legal action," a reasonable starting point for understanding recurring friction with this collector.
98.4% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That clears the industry benchmark, a sign the intake process is functioning on schedule. 0% of resolved cases against this company closed with some form of consumer relief, a notably low ratio worth weighing against the disputed-response percentage. Consumers formally disputed the company's response in 27.4% of resolved cases, signalling how often the initial resolution failed to satisfy the complainant.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Law Office of Michael J. Scott, PC have?
517 debt-collection complaints against Law Office of Michael J. Scott, PC appear in the CFPB record - 89.1% of the company's total complaint volume.
Does Law Office of Michael J. Scott, PC respond to complaints on time?
Law Office of Michael J. Scott, PC has a 98.4% timely response rate. That is a strong response record by CFPB standards.
Does Law Office of Michael J. Scott, PC provide relief to consumers?
0% of resolved complaints against Law Office of Michael J. Scott, PC were closed with some form of consumer relief (monetary or non-monetary).
What type of debt does Law Office of Michael J. Scott, PC primarily collect?
Based on CFPB complaint records, Law Office of Michael J. Scott, PC's primary debt type is "Credit card debt"; the complete breakdown is shown above.
What rights do I have against Law Office of Michael J. Scott, PC?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Law Office of Michael J. Scott, PC active?
CFPB data shows consumer complaints against Law Office of Michael J. Scott, PC from 15 states and territories.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.