This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 556 complaints

Law Office of Michael J. Scott, PC - Debt Collector Complaint Profile

CFPB complaint profile across 15 states, reputation grade D.

Complaints by issue type

What consumers report about Law Office of Michael J. Scott, PC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record law-office-of-michael-j-scott-pc Law Office of Michael J. Scott, PC

Grade D · 556 CFPB filings · 98% timely · lead issue: Took or threatened to take negative or legal action · vol #251 · compose #365

  • VOL 556
  • GRADE D
  • 12MO 134
  • STATES 15
  • TIMELY 98%
  • DISPUTE 30%
  • ISSUE Took or threatened to take…
  • RANK #251
  • COMPOSE #365

Volume peers

Nearest volume peer: EdFinancial Services (556 complaints)

Oportun Financial CorporationOportun Financial Corporation555EdFinancial ServicesEdFinancial Services556Monarch Recovery Holdings, Inc.Monarch Recovery Holdings, I…556Law Office of Michael J. Scott, PC (this)Law Office of Michael J. Sco…556CarMax, Inc.CarMax, Inc.557
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Law Office of Michael J. Scott, PC's 556 CFPB complaints sit next to EdFinancial Services on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 556 complaints break down

Every complaint issue type on record for Law Office of Michael J. Scott, PC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
51.0/100
Law Office of Michael J. Scott, PC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
556
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
98%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
30%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

56.3% of Law Office of Michael J. Scott, PC's CFPB filings land in Texas

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Texas 56.3%
313 of 556 filings · 15 states touched
Seasonal peak
2024-09 9.2%
8–15% band · 20 filings
Corpus ranks
#251 volume
#365 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Law Office of Michael J. Scott, PC compare to its peers?

How does Law Office of Michael J. Scott, PC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Law Office of Michael J. Scott, PC National average
Complaints (last 12 mo)lower is better
134
359
268
Timely-response ratehigher is better
98%
92%
91%
Consumer-dispute ratelower is better
30%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Law Office of Michael J. Scott, PC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Law Office of Michael J. Scott, PC vs. 9 similar-volume peers, by response speed and dispute rate Law Office of Michael J. Scott, PCEdFinancial ServicesMonarch Recovery Holdings, Inc.CarMax, Inc.OPORTUN FINANCIAL CORPORATIONThaxton Investment CorporationCOMMUNITY CHOICE FINANCIAL, INC.RS Clark and Associates, Inc.American Credit Acceptance, LLCAssociated Credit Services, Inc.
Source: CFPB Consumer Complaint Database

Law Office of Michael J. Scott, PC's complaint volume in context

Law Office of Michael J. Scott, PC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

556 Top 5% higher than 95% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Law Office of Michael J. Scott, PC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2023-09 2025-11

Issue Detail Breakdown

Issue Complaints
Took or threatened to take negative or legal action
174
Attempts to collect debt not owed
151
False statements or representation
78
Written notification about debt
72
Communication tactics
31
Taking/threatening an illegal action
14
Cont'd attempts collect debt not owed
11
Threatened to contact someone or share information improperly
10
Electronic communications
7
Improper contact or sharing of info
5

Where do complaints against Law Office of Michael J. Scott, PC come from?

Law Office of Michael J. Scott, PC's own per-state count, not a national baseline.

Top states by complaints against Law Office of Michael J. Scott, PC

Across 15 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Law Office of Michael J. Scott, PC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 556.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.46743295019157%.

4 peers

Know your rights before responding to Law Office of Michael J. Scott, PC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.