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

Data updated July 2026

D

Grade D · 53.8/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Law Office of Michael J. Scott, PC ranks ahead of 22% of the 5,283 collectors PlainCollector grades - 78% keep a cleaner CFPB record, on 556 all-time complaints and a 98% timely-response rate.

22nd pct
reputation rank of 5,283 graded collectors
556
CFPB complaints, all-time
98%
answered inside the CFPB window
134
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Law Office of Michael J. Scott, PC?

Law Office of Michael J. Scott, PC has accumulated 556 total CFPB complaints across 15 states, with 134 filed in the most recent 12 months against 422 historical complaints before that window. The trailing-12-month volume represents 24.1% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Debt is not yours". The company posts a 98% timely-response rate against a 30% consumer-dispute-after-response rate.

Complaints have been recorded across 15 states, led by Texas with 313 and Virginia with 60. Normalized against the full CFPB collector database, the reputation score of 53.8/100 places Law Office of Michael J. Scott, PC in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

556

mid-volume (CCDB)

Last 12 months

134

24.1% of all-time complaints

Stable →

States active

15

regional footprint

Timely response rate

98%

excellent band

Consumer disputes

30%

high (vertical avg ~19%)

Reputation grade

D

53.8/100 composite

How does Law Office of Michael J. Scott, PC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

54 Bottom 22% higher than 22% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Law Office of Michael J. Scott, PC versus the debt-collection vertical average.

Timely response within SLA 98.5%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 30.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 26.8%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Law Office of Michael … 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.

Complaint Trend (24 months)

2023-09 2025-11

Issue Detail Breakdown

Issue Sub-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

What to do if Law Office of Michael J. Scott, PC contacts you

A grade of D signals how Law Office of Michael J. Scott, PC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Law Office of Michael J. Scott, PC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Law Office of Michael J. Scott, PC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Law Office of Michael J. Scott, PC? ▼

The most common issue consumers report about Law Office of Michael J. Scott, PC is "Took or threatened to take negative or legal action", specifically "Debt is not yours". This is based on 556 complaints filed with the CFPB.

Are complaints against Law Office of Michael J. Scott, PC increasing or decreasing? ▼

Complaints against Law Office of Michael J. Scott, PC have been stable. The company received 134 complaints in the last 12 months.

What is Law Office of Michael J. Scott, PC's reputation grade? ▼

Law Office of Michael J. Scott, PC has a reputation grade of D (score: 53.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Law Office of Michael J. Scott, PC respond to consumer complaints? ▼

Law Office of Michael J. Scott, PC has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 30% of cases.

In how many states does Law Office of Michael J. Scott, PC operate? ▼

Law Office of Michael J. Scott, PC has received CFPB complaints from consumers in 15 states, with the most complaints from Texas (313 complaints).

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

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.