What is the most common complaint against Michael & Associates, PC?

The most common issue consumers report about Michael & Associates, PC is "Took or threatened to take negative or legal action", specifically "Debt was result of identity theft". This is based on 28 complaints filed with the CFPB.

Are complaints against Michael & Associates, PC increasing or decreasing?

Complaints against Michael & Associates, PC are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is Michael & Associates, PC's reputation grade?

Michael & Associates, PC has a reputation grade of B (score: 63.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Michael & Associates, PC respond to consumer complaints?

Michael & Associates, PC has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.

In how many states does Michael & Associates, PC operate?

Michael & Associates, PC has received CFPB complaints from consumers in 2 states, with the most complaints from California (24 complaints).

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

Michael & Associates, PC - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade B.

Compiled by PlainCollector

Took or threatened to take negative or legal action

9
Attempts to collect debt not owed

6
False statements or representation

4
Cont'd attempts collect debt not owed

2
Threatened to contact someone or share information improperly

2
Taking/threatening an illegal action

2

Data updated September 2026

CFPB complaint disposition

CCDB record michael-associates-pc Michael & Associates, PC

Grade B · 28 CFPB filings · 96% timely · lead issue: Took or threatened to take negative or legal action · vol #1598 · compose #1986

VOL 28
GRADE B
12MO 1
STATES 2
TIMELY 96%
DISPUTE 14%
ISSUE Took or threatened to take…
RANK #1,598
COMPOSE #1,986

Volume peers

Nearest volume peer: Access Capital Services, Inc. (28 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Michael & Associates, PC's 28 CFPB complaints sit next to Access Capital Services, Inc. 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 →

State-heavy filing map

85.7% of Michael & Associates, PC's CFPB filings land in California

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

Dominant state: California 85.7%; 24 of 28 filings · 2 states touched
Seasonal peak: 2025-11 10.5%; 8–15% band · 9 filings
Corpus ranks: #1,598 volume; #1,986 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Michael & Associates, PC compare to its peers?

How does Michael & Associates, 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

Michael & Associates, … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

96%

100%

91%

Consumer-dispute ratelower is better

14%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	9
Attempts to collect debt not owed	6
False statements or representation	4
Cont'd attempts collect debt not owed	2
Threatened to contact someone or share information improperly	2
Taking/threatening an illegal action	2
Written notification about debt	1
Communication tactics	1
Disclosure verification of debt	1

Where do complaints against Michael & Associates, PC come from?

Michael & Associates, PC's own per-state count, not a national baseline.

California

24
Nevada

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Michael & Associates, 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: 28.

4 peers

Know your rights before responding to Michael & Associates, 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.