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

CFPB complaint data Grade C 62 complaints

Michael J Adams PC - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade C.

Complaints by issue type

What consumers report about Michael J Adams PC

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

Data updated September 2026

CFPB complaint disposition

CCDB record michael-j-adams-pc Michael J Adams PC

Grade C · 62 CFPB filings · 85% timely · lead issue: Took or threatened to take negative or legal action

  • VOL 62
  • GRADE C
  • 12MO 19
  • STATES 5
  • TIMELY 85%
  • DISPUTE 0%
  • ISSUE Took or threatened to take…
  • RANK #1,068
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Action Revenue Recovery, LLC (62 complaints)

Action Revenue Recovery, LLCAction Revenue Recovery, LLC62Advanced Recovery Systems, Inc.Advanced Recovery Systems, I…62Collection Bureau IncorporatedCollection Bureau Incorporat…62Credit Clearing House of America, Inc.Credit Clearing House of Ame…62Michael J Adams PC (this)Michael J Adams PC (this)62
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Michael J Adams PC's 62 CFPB complaints sit next to Action Revenue Recovery, LLC 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 62 complaints break down

Every complaint issue type on record for Michael J Adams PC, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
60.0/100
Michael J Adams 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 D
62
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
85%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
0%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

91.9% of Michael J Adams 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 91.9%
57 of 62 filings · 5 states touched
Seasonal peak
2020-03 9.7%
8–15% band · 3 filings
Corpus ranks
#1,068 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Michael J Adams PC compare to its peers?

How does Michael J Adams 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 J Adams PC National average
Complaints (last 12 mo)lower is better
19
28
268
Timely-response ratehigher is better
85%
90%
91%
Consumer-dispute ratelower is better
0%
29%
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 Michael J Adams PC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 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 70%80%90%100%110% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Michael J Adams PC vs. 8 similar-volume peers, by response speed and dispute rate Michael J Adams PCLaw Offices of Timothy M. SullivanNational Credit Services, Inc.LD Holdings Group, LLCNational Medical Administrators, IncCredit Clearing House of America, Inc.COLLECTION BUREAU INCORPORATEDAdvanced Recovery Systems, Inc.Action Revenue Recovery, LLC
Source: CFPB Consumer Complaint Database

Michael J Adams PC's complaint volume in context

Michael J Adams 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)

62 Top 20% higher than 80% 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%). This entry sits in this band. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Michael J Adams 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)

Rising ↑
2018-11 2026-03

Issue Detail Breakdown

Issue Complaints
Took or threatened to take negative or legal action
25
Written notification about debt
16
Attempts to collect debt not owed
13
False statements or representation
5
Electronic communications
2
Communication tactics
1

Where do complaints against Michael J Adams PC come from?

Michael J Adams PC's own per-state count, not a national baseline.

Top states by complaints against Michael J Adams PC

Across 5 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 Michael J Adams 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: 62.

4 peers

Know your rights before responding to Michael J Adams 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.