What is the most common complaint against Ratchford Law Group, P.C.?

The most common issue consumers report about Ratchford Law Group, P.C. is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 55 complaints filed with the CFPB.

Are complaints against Ratchford Law Group, P.C. increasing or decreasing?

Complaints against Ratchford Law Group, P.C. are rising. The company received 21 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Ratchford Law Group, P.C.'s reputation grade?

Ratchford Law Group, P.C. has a reputation grade of F (score: 46.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Ratchford Law Group, P.C. respond to consumer complaints?

Ratchford Law Group, P.C. has a 82% timely response rate to CFPB complaints.

In how many states does Ratchford Law Group, P.C. operate?

Ratchford Law Group, P.C. has received CFPB complaints from consumers in 8 states, with the most complaints from Pennsylvania (30 complaints).

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

Ratchford Law Group, P.C. - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

18
False statements or representation

13
Written notification about debt

10
Took or threatened to take negative or legal action

10
Threatened to contact someone or share information improperly

2
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record ratchford-law-group-pc Ratchford Law Group, P.C.

Grade F · 55 CFPB filings · 82% timely · lead issue: Attempts to collect debt not owed · vol #1136 · compose #4436

VOL 55
GRADE F
12MO 21
STATES 8
TIMELY 82%
ISSUE Attempts to collect debt n…
RANK #1,136
COMPOSE #4,436

Volume peers

Nearest volume peer: Accounts Management, Inc (55 complaints)

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

Ratchford Law Group, P.C.'s 55 CFPB complaints sit next to Accounts Management, 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

54.5% of Ratchford Law Group, P.C.'s CFPB filings land in Pennsylvania

High volume does not equal a clean composite: Ratchford Law Group, P.C. is volume #1,136 but composite #4,436, while Pennsylvania dominates the geography. Corpus placement method.

Dominant state: Pennsylvania 54.5%; 30 of 55 filings · 8 states touched
Seasonal peak: 2014-08 9.5%; 8–15% band · 2 filings
Divergent corpus ranks: #1,136 volume; #4,436 composite; Cleanest-composite ladder is 3,300 places worse than volume

How does Ratchford Law Group, P.C. compare to its peers?

How does Ratchford Law Group, P.C. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Ratchford Law Group, P… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

82%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-08 2025-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	18
False statements or representation	13
Written notification about debt	10
Took or threatened to take negative or legal action	10
Threatened to contact someone or share information improperly	2
Communication tactics	1
Electronic communications	1

Where do complaints against Ratchford Law Group, P.C. come from?

Ratchford Law Group, P.C.'s own per-state count, not a national baseline.

Pennsylvania

30
Massachusetts

10
Connecticut

5
Rhode Island

4
District of Columbia

2
New Hampshire

2
New Jersey

1
New York

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Ratchford Law Group, P.C.: 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: 55.

4 peers

Know your rights before responding to Ratchford Law Group, P.C.: 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.