What is the most common complaint against SM Law, PC?

The most common issue consumers report about SM Law, PC is "Attempts to collect debt not owed", specifically "Debt was already discharged in bankruptcy and is no longer owed". This is based on 2 complaints filed with the CFPB.

Are complaints against SM Law, PC increasing or decreasing?

Complaints against SM Law, PC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is SM Law, PC's reputation grade?

SM Law, PC has a reputation grade of A (score: 74.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does SM Law, PC respond to consumer complaints?

SM Law, PC has a 100% timely response rate to CFPB complaints.

In how many states does SM Law, PC operate?

SM Law, PC has received CFPB complaints from consumers in 2 states, with the most complaints from Colorado (1 complaints).

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

SM Law, PC - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade A.

Compiled by PlainCollector

Attempts to collect debt not owed

1
Took or threatened to take negative or legal action

1

Data updated September 2026

CFPB complaint disposition

CCDB record sm-law-pc SM Law, PC

Grade A · 2 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #4331 · compose #1000

VOL 2
GRADE A
12MO 0
STATES 2
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #4,331
COMPOSE #1,000

Volume peers

Nearest volume peer: 1 Auto Finance, Inc. (2 complaints)

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

SM Law, PC's 2 CFPB complaints sit next to 1 Auto Finance, 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

50.0% of SM Law, PC's CFPB filings land in Colorado

High volume does not equal a clean composite: SM Law, PC is volume #4,331 but composite #1,000, while Colorado dominates the geography. Corpus placement method.

Dominant state: Colorado 50.0%; 1 of 2 filings · 2 states touched
Spike month: 2017-11 16.7%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #4,331 volume; #1,000 composite; Cleanest-composite ladder is 3,331 places better than volume

How does SM Law, PC compare to its peers?

How does SM Law, 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

SM Law, PC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-11 2023-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	1
Took or threatened to take negative or legal action	1

Where do complaints against SM Law, PC come from?

SM Law, PC's own per-state count, not a national baseline.

Colorado

1
Michigan

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for SM Law, 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: 2.

4 peers

Know your rights before responding to SM Law, 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.