What is the most common complaint against The Law Firm of Ryan E. Calef and Associates, LLC?

The most common issue consumers report about The Law Firm of Ryan E. Calef and Associates, LLC is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 4 complaints filed with the CFPB.

Are complaints against The Law Firm of Ryan E. Calef and Associates, LLC increasing or decreasing?

Complaints against The Law Firm of Ryan E. Calef and Associates, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is The Law Firm of Ryan E. Calef and Associates, LLC's reputation grade?

The Law Firm of Ryan E. Calef and Associates, LLC has a reputation grade of B (score: 63.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does The Law Firm of Ryan E. Calef and Associates, LLC respond to consumer complaints?

The Law Firm of Ryan E. Calef and Associates, LLC has a 50% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does The Law Firm of Ryan E. Calef and Associates, LLC operate?

The Law Firm of Ryan E. Calef and Associates, LLC has received CFPB complaints from consumers in 4 states, with the most complaints from Illinois (1 complaints).

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

The Law Firm of Ryan E. Calef and Associates, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade B.

Compiled by PlainCollector

Cont'd attempts collect debt not owed

3
Taking/threatening an illegal action

1

Data updated September 2026

CFPB complaint disposition

CCDB record the-law-firm-of-ryan-e-calef-and-associates-llc The Law Firm of Ryan E. Calef and Associates, LLC

Grade B · 4 CFPB filings · 50% timely · lead issue: Cont'd attempts collect debt not owed · vol #3522 · compose #1944

VOL 4
GRADE B
12MO 0
STATES 4
TIMELY 50%
DISPUTE 0%
ISSUE Cont'd attempts collect de…
RANK #3,522
COMPOSE #1,944

Volume peers

Nearest volume peer: 90 Day Credit Experts (4 complaints)

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

The Law Firm of Ryan E. Calef and Associates, LLC's 4 CFPB complaints sit next to 90 Day Credit Experts 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 →

Filing geometry

Illinois is the plurality state for The Law Firm of Ryan E. Calef and Associates, LLC (25.0%)

Volume rank #3,522 and composite rank #1,944 diverge by 1,578 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Illinois 25.0%; Mid-band (15–30%) · 4 states with ≥1 filing
Seasonal peak: 2017-06 12.5%; 8–15% band · 1 filings
Divergent corpus ranks: #3,522 volume; #1,944 composite; Cleanest-composite ladder is 1,578 places better than volume

How does The Law Firm of Ryan E. Calef and Associates, LLC compare to its peers?

How does The Law Firm of Ryan E. Calef and Associates, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

The Law Firm of Ryan E… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

50%

25%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-06 2025-09

Issue Detail Breakdown

Issue	Complaints
Cont'd attempts collect debt not owed	3
Taking/threatening an illegal action	1

Where do complaints against The Law Firm of Ryan E. Calef and Associates, LLC come from?

The Law Firm of Ryan E. Calef and Associates, LLC's own per-state count, not a national baseline.

Illinois

1
Minnesota

1
New Jersey

1
North Carolina

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for The Law Firm of Ryan E. Calef and Associates, LLC: 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: 4.

4 peers

Know your rights before responding to The Law Firm of Ryan E. Calef and Associates, LLC: 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.