Brock & Scott, PLLC: Who They Are and Your Rights

Type

Collection law firm

Also known as

Brock and Scott

Headquarters

Winston-Salem, NC

Collects

credit card accounts, auto loans, personal loans and lines of credit, student loans, home equity loans, mortgage deficiency balances, small business claims

Phone numbers it lists

(888) 461-7908

Website

brockandscott.com

94 debt collection complaints were sent to the Consumer Financial Protection Bureau about Brock & Scott, PLLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Brock & Scott?

Brock & Scott, PLLC is a law firm whose administrative office is at 1315 Westbrook Plaza Drive in Winston-Salem, North Carolina. Its website calls it a foreclosure and default services firm and says it has been in the field for more than 25 years. It lists 11 practice areas, among them real estate default (foreclosure), bankruptcy, auto bankruptcy and replevin, litigation, and a separate Creditors' Rights & Collections group.

The firm says it serves 22 states, including Texas, Georgia, Florida, North Carolina, Pennsylvania and Virginia. Its collections page says that division works in eleven of those states. The site states that the firm is a debt collector. Its collections group lists a toll-free number of (888) 461-7908 (TTY 711), with hours of 8:30 a.m. to 5:30 p.m. Eastern, Monday through Friday.

Why Brock & Scott May Be Contacting You

According to the firm, its collections clients include national banks, credit card companies, auto lenders, credit unions and retailers. The debts it lists include consumer and retail cards, auto loans, personal loans and lines, student loans, home equity loans, mortgage deficiency balances and small business claims. Its services include payment notices, collection lawsuits, post-judgment execution, settlement talks and skip tracing.

So a letter from Brock & Scott might be a pre-suit demand, a notice that a case has been filed, or a step to enforce a judgment. Because the firm also handles foreclosures, a homeowner may hear from a different part of the same firm about a mortgage. Read each letter for the client's name and whether a court case number is mentioned.

How to Check a Debt Brock & Scott Says You Owe

When a lender's lawyers are involved, timing matters as much as the numbers.

• Look for a court deadline first. If you were served with a petition, your answer deadline runs on its own clock. A dispute letter doesn't extend it. Our first steps if you're sued page explains what to do.
• Use the validation notice. The firm's first letter, or one sent within five days, must give the information required by 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34. Dispute in writing within the period it states and ask for the account records.
• For a deficiency balance, ask for the sale math. After a car repossession or foreclosure, ask how the sale price, fees and credits were applied. Our page on car deficiency suits covers this.
• Confirm the client. Ask whether the firm represents the original lender or a later owner of the account.
• Check the dates. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on consumer debts past that period (Tex. Fin. Code § 392.307). Other states use other periods.

What Brock & Scott Can and Can't Do

Lawyers who regularly collect consumer debts, including through lawsuits, are "debt collectors" under the FDCPA (Heintz v. Jenkins, 514 U.S. 291 (1995)). For Brock & Scott's collection work, that means:

• A consumer collection suit must be filed where you live or where you signed the contract (15 U.S.C. § 1692i).
• A letter may not suggest a lawyer reviewed your file if none meaningfully did (15 U.S.C. § 1692e(3)).
• It may not threaten action it doesn't intend to take or can't legally take (15 U.S.C. § 1692e(5)).
• It may not contact you directly once it knows you have a lawyer for the debt (15 U.S.C. § 1692c(a)(2)).
• In Texas, ordinary consumer debts can't lead to wage garnishment, and many kinds of property are exempt from judgment collection.

We did not find a CFPB enforcement action against Brock & Scott. Also see whether a collection law firm is a debt collector, or our FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Brock & Scott, PLLC or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Brock & Scott: home page
• Brock & Scott: Creditors' Rights & Collections
• CFPB enforcement actions (full list reviewed)
• CFPB Consumer Complaint Database: Brock & Scott, PLLC, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Brock & Scott, PLLC has violated any law. Company details change; tell us if something here is out of date.