Michael J. Adams, P.C. is a San Antonio, Texas debt collection law firm. It files collection suits for creditors and enforces judgments, sometimes with Michael Adams serving as a court-appointed receiver.
- Type
- Collection law firm
- Also known as
- Michael J Adams PC
- Headquarters
- San Antonio, TX
- Collects
- consumer and business judgments, past-due business accounts
- Phone numbers it lists
- (877) 223-5462, (800) 513-3588
- Website
- mjapclaw.com
59 debt collection complaints were sent to the Consumer Financial Protection Bureau about Michael J Adams PC 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 Michael J. Adams, P.C.?
Michael J. Adams, P.C. calls itself "a San Antonio debt collection law firm dedicated to protecting creditors' rights." Its principal is attorney Michael J. Adams. The website says the firm provides collection services to clients across Texas, Oklahoma and Georgia, pursues lawsuits to recover accounts, and enforces "business and personal judgments, including out-of-state claims."
The firm's office is at 3201 Cherry Ridge Drive, Suite B211, San Antonio, Texas 78230. The site notes that this office does not receive mail, and it gives 10004 Wurzbach Road #292, San Antonio, TX 78230 as the mailing address. The main number is (877) 223-5462. A separate line, (800) 513-3588, is for cases in which Michael Adams has been appointed receiver. The site states that its communications are an attempt to collect a debt by a debt collector.
Why Michael J. Adams, P.C. May Be Contacting You
People usually hear from this firm at one of three points:
- Before or at the start of a lawsuit. A demand letter or a petition filed for a creditor.
- After a judgment. Collection on a judgment the creditor already won, including judgments from other states brought to Texas.
- In a receivership. A Texas court can appoint a receiver to take over a judgment debtor's non-exempt property (Tex. Civ. Prac. & Rem. Code § 31.002). If you're told Michael Adams is the receiver in your case, get a copy of the court's order to see exactly what it covers.
Our guide to being sued by Michael J. Adams, P.C. in Texas walks through each situation in detail.
How to Check a Debt Michael J. Adams, P.C. Says You Owe
Which documents to ask for depends on whether there's already a judgment.
- No lawsuit yet: Use the validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Dispute in writing within the validation period and ask for the original agreement, the last statement and proof of who owns the account.
- Lawsuit filed: Look up the case with the court clerk, note the plaintiff and the answer deadline, and file an answer on time. In justice court you have 14 days after service; in county or district court the answer is due by 10 a.m. on the Monday after 20 days. See whether calling the collector stops the deadline.
- Judgment entered: Get the judgment, the post-judgment interest rate and a payoff statement in writing. Compare them with any payments you've made.
- Old debts: In Texas, a suit on most debts must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debts (Tex. Fin. Code § 392.307). Oklahoma and Georgia have their own rules.
What Michael J. Adams, P.C. Can and Can't Do
A lawyer who regularly collects consumer debts is a "debt collector" under the FDCPA, including when filing suit (Heintz v. Jenkins, 514 U.S. 291 (1995)). For this firm, that means:
- It must file consumer collection suits in the county where you live or where you signed the contract (15 U.S.C. § 1692i).
- It may not threaten to take property it can't legally take. Texas protects a homestead and listed personal property from most creditors (Tex. Prop. Code ch. 42), and Texas doesn't allow wage garnishment for ordinary consumer debts.
- It may not add fees or interest that the contract, the judgment or the law doesn't allow (15 U.S.C. § 1692f(1)).
- It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
We did not find a CFPB enforcement action against Michael J. Adams, P.C. Texas Debt Law is not affiliated with the firm. See our FDCPA attorneys page if you think a collector broke the rules.
Being sued by Michael J. Adams, P.C.? Read our full lawsuit guide →
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 Michael J. Adams, P.C. 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
- Michael J. Adams, P.C.: home page
- Michael J. Adams, P.C.: About us
- CFPB enforcement actions list (checked all pages)
- CFPB Consumer Complaint Database: Michael J Adams PC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Michael J. Adams, P.C. has violated any law. Company details change; tell us if something here is out of date.