Ratchford Law Group, P.C. is a law firm in Moosic, Pennsylvania, with an office in Danvers, Massachusetts, whose primary business is debt collection. It collects consumer accounts such as credit cards, personal loans, auto loans and student loans, including through lawsuits.
- Type
- Collection law firm
- Also known as
- Ratchford Law Group, P.C.
- Headquarters
- Moosic, PA
- Collects
- credit card accounts, personal loans, auto loans, student loans, commercial accounts
- Phone numbers it lists
- (800) 503-1665
- Website
- ratchfordlawgroup.com
57 debt collection complaints were sent to the Consumer Financial Protection Bureau about Ratchford Law Group, P.C. 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 Ratchford Law Group?
Ratchford Law Group, P.C. states on its website that it "is a law firm whose primary business function is debt collection." Its main office is at 54 Glenmaura National Boulevard, Suite 104, Moosic, Pennsylvania 18507, near Scranton, and it has a second office at 89 Newbury Street, Suite 106, Danvers, Massachusetts 01923. Its phone is (800) 503-1665 and its email is [email protected]. The firm says its attorneys "have provided recovery management services since 2004" and that its footprint "spans multiple states in the Northeast." The site lists NMLS ID 2354684.
Why Ratchford Law Group May Be Contacting You
The firm's practice page says it handles "all types of consumer accounts, including credit card accounts, personal loans, automobile loans and student loans," and that its lawyers have handled thousands of consumer collection cases "from suit filing through trial." It also does commercial collections and works to enforce judgments, including by transferring them to other jurisdictions. Contact from the firm usually starts with a letter or call that it describes as a "pre-legal approach," which may be followed by a lawsuit if the account isn't resolved.
Ratchford offers an online payment site and a self-service portal, both linked from its home page, and a Spanish-language version of its site.
How to Check a Debt Ratchford Law Group Says You Owe
- Get the validation notice and note the dispute deadline. It must name the current creditor, itemize the balance and explain your rights (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing if the balance or the creditor is unfamiliar, and ask for the last statement, the charge-off date and, for a sold account, the bill of sale and account schedule.
- For a student loan, find out whether it is federal or private. Federal loans are handled under separate rules; see student loan collections.
- For an auto loan deficiency, ask for the repossession sale notice and how the sale price was applied.
- Check timing. Texas generally limits consumer-debt suits to four years (Tex. Civ. Prac. & Rem. Code § 16.004) and bars debt buyers from suing on time-barred consumer debt (Tex. Fin. Code § 392.307). Pennsylvania, Massachusetts and other states have their own periods.
What Ratchford Law Group Can and Can't Do
Lawyers who regularly collect consumer debts are "debt collectors" under the FDCPA, including when they litigate (Heintz v. Jenkins, 514 U.S. 291 (1995)). For Ratchford, that means:
- A pre-suit letter may not falsely imply that a lawyer has personally reviewed your file (15 U.S.C. § 1692e(3)).
- It must sue in your county or where you signed the contract (15 U.S.C. § 1692i).
- It may not threaten a lawsuit that isn't actually intended (15 U.S.C. § 1692e(5)).
- It must follow the Reg F call-frequency limit of seven calls in seven days per debt (12 C.F.R. § 1006.14(b)(2)).
We did not find a CFPB enforcement action against Ratchford Law Group. See collection law firms and the FDCPA.
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 Ratchford Law Group 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
- Ratchford Law Group: home page
- Ratchford Law Group: About us
- Ratchford Law Group: Services
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: Ratchford Law Group, P.C., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Ratchford Law Group has violated any law. Company details change; tell us if something here is out of date.