Scott & Associates, P.C.: Who They Are and Your Rights

Type

Collection law firm

Also known as

Law Office of Michael J. Scott, PC; Michael J. Scott, PC; Scott & Associates

Headquarters

Plano, TX

Collects

credit card accounts, bank and financial institution loans

Phone numbers it lists

(866) 298-3155

Website

spalaw.com/en

359 debt collection complaints were sent to the Consumer Financial Protection Bureau about Law Office of Michael J. Scott, 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 Scott & Associates, P.C.?

Scott & Associates, P.C. describes itself on its website as a multi-state legal recoveries law firm that serves national, state and local financial institutions. Its BBB business profile lists attorney Michael J. Scott as president, a business start date of May 2000 and an office at 2740 Dallas Parkway in Plano, Texas, and the firm's own site lists mailing addresses at P.O. Box 115220 and P.O. Box 113297, Carrollton, TX 75011. A legal directory also lists a firm called Michael J. Scott, PC in Carrollton. The CFPB's complaint database uses the name "Law Office of Michael J. Scott, PC," which we understand to refer to this firm; check the attorney's name and State Bar number on any letter or petition you receive to confirm.

The firm's website lists a California debt collection license (No. 12242-99), New York City collection agency licenses and several NMLS IDs, and states that it is a debt collector attempting to collect a debt. It notes that Spanish is spoken.

Why Scott & Associates May Be Contacting You

Scott & Associates says it works for financial institutions. A demand letter from the firm usually concerns a credit card or loan that went unpaid. Because it is a law firm, the next step after letters can be a lawsuit, and in Texas many of these are filed as debt claim cases in justice court.

If you have been sued, the plaintiff named at the top of the petition is the creditor; Scott & Associates is its lawyer. Our guide to being sued by Scott & Associates in Texas explains the answer deadline and the defense process. The firm's consumer number is (866) 298-3155.

How to Check a Debt Scott & Associates Says You Owe

When a law firm collects a card or loan account, the questions are who the client is, and whether that client can document the debt.

• Read the validation notice. Even a law firm must send one, naming the creditor, itemizing the balance and giving your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing before that date. The firm must stop collecting until it mails verification. Ask for the card agreement or loan contract, the charge-off statement and, if the client is not the original bank, the documents showing the account was transferred.
• Identify the current owner. If the client is a debt buyer, ask for the name of the original creditor and the date of sale.
• Compare with your statements. Interest and fees after charge-off should be explained and must be allowed by the agreement.
• Check the limitations period. Texas generally allows four years to sue on a credit card or loan debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states use different periods.

What Scott & Associates Can and Can't Do

Lawyers who regularly collect consumer debts, including through litigation, are "debt collectors" under the FDCPA (Heintz v. Jenkins, 514 U.S. 291 (1995)). That means:

• A letter on law-firm letterhead may not suggest that an attorney has reviewed your account or that suit has been approved unless that is true.
• Once you have a lawyer and the firm knows it, it must deal with your lawyer instead of contacting you directly (15 U.S.C. § 1692c(a)(2)).
• It may not file or threaten suit on a time-barred debt (12 C.F.R. § 1006.26(b)), and it must file suit in the judicial district where you signed the contract or where you live (15 U.S.C. § 1692i).
• A judgment on a credit card or loan cannot be enforced by garnishing your wages in Texas; see can a creditor garnish wages in Texas?

We did not find an enforcement action against the firm in the CFPB's enforcement actions list, the FTC's case database, the Connecticut Department of Banking's 2016–2026 consumer credit orders, California DFPI enforcement records or the New York DFS enforcement actions list, which we checked in November 2026. If you believe Scott & Associates violated the FDCPA, see our Texas FDCPA attorneys page.

Being sued by Scott & Associates, 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 Scott & Associates, 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

• Scott & Associates, P.C.: home page
• BBB business profile: Scott & Associates, P.C. (address, start date and principals)
• FindLaw directory: Michael J. Scott, PC (Carrollton, TX)
• CFPB Consumer Complaint Database: Law Office of Michael J. Scott, PC, debt collection

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