Debt collector · complaint record
Ratchford Law Group, P.C complaints
Filed under Ratchford Law Group, P.C.
Consumers have filed 72 complaints about Ratchford Law Group, P.C since 2022, 28 of them in the last 12 months (+4% on the year before). It answered 85.7% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Poor response record. How it works
- Complaints on record
- 72
- Last 12 months
- 28
- Answered on time
- 85.7%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #438 of 1,963
Since December 2022
+4% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 23, 2026
Most complained-about debt collectors
Ratchford Law Group, P.C complaints by month
The busiest month was March 2025 (9 complaints). Complaints in the last 12 months are about level, 0% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Ratchford Law Group, P.C answered last 12 months
- Closed with explanation28100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/4585.7% on time
- Relief for customers0/400% closed with relief
- Complaint trend10/15+4% vs last year
What Ratchford Law Group, P.C complaints are about
Top Ratchford Law Group, P.C problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 12
- Debt was result of identity theft 6
- Debt was already discharged in bankruptcy and is no longer owed 1
Where Ratchford Law Group, P.C complaints come from
Most complaints: Pennsylvania (35), Massachusetts (19), Connecticut (5), Rhode Island (5), District of Columbia (2).
Ratchford Law Group, P.C compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Eaton Group AttorneysDebt collection | 35 | 28 | D |
| 2 | Global Trust ManagementDebt collection | 56 | 28 | C |
| 3 | Hauge AssociatesDebt collection | 57 | 28 | C |
| 4 | Merchants' Credit GuideDebt collection | 96 | 28 | A |
| 5 | AMCOL SystemsDebt collection | 15 | 28 | F |
| 6 | Global Solution BizDebt collection | 15 | 28 | F |
| 7 | Independence Capital RecoveryDebt collection | 15 | 28 | F |
| 8 | Ratchford Law Group, P.CDebt collection | 10 | 28 | F |
Compare side by side: Ratchford Law Group, P.C vs Eaton Group Attorneys · Ratchford Law Group, P.C vs Global Trust Management · Ratchford Law Group, P.C vs Hauge Associates · Ratchford Law Group, P.C vs Merchants' Credit Guide
What people say about Ratchford Law Group, P.C
All experiencesNo experiences with Ratchford Law Group, P.C yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Ratchford Law Group, P.C complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 23, 2026 | Debt relief & credit repair | Problem with customer service | Explained |
| Oct 12, 2026 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Sep 28, 2026 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Sep 13, 2026 | Payday & personal loans | Struggling to pay your loan | Explained |
| Sep 13, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Sep 12, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 11, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jul 13, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Jun 17, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jun 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 28, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 21, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
Questions about Ratchford Law Group, P.C
How many complaints does Ratchford Law Group, P.C have?
Ratchford Law Group, P.C has 72 complaints on record since December 2022, including 28 in the last 12 months and 1 in the last 30 days. That makes it number 911 of every company by complaints this year.
Does Ratchford Law Group, P.C respond to complaints?
Yes. Ratchford Law Group, P.C answered 85.7% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 10/100 (grade F).
What do people complain about most with Ratchford Law Group, P.C?
The most common problems are attempts to collect debt not owed (19), false statements or representation (15), took or threatened to take negative or legal action (12).
Is Ratchford Law Group, P.C legit?
Ratchford Law Group, P.C is a real company with a public complaint record: consumers have complained about it 72 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Ratchford Law Group, P.C legit? for the signals, red flags and how to protect yourself.
Are complaints about Ratchford Law Group, P.C going up or down?
Roughly level. There were 28 complaints in the last 12 months against 27 in the 12 before (+4%). See every month.
How do I file a complaint against Ratchford Law Group, P.C?
Complain to Ratchford Law Group, P.C in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Ratchford Law Group, P.C complaints come from?
Most come from Pennsylvania (35), Massachusetts (19), Connecticut (5). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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