Debt collection
Ratchford Law Group, P.C debt collection complaints
Consumers have filed 61 complaints about Ratchford Law Group, P.C's debt collection, 21 in the last 12 months (-19%). Ratchford Law Group, P.C answered 85.7% on time and closed 0% with relief. See the whole Ratchford Law Group, P.C record.
Ratchford Law Group, P.C against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Ratchford Law Group, P.C | 21 | 85.7% | 0% |
Latest Ratchford Law Group, P.C debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| 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 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 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 |
| May 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 13, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Apr 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 3, 2026 | Debt collection | Threatened to contact someone or share information improperlyContacted you after you asked them to stop | Explained |
| Mar 3, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Feb 20, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 16, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 24, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Dec 31, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Dec 14, 2025 | Debt collection | False statements or representationTold you not to respond to a lawsuit they filed against you | Explained |
| Nov 5, 2025 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Aug 19, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Aug 15, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 8, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 7, 2025 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Aug 5, 2025 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Jul 4, 2025 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Jun 15, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 15, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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