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 |
|---|---|---|---|
| May 15, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| May 13, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 3, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 31, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 22, 2025 | Debt collection | Threatened to contact someone or share information improperlyContacted your employer | Explained |
| Mar 17, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Mar 13, 2025 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Mar 11, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Mar 10, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 10, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 7, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 2, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 22, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 10, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 10, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 7, 2025 | Debt collection | Electronic communicationsUsed obscene, profane, or other abusive language | Explained |
| Dec 26, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 3, 2024 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Oct 30, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 19, 2024 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Jun 13, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 11, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 3, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 3, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 3, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Mar 3, 2024 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Nov 13, 2023 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 25, 2023 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 8, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Jul 13, 2023 | Debt collection | False statements or representationAttempted to collect wrong amount | 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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