Debt collection
Stephens and Michaels Associates debt collection complaints
Consumers have filed 77 complaints about Stephens and Michaels Associates's debt collection. See the whole Stephens and Michaels Associates record.
Stephens and Michaels Associates 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 | Stephens and Michaels Associates | 0 | - | - |
Latest Stephens and Michaels Associates debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 14, 2016 | Debt collection | Communication tacticsCalled outside of 8am-9pm | No timely reply |
| Sep 14, 2016 | Debt collection | Communication tacticsCalled outside of 8am-9pm | No timely reply |
| Aug 23, 2016 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | No timely reply |
| Aug 17, 2016 | Debt collection | Cont'd attempts collect debt not owedDebt was paid | No timely reply |
| Jul 5, 2016 | Debt collection | False statements or representationIndicated committed crime not paying | No timely reply |
| Jun 1, 2016 | Debt collection | Disclosure verification of debtNot given enough info to verify debt | Explained |
| May 26, 2016 | Debt collection | Cont'd attempts collect debt not owedDebt was paid | Explained |
| May 9, 2016 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
| Apr 15, 2016 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
| Apr 10, 2016 | Debt collection | Disclosure verification of debtNot given enough info to verify debt | Explained |
| Mar 17, 2016 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 16, 2016 | Debt collection | Improper contact or sharing of infoTalked to a third party about my debt | Explained |
| Feb 29, 2016 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
| Feb 29, 2016 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
| Feb 26, 2016 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
| Jan 21, 2016 | Debt collection | Taking/threatening an illegal actionThreatened arrest/jail if do not pay | Explained |
| Dec 7, 2015 | Debt collection | Communication tacticsCalled outside of 8am-9pm | Explained |
| Nov 6, 2015 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
| Oct 12, 2015 | Debt collection | Disclosure verification of debtRight to dispute notice not received | Explained |
| Jul 29, 2015 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jul 10, 2015 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jul 6, 2015 | Debt collection | Cont'd attempts collect debt not owedDebt was paid | Explained |
| Jul 2, 2015 | Debt collection | Disclosure verification of debtNot disclosed as an attempt to collect | Explained |
| Jun 24, 2015 | Debt collection | False statements or representationImpersonated an attorney or official | Explained |
| Jun 24, 2015 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jun 19, 2015 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jun 12, 2015 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
| May 18, 2015 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Apr 20, 2015 | Debt collection | Cont'd attempts collect debt not owedDebt was paid | Explained |
| Mar 7, 2015 | Debt collection | Disclosure verification of debtRight to dispute notice not received | 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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