If Scott & Associates, P.C. or Michael J. Scott, P.C. is showing up on your credit report, it likely means you have an unpaid debt that has been turned over to collections. Here’s how that impacts your credit—and how to work toward getting it removed.
Who Is Scott & Associates, P.C.?
Scott & Associates, also known as Michael J. Scott, P.C., is a debt collection law firm based in Carrollton, Texas. They help creditors recover unpaid debts, often through collection efforts or legal action.
If your account has been sent to Scott & Associates, their name may appear on your credit report as a collection account, which can lower your credit score.
Who Does Scott & Associates Collect For?
Scott & Associates represents banks and other creditors, primarily focusing on:
- National banks
- Financial institutions handling consumer debts
If you’ve fallen behind on payments, Scott & Associates may be working to collect the balance.
Is Scott & Associates a Scam?
Scott & Associates, P.C. is a legitimate debt collection law firm. They are authorized to collect debts for their clients. That said, always verify the details before making payments, as incorrect or outdated information can appear on your credit report.
How to Remove Scott & Associates From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but you have options to address them:
- Dispute inaccurate information: If the account is incorrect or doesn’t belong to you, dispute it with the credit bureaus.
- Request debt validation: You can ask Scott & Associates to prove the debt is yours and confirm the amount.
- Negotiate a pay-for-delete: Some collection agencies and law firms may agree to remove the account if you settle the debt. Always get written confirmation.
- Work with a credit repair company: Credit experts can help challenge negative items and review your credit report for errors.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Scott & Associates?
Before contacting them, confirm the debt is valid and within the statute of limitations. Making payments on old debts can sometimes restart the reporting period, which may further affect your credit.
Many people choose to work with credit repair professionals to avoid mistakes when dealing with collection law firms.
Can Scott & Associates Sue or Garnish Wages?
As a law firm, Scott & Associates has the authority to sue for unpaid debts. If they take legal action and win a court judgment, they may be allowed to garnish wages or levy bank accounts, depending on your state’s laws.
That said, lawsuits are typically a last resort. Most firms prefer to resolve debts through payment plans or settlements before pursuing legal action.
Scott & Associates Contact Information
Address:
Scott & Associates, P.C.
1120 Metrocrest Drive
Carrollton, TX 75006
Mailing Address:
P.O. Box 113297
Carrollton, TX 75011
Phone: (866) 298-3155
Complaints About Scott & Associates
Many debt collection agencies and law firms have complaints filed with the Consumer Financial Protection Bureau and Better Business Bureau. Common complaints include:
- Incorrect information on credit reports
- Harassment or repeated phone calls
- Failure to validate debts
If your rights are being violated, you can submit a complaint to the CFPB or the BBB.
Know Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you when dealing with debt collectors:
- They cannot report false or incomplete information.
- You can request debt validation within 30 days of first contact.
- They cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten arrest for unpaid debts.
Get Help With Scott & Associates Collections
Dealing with collection accounts can feel overwhelming, but you don’t have to handle it alone. Credit Saint has over 15 years of experience helping people dispute inaccurate credit report entries. They even offer a 90-day money-back guarantee for added peace of mind.
Visit their website or call (855) 281-1510 to learn more about how they can assist with your credit challenges.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
