Scott & Associates

Is Scott & Associates hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Scott & Associates?

Scott & Associates, P.C., aka Michael J. Scott, P.C., is a debt collection agency and law firm located in Carrollton, Texas.

If you see Scott & Associates or Michael J. Scott, P.C. listed on your credit report, it typically means that a collections account has been registered under your name. This is often a result of an unpaid bill.

Who does Scott & Associates collect for?

Scott & Associates serves a broad array of clients but specializes in collecting debts on behalf of national banks and other creditors dealing with consumer debt.

Is Scott & Associates legit or a scam?

Scott & Associates, P.C. is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Scott & Associates from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Scott & Associates, P.C. Contact Information


Scott & Associates, PC
1120 Metrocrest Drive
Carrollton, TX 75006

Mailing address:

Scott & Associates, PC
P.O. Box 113297
Carrollton, TX 75011

Phone number: (866) 298-3155

Should I contact or pay Scott & Associates, P.C.?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with Scott & Associates, P.C. is to work with a credit repair professional. They help remove millions of negative items every year from companies like Scott & Associates, P.C. on behalf of their clients.

Will Scott & Associates, P.C. sue me or garnish my wages?

Scott & Associates, P.C. does have the capability to initiate legal action against debtors, which could include lawsuits. If a debtor is unable to repay their debt, and if attempts to work out a repayment plan have failed, suing could be a course of action the firm might take.

If they do choose to sue and the court rules in their favor, the court may issue a judgment allowing them to garnish your wages or levy your bank account, depending on the laws of your particular state.

However, lawsuits are often a last resort due to the time, effort, and cost involved. Most debt collectors prefer to work out a repayment plan with the debtor before considering such measures.

Scott & Associates, P.C. Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Scott & Associates, P.C.

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for Scott & Associates, PC to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Scott & Associates, P.C. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Scott & Associates, P.C. must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Scott & Associates, P.C. cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Scott & Associates From Your Credit Report Today!

Credit Saint can assist you in disputing Scott & Associates collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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