Quick Answer: Scott & Associates, P.C. is a debt collection law firm based in Carrollton, Texas, with offices in over 10 states. Founded in 2000, they are a creditor’s rights law firm that files lawsuits against consumers to collect debts. Their phone number is (866) 298-3155. The BBB has received 26+ complaints in three years, and they have been involved in 60+ federal cases. If Scott & Associates is contacting you, they may be preparing to sue — take it seriously and respond promptly.
If Scott & Associates is in your call log or mailbox: A call from a debt collection law firm is a business communication, not a crisis. But unlike most debt collectors, Scott & Associates is a law firm that actively files lawsuits against consumers. You have specific federal rights under the FDCPA. This page gives you the information to respond from a position of knowledge, not panic.
| Company Detail | Information |
|---|---|
| Company Name | Scott & Associates, P.C. |
| Type | Creditor’s rights law firm / debt collection attorney |
| Headquartered | Carrollton, Texas (1120 Metrocrest Dr, Ste 100) |
| Additional Offices | Charleston, SC; Virginia Beach, VA; Montgomery, AL; Rochester, NY; Crofton, MD; Washington, DC; Gallatin, TN; Mechanicsburg, PA; South Pasadena, CA |
| Founded | 2000 |
| Primary Creditors | Credit card companies, banks, financial institutions, healthcare providers |
| Primary Phone | (866) 298-3155 |
| BBB Rating | BBB listed; 26+ complaints in 3 years |
| Federal Court Cases | 60+ federal cases; N.D. Texas ruling on FDCPA violations for ignoring cease-and-desist letters |
| Governed By | Fair Debt Collection Practices Act (FDCPA) |
Scott & Associates is not a typical debt collector — they’re a law firm that files lawsuits to collect debts, operating from offices in over 10 states.
Founded in 2000, Scott & Associates, P.C. is a creditor’s rights law firm that actively litigates against consumers. Their business model involves filing lawsuits to collect debts on behalf of credit card companies, banks, and other financial institutions. With 60+ federal cases and offices across the country, they represent a more aggressive form of debt collection. A federal court in Texas specifically found FDCPA violations when Scott & Associates continued contacting consumers after receiving cease-and-desist letters and notices of attorney representation.
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Who Is Scott & Associates?
Scott & Associates, P.C. is a creditor’s rights law firm headquartered in Carrollton, Texas. Founded in 2000, they operate from offices in over 10 states. Unlike most debt collectors who only call and send letters, Scott & Associates files lawsuits against consumers in court to collect unpaid debts. They represent creditors including credit card companies, banks, financial institutions, and healthcare providers. As a law firm engaged in debt collection, they are still subject to the FDCPA.
Scott & Associates Phone Numbers
| Phone Number | Reported Use | Consumer Reports |
|---|---|---|
| (866) 298-3155 | Main office line | Source: BBB profile |
Why Is Scott & Associates Contacting You?
- A creditor is preparing to sue you — Scott & Associates files lawsuits to collect debts. If they’re contacting you, the creditor may be moving toward litigation.
- You’ve been served with a lawsuit — if you received court papers from Scott & Associates, you must respond within the deadline stated (typically 20-30 days depending on your state). Ignoring a lawsuit results in a default judgment against you.
- A credit card or bank debt — Scott & Associates primarily represents credit card companies and financial institutions collecting unpaid balances.
- A debt you don’t recognize — ask for the original creditor’s name and account number. Even as a law firm, they must provide debt validation under the FDCPA.
A call from a debt collection law firm is not proof you owe anything. But it may mean the creditor is willing to litigate. Respond promptly.
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What Consumer Complaints Reveal About Scott & Associates
The BBB has received 26+ complaints about Scott & Associates in three years. The most common issues:
Search Scott & Associates complaints in the CFPB database →
Scott & Associates in Federal Court
Scott & Associates has been involved in 60+ federal cases related to their debt collection practices.
N.D. Texas, Dallas Division (2011): A federal judge issued a ruling finding that Scott & Associates violated the FDCPA when it continued contacting consumers after receiving cease-and-desist letters and notices of attorney representation. Multiple plaintiffs had sent S&A written cease-and-desist letters, and in each case, S&A continued debt collection communications in violation of federal law.
What this means for you: Scott & Associates is a law firm that can and does sue consumers. But they are still bound by the FDCPA. A federal court specifically found they violated the law by ignoring cease-and-desist letters. If you send one, document it thoroughly — it could become evidence in an FDCPA claim.
What To Do If Scott & Associates Is Contacting You
- If you’ve been served with a lawsuit, respond before the deadline. Ignoring a lawsuit from Scott & Associates will result in a default judgment. Consider consulting with a consumer attorney or using a service like SoloSuit to file an Answer.
- Request debt validation in writing within 30 days. Even as a law firm, Scott & Associates must validate the debt under the FDCPA.
- Check your state’s statute of limitations. If the debt is too old, Scott & Associates cannot legally win a lawsuit. Check your state here.
- Send a cease-and-desist by certified mail to Scott & Associates, P.C., 1120 Metrocrest Dr, Ste 100, Carrollton, TX 75006. Keep the certified mail receipt — a federal court found they violated the FDCPA by ignoring these.
- Document everything. If they violate the FDCPA, each violation can be worth up to $1,000 plus attorney fees in federal court.
For the complete guide: Your Rights When a Debt Collector Calls.
Key Takeaways
- Scott & Associates is a debt collection law firm, not a typical collector — they file lawsuits
- Based in Carrollton, TX with offices in 10+ states; founded 2000
- Phone: (866) 298-3155
- 26+ BBB complaints; 60+ federal cases
- Federal court found FDCPA violations for ignoring cease-and-desist letters
- If served with a lawsuit, you MUST respond before the deadline
- Check your state’s statute of limitations before engaging
Free Tool — Debt Validation Letter Generator: Being contacted by a debt collector? The free Debt Validation Letter Generator creates a personalized FDCPA validation letter in seconds — forcing the collector to prove the debt is real before they can continue. Generate My Letter →
Frequently Asked Questions About Scott & Associates
Free Tool — Statute of Limitations Checker: Dealing with old debt? The free Statute of Limitations Checker tells you if the collection clock has expired in your state — including the zombie debt and clock-restarting traps collectors use. Check My Status →
Who is Scott & Associates?
Scott & Associates, P.C. is a creditor’s rights law firm headquartered in Carrollton, Texas, with offices in over 10 states. Founded in 2000, they file lawsuits against consumers to collect debts on behalf of credit card companies, banks, and financial institutions.
Is Scott & Associates a scam?
Scott & Associates is a legitimate law firm, not a scam. They actively file lawsuits to collect debts. If you receive court papers from them, take it seriously and respond before the deadline.
Can Scott & Associates sue me?
Yes. Unlike most debt collectors, Scott & Associates is a law firm that regularly files lawsuits against consumers. However, they can only sue if the debt is within your state’s statute of limitations. Check yours before responding.
How do I stop Scott & Associates from calling?
Send a written cease-and-desist letter by certified mail to Scott & Associates, P.C., 1120 Metrocrest Dr, Ste 100, Carrollton, TX 75006. Note: a cease letter stops calls but does not prevent a lawsuit. A federal court found Scott & Associates violated the FDCPA by ignoring cease letters, so document yours carefully.
Should I pay Scott & Associates?
Do not pay anything without first verifying the debt in writing and checking your state’s statute of limitations. If they’ve sued you, consult with a consumer attorney. If the debt is valid and you want to settle, get the agreement in writing before sending any payment.
Know Your Rights: If a debt collector is contacting you, you have legal protections. See the complete list of FDCPA violations collectors commit most often. Use the free Debt Validation Letter Generator to demand proof of the debt, or check this collector’s complaint history with the Scam-O-Meter.
Dealing With Debt? Before you pay a collector, understand all your debt relief options — including ones the collector won’t tell you about. If the debt feels unmanageable, take the 2-minute bankruptcy quiz to see if the math favors a fresh start. Federal Reserve research shows filers recover faster than those who don’t file.
