About Our Lawfirm

Ratchford Law Group, P.C., headquartered in Scranton, Pennsylvania is the state's most progressive debt recovery and collection law firm. The law firm began with the purpose of assisting national debt buyers and collection agencies in recovering and managing their outstanding accounts receivable. The company rapidly expanded and now has relationships representing direct creditors.

Due to the stricter government regulations, our primary focus is to ensure compliance with CFPB regulations and assist our clients in the requirements in the areas of policies, procedures, security, privacy and other governmental requirements.

Through investments in technology, staff education, and highly selective recruiting, Ratchford Law Group, P.C., has been able to offer an improved level of services that our clients demand.

Ratchford Law Group, P.C., offers a full line of Collection Services with availability throughout Pennsylvania, Vermont, Massachusetts, Maine, and New Hampshire. As one of the most progressive collection law firms in the country, our Collection Service receives millions in bad debt placement monthly. Our solutions make us a One Stop Shop for creditors. From placement to settlements, our systems gives of reporting on all accounts in every legal stage. We protect the creditors during the process by ensuring FDCPA compliance. Verifying information in many databases to ensure cost effectiveness. We perform regular asset searches to assist in Post-Judgment collections.

Along with our technology systems, Ratchford Law Group, P.C., offers other on-line services like skiptracing, credit report access, scoring to determine collectibility, and effective calling campaign strategies.

With industry-specific strategies and services, Ratchford Law Group, P.C., provides results that improve the bottom line through accelerated cash flow, lower operating costs, reduced bad debt expense, and improved customer retention.

Our client-oriented receivables personnel and support staff have been carefully selected for collection experience, proper attitudes and values, and are thoroughly trained and supervised to ensure that they are constantly maintaining your good public image.

About Our Attorneys

Michael F. Ratchford, Esq.        Email: MRatchford@ratchfordlawgroup.com
Michael F. Ratchford, Esq. is the President and Managing Attorney of Ratchford Law Group, P.C.. Michael has managed the law firm since January 2007. Prior to joining the firm, Michael was a member of the litigation departments in several Philadelphia based law firms where he gained experience in commercial and insurance defense litigation. Mr. Ratchford obtained his BA from the University of Scranton and his JD from the Villanova University School of Law. Prior to attending law school Mr. Ratchford worked in a political consulting firm and served as the Deputy Press Secretary to United States Senator Barbara Mikulski (D-MD).

Erin M. Reczek, Esq.        Email: EReczek@ratchfordlawgroup.com
Erin M. Reczek, Esq. is a native New Englander who joined Ratchford Law Group, P.C., to manage the firm's burgeoning office in northern New England. Erin has years of experience handling high-volume collections litigation striking a successful balance between strict regulatory compliance and assertive advocacy. Erin began her career in the public sector, principally with the Massachusetts Department of Revenue. In 2008 she joined Zwicker & Associates, P.C., a national debt collection law firm, and eventually managed Zwicker's MA and NH branch office. Attorney Reczek obtained her B.A. from Assumption College and her J.D. from Seton Hall University School of Law. Erin is admitted to practice in the courts of Maine, Massachusetts, New Hampshire, Vermont, the U.S. District Court of Massachusetts and the U.S. District Court for New Hampshire.

Kate E. Conley, Esq.        Email: KConley@ratchfordlawgroup.com
Kate E. Conley, Esq. is a native of Maine who joined Ratchford Law Group, P.C., to manage the firm’s Maine office. Kate has over ten years experience handling collections litigation and creditors’ rights law. Kate received her B.A. from Connecticut College and her J.D. from The University of Texas School of Law. Prior to practicing law she worked as a litigation paralegal and case manager for a large law firm in New York City. After graduating from law school she returned to Maine and sat for the bar exam. The Maine Board of Bar Examiners awarded her the February 2005 Kenneth R. Clegg Award for Excellence, given to the person with the highest combined score on the Maine Bar Examination in his or her first attempt. After being admitted to practice she joined Susan J. Szwed, P.A., a Maine debt collection law firm. Kate is admitted to practice in the courts of Maine and New Hampshire, the U.S. District Court of Maine.

This is a communication from a debt collector in an attempt to collect a debt. Any information obtained will be used for that purpose. Read our Privacy Statement here.

Staff Overview A team dedicated to producing results.

Over forty people with many areas of expertise to maximize our performance.

Services Overview Legal Services from Start to Finish.

We utilize many resources to maximize your collection efforts.

Contact Us Contact us today!

We have several departments which can respond depending on your needs.

Address: 409 Lackawanna Ave, Suite 320, Scranton, PA 18503
Toll-free: 1-800-503-1665
Phone: 1-570-558-5510
FAX: 1-570-558-5511
E-mail: contact@ratchfordlawgroup.com