Michael J Adams PC
Last checked: July 16, 2026
This is a law firm, not a collection agency. A law practice that regularly collects debts is a debt collector under the federal FDCPA, and it can also file a lawsuit in its own name. That difference is why law firms are listed separately, on the collection law firms page, and never in the agency rankings.
of continuous verified Texas bond history on the Secretary of State register. Michael J Adams PC currently holds an active $10,000 surety bond.
Source: direct.sos.state.tx.us · Last checked: July 16, 2026
Verified facts about Michael J Adams PC
| Fact | Value | Source |
|---|---|---|
| Headquarters | San Antonio | Source: mjapclaw.com · Last checked: July 16, 2026 |
| Company type | Collection law firm | Source: mjapclaw.com · Last checked: July 16, 2026 |
| Website | mjapclaw.com | |
| Texas surety bond history | 16 years continuously bonded ActiveSoS File 20100024· filed January 21, 2010 | Register: direct.sos.state.tx.us · Last checked: July 16, 2026 |
| CFPB complaints on record | 62 | CFPB database: consumerfinance.gov · Last checked: July 16, 2026 |
Common questions about Michael J Adams PC
Is Michael J Adams PC a collection agency or a law firm?
Michael J Adams PC is a law firm that collects debts, not a collection agency. A law practice that regularly collects debts is a debt collector under the federal FDCPA (Heintz v. Jenkins, 1995), and it holds the same Texas surety bond the state requires of agencies, but unlike an agency it can also file a lawsuit in its own name. This site lists collection law firms separately from agencies for that reason.
Is Michael J Adams PC licensed to collect debt in Texas?
Yes. Michael J Adams PC has an active $10,000 surety bond on file with the Texas Secretary of State (SoS File 20100024), which is the legal requirement for third-party debt collectors under Texas Finance Code Chapter 392, last checked July 16, 2026.
Does Michael J Adams PC have complaints on record?
The public CFPB Consumer Complaint Database records 62 debt-collection complaints referencing Michael J Adams PC, as of July 16, 2026. This is the total on record and links to the live CFPB database; a complaint is a record, not a verdict, and larger agencies naturally accrue more.
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