Ever try to track down the history of a debt collection firm and find yourself staring at a legal maze? It happens. If you’ve spent any time looking into the world of high-volume asset recovery, the name p scott lowery attorney is going to pop up eventually. He’s a guy who has worn a dozen different hats—from a solo practitioner in a small office to the head of massive financial entities.
Honestly, the story isn't just about one guy. It’s about how debt collection actually works behind the scenes.
Philip Scott Lowery—most people just call him Scott—didn't just wake up one day and decide to run a legal empire. He’s a University of Denver alum through and through, grabbing his business degree from the Daniels College of Business before diving into the Sturm College of Law. You’ve probably seen the name "Scott Lowery Law Office, P.C." on a piece of mail or a court docket. That firm was his flagship for nearly two decades, operating primarily out of Colorado and Oklahoma.
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The Empire of Asset Recovery
The guy was busy. Really busy. Between 2000 and 2017, his law office was a staple in the collection world. But that was only one side of the coin. While the law firm handled the "legal" side of collections, Lowery was also deeply embedded in the corporate side.
He led SquareTwo Financial (formerly known as Collect America) for years. Think of it as a massive engine for debt buying. They’d purchase huge portfolios of charged-off debt—credit cards, medical bills, you name it—and then use a network of law firms to get that money back.
It was a machine.
Naturally, when you’re dealing with thousands of collection cases, things get messy. There’s no way around it. If you search for p scott lowery attorney, you’ll find a long list of lawsuits where consumers fought back. We're talking Fair Debt Collection Practices Act (FDCPA) claims and Fair Credit Reporting Act (FCRA) disputes.
One case that stands out is Nichols v. Scott Lowery Law Office, P.C. back in 2010. It wasn't about a debtor, though. It was an internal employment dispute where a former collector sued the firm. Then there was Bowling v. Scott Lowery Law Office, which dealt with "hard inquiries" on credit reports. People get really protective of those points on their credit score. As they should.
What’s He Doing Now?
Things shifted around 2017. He didn't just retire to a beach. He joined Rausch Sturm LLP as a Partner and Senior Attorney. If you haven't heard of Rausch Sturm, they are a heavyweight in the legal collection industry. He basically took all that knowledge from his own firm and SquareTwo and plugged it into a new powerhouse.
He also branched out. Weirdly enough, he founded BriteStreet Energy Group in 2012. Solar panels and LEDs. It’s a far cry from chasing down unpaid Visa bills, but it shows the guy’s a serial entrepreneur at heart.
Let’s Talk About the "Other" Lowery
Here is where people get confused. If you're googling "Lowery attorney," you might stumble upon a 1995 Colorado Supreme Court case involving a "Philip E. Lowery."
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Don't mix them up.
That was a high-profile disciplinary case involving sexual misconduct and professional ethics. While the names are incredibly similar, it’s a different person. Scott Lowery (Philip Scott Lowery) has a career mostly defined by the gritty, high-volume world of financial recovery and corporate leadership.
Why Does This Matter to You?
Most people searching for a specific attorney name like this are either looking for a job or—more likely—they just got a letter in the mail. If you're on the receiving end of a collection notice from a firm associated with him, you need to be smart.
Debt collectors count on people being scared. Don't be.
First, verify the debt. Always. The law says they have to prove you actually owe the money. Ask for the "validation notice." If they can’t produce the original contract or a clear chain of title showing they bought the debt, they might have a hard time winning in court.
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Second, check the statute of limitations. This is a big one. In many states, if a debt is more than three to six years old, they can’t legally sue you for it anymore. They might still try to collect, but their "legal teeth" are gone.
Actionable Steps if You're Dealing with a Collection Firm
- Keep every scrap of paper. If you get a letter from Rausch Sturm or any firm associated with Scott Lowery’s past ventures, save the envelope. The postmark matters.
- Don't admit to the debt over the phone. It sounds harsh, but anything you say can "restart" the clock on the statute of limitations in some jurisdictions.
- Use certified mail. If you’re disputing a debt, send it via USPS Certified Mail with a Return Receipt. It’s the only way to prove they got your letter.
- Check your credit report. If a law office pulls your credit without a "permissible purpose," they might be in violation of the FCRA. You can see these as "hard pulls" or "soft pulls" on sites like AnnualCreditReport.com.
The legal world is a revolving door of firms, partners, and corporate entities. Whether it’s Scott Lowery Law Office, SquareTwo, or Rausch Sturm, the rules for you stay the same. Know your rights, keep your records, and don't let the letterhead intimidate you.
The most important thing you can do right now is pull your own credit report and see exactly who is looking at your data. If you see a name you don't recognize, start the dispute process immediately. It's your history, after all.