GLA Collections on Your Credit Report? Fight Back and Win

Are you fed up with the calls or negative items reported on your credit by GLA Collections? If so, you’re not alone. According to Google, they have a 1.9/5 star rating with 181 reviews. Further, they are rated 1/5 stars by the Better Business Bureau. 

With that in mind, if you believe that GLA Collections has mistreated you or made credit reporting errors, we’re here to help you assert your rights. Further, if you believe you owe the debt but want help negotiating a fair settlement agreement, we can help with that as well. Contact us today for your free case review. 

Continue reading to learn everything you need to know about GLA Collections, including how to stop the calls and get them off your credit report as soon as possible.

Is GLA Collections Legit?

GLA Collections (GLA Collection Company, LLC) is a legitimate debt collection agency that's been in business since 1991. They are licensed and bonded to operate in many states and recover debt for a variety of industries, including healthcare, retail, and financial services.

However, like many other debt collectors, GLA Collections has received complaints about their practices. Some consumers allege that they were harassed or threatened by GLA Collections representatives or that the agency reported inaccurate information to credit bureaus. 

If you're dealing with GLA Collections and believe they have violated your rights, you can file a complaint with the Consumer Financial Protection Bureau or consult with an FCRA attorney.

How Can I Contact GLA Collections?

Suppose you get a call from GLA Collections about a past-due medical bill that you know you paid off years ago. In that case, it’s recommended that you check your credit file and call them directly. Their contact details are: 

• Phone Number: 1-502-267-7522
• Website: www.glacompany.com
• Payment Portal: www.GLA-Payments.com
• Mailing Address: 2630 Gleeson Ln, Louisville, KY 40299

If you don’t feel comfortable contacting GLA Collections yourself, we can take care of that for you. Contact us today to discuss your case with an FCRA attorney.

Who Does GLA Collections Recover Debt For?

GLA Collections works with a variety of clients across different industries. They may recover debt for healthcare providers, landlords, utility companies, credit card issuers, and more. They don’t make their list of clients public, so it can be challenging to know what alleged debt they’re calling about without checking your credit report and speaking with them directly.

Why is GLA Collections Calling Me? 

If you've recently received a call from GLA Collections, there are many reasons why they may be trying to reach you. It's important that before making any payments, you should ask for documentation proving that the debt is actually legitimate. Some of the reasons why they may be reaching:

• Unpaid medical bills

• Overdue utility bills

• Unpaid rent or lease payments

• Unpaid credit card debt

• Unpaid personal loan debt

Additionally, it’s possible that GLA Collections is calling you due to a credit reporting error or mistake. In that case, there are ways to have the debt removed within weeks and hold debt collectors accountable if they refuse to remove credit reporting errors. 

How Can I Stop The Calls? 

If you're getting calls from debt collectors such as GLA Collections, it's not an easy situation. However, there are steps you can take to stop the calls and protect your rights. Here are a few options:

• Send a cease and desist letter

Sending a written request to GLA Collections to stop all communication will legally obligate them unless they need to inform you about a lawsuit or that they're no longer pursuing the debt.

• Set up a payment plan

If you're able to pay off the debt, setting up a payment plan with GLA Collections can end their calling period. Just make sure that payments are regular and consistent.

• Speak with an attorney

An attorney who specializes in debt law can help ensure your rights are protected and collections companies swiftly remove credit reporting errors. 

Additionally, it’s essential to remember that you have rights under the Fair Debt Collection Practices Act (FDCPA). That means that debt collectors are legally mandated to follow specific rules when attempting to collect a debt (i.e., no debt harassment). 

If GLA Collections is violating those rules, you have the right to take legal action to stop the calls and protect yourself from further harassment.

When Will GLA Collections Be Removed From My Credit Report?

If you've paid off the debt or negotiated a debt settlement agreement with GLA Collections, it can take up to 30 days for them to report the change to the credit bureaus. Once the change is reported, it can take up to seven years for the negative item to be removed from your credit report.

If you've disputed the debt and the credit bureaus have found in your favor, GLA Collections must remove the negative item from your credit report. This can take up to 45 days from the date of the credit bureau's decision.

Does Everything That Goes To Collections Affect My Credit Score?

While it's true that having a debt go to collections can have a negative impact on your credit score, not all types of debt are reported to the credit bureaus. For example, some landlords and utility companies don't report unpaid debts to collections agencies.

However, most major lenders and credit card companies report missed payments and unpaid debts to collections agencies, which can significantly impact your credit score.

It's also worth noting that the impact of a collections account on your credit score can vary depending on the overall health of your credit report. For example, if you have a long history of on-time payments and a low credit utilization rate, a collections account may not have as much of an impact on your score as it would for someone with a shorter credit history and higher credit utilization.

If you're worried about the impact of a collections account on your credit score, the best thing you can do is to address the debt as soon as possible. Negotiating a payment plan or settlement with the collections agency may help minimize the impact on your credit score, and paying off the debt in full can help improve your score over time.

Contact Us Today For Your Free Case Review

Whether you believe that GLA Collections has treated you unfairly or you’re ready to pay off your debt but don’t know where to start, we can help. Our FCRA attorneys can dispute credit reporting errors, negotiate favorable debt settlement plans, and ensure your consumer rights are protected. Contact us today for your free initial consultation.