General Service Bureau Inc or GSB is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
General Service Bureau or GSB is a third-party collection agency based in Nebraska. GSB has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), including making false statements and threatening to take actions that cannot legally be taken. If this debt collector has contacted you about past due collection items, make sure you know your rights before you take action.
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According to the Better Business Bureau (BBB), General Service Bureau, Inc. is a legitimate collection agency founded in 1946 and incorporated in 1958. The BBB established a profile page for GSB in 1961. GSB is listed a collection agency and accounting and bookkeeping machine provider. Buzzfile estimates GSB’s annual revenue at $9.0 million and the size of its headquarters staff at 65 employees.
According to its website, GSB is a respected leader in the healthcare receivables management industry with a mission of enhancing the financial well-being of others. The GSB website states that this “principle defines every aspect of GSB’s workflow, culture, client interaction, and service philosophy.” GSB cites as their strengths faster recoveries, better service, superior staff, smart technology, customized processes, and dedication to quality.
General Service Bureau collects delinquent debts exclusively for healthcare providers. GSB is actually comprised of two independent organizations—Early Out Services, Inc. (EOS) and General Service Bureau, Inc. Together these entities operate collectively as GSB. EOS offers self-pay management, insurance follow-up, and special project programs to allow businesses “to focus on opportunities for greater reimbursement.” EOS’s pre-collection services feature “highly customized solutions”; a “stringent recruiting process” resulting in dedicated teams with a low turnover rate; automated, PPMS-certified processes; patient friendly letters and statements; and patient-friendly telephone contact.
GSB’s collection services feature a professional collection staff with a 70% certification rate with the American Collector Association (ACA); a “consultative approach to the collection process”; favorable staffing levels that enable the lowest collector-to-account ratio “in the industry.”; “balance-driven, multi-phase work efforts”; and “diligent skip efforts.”
GSB has received certification through ACA International’s Professional Practices Management System (PPMS), placing it among 1% of all collection agencies worldwide. PPMS certification “covers 18 crucial aspects” and “is bestowed upon agencies that complete a rigorous application and audit process.” GSB also maintains a program of ethics training for its staff. GSB has made a commitment to community involvement and has received many awards and recognitions. However, their website is client-facing and does not include a page with links and references to consumer protection resources, laws, and enforcement agencies.
The BBB has closed 27 complaints against General Service Bureau in the past 3 years, with 11 complaints closed in the previous 12 months. Most of those complaints alleged problems with billing and collections. As of March 2015, the Consumer Financial Protection Bureau (CFPB) has closed a total of 13 complaints against GSB. Justia lists at least 3 causes of civil litigation involving GSB.
General Service Bureau, Inc.
10303 Crown Point Ave., Ste. 210
Omaha, NE 68134-1061
Telephone: (402) 255-5025
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely GSB would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Complaints
In December 2003, in United States District Court for the District of Nebraska, a judge issued a memorandum and order in a case alleging General Service Bureau had violated the FDCPA and the Nebraska Consumer Protection Act (NCPA). In this case, there were five plaintiffs, all of whom claimed that GSB violated the FDCPA provision against the “use of unfair or unconscionable means to collect or attempt to collect any debt.” Specifically, GSB pursued collection of delinquent debts from the plaintiffs in this case through the Nebraska court system. As part of that process, “GSB admitted that it recovered attorney fees, costs, and interest without obtaining a judgment.” Furthermore, “one listed example of an unfair or unconscionable action under the FDCPA is ‘the collection of any amount (including interest, fee, charge, or expense incidental to the principal obligation)’ unless ‘authorized by the agreement or permitted by law.’” The court determined “as a matter of law that Neb.Rev.Stat. § 25-1801 does not permit collection of amounts in excess of the debt without first obtaining a judgment.” As a result, “GSB’s practice of routinely collecting these amounts in reliance on the statutory grant contained in Neb.Rev.Stat. § 25-1801 is a violation of the FDCPA.” The court stated that General Service Bureau “sought recovery in county court under the jurisdiction provided by Neb.Rev.Stat. § 25-1801 and sought fees pursuant to that statute, …but there has been no showing that the claims (debts) at issue were liquidated.” As a result, the court concluded that “GSB’s argument that it is entitled to collect interest by virtue of Neb.Rev.Stat. § 45-104 is without merit.” The court also stated that “GSB’s reliance on the Uniform Commercial Code to support its collection of fees is similarly lacking in merit. As the court noted in its earlier order, the fact that incidental damages may be awarded under Nebraska law does not mean that they can be awarded absent a judgment.” As for the NCPA charges, the court upheld the plaintiffs’ right to bring charges that GSB had violated the NCPA’s provision that “unfair methods of competition and unfair or deceptive acts or practices in the conduct of any trade or commerce shall be unlawful.” Because this case was a class action that affected the public interest, the court rejected GSB’s “contention that the NCPA covers only monopolies and price-fixing.”
Thus, the court granted the plaintiffs’ motion for summary judgment on their FDCPA claim, finding that “as a matter of law…Neb.Rev.Stat. § 25-1801 does not authorize collection of attorney fees in a debt collection action without entry of judgment.” The court also denied GSB’s motion for summary judgement. However, because there were still issues of material fact that needed to be decided at trial, the plaintiffs’ “motion for summary judgment was denied in all other respects.” Due to the nature of the NCPA, the court also determined that the plaintiffs were not entitled to a jury trial on their NCPA claim.”
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).
The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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“To anybody who has a problem with a debt collector, I highly suggest Lemberg Law. I obtained attentive, personalized service and obtained resolution within three months.”
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“Thank you Lemberg Law!!! Harassed non-stop by rude collectors. My attorney was speedy and polite, really knew what she was doing. They took my call, asked what was going on, never interrupted, and were extremely patient. I knew what was going on every step of the way. They got the calls to stop and sent me a check in the mail as promised. I even paid off my debt with the settlement! Ha!.”
“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”
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