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- Sue or Garnish My Wages?
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What Is GLA Collection Company?
GLA Collection Company has been operating for 40 years, and is based in Louisville, Kentucky. They operate in a number of countries, including Kentucky, Indiana, North Carolina, South Carolina, Ohio, Virginia, and Tennessee. The debt collection agency claims that their staff members have an average of 12 years of experience in health collections. GLA Collection Company focuses on medical collections, and advertises an “early-out” program that they claim makes them individual advocates instead of a collection agency.
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According to the BBB, GLA Collection Company is a legitimate collection agency founded in 1974. The BBB opened a file for GLA in 1978. The agency subsequently became accredited in 1971.
Along with its early out program, GLA provides a service called “Pre-Collect.” GLA asserts that this is a “milder” collection procedure which utilizes “third-party influence” to increase collections. GLA Collection Company employs robocalling tactics, utilizing an auto-dialer to confirm information and proceed customers through the collections process. If a debt is uncollected after 60 days, GLA accounts the debt to the major credit agencies.
GLA Collection Company Collection Agency Complaints
As of April 2017, the Better Business Bureau reported 71 closed GLA Collection Company complaints over the previous few decades, including 41 closed GLA Collection Company complaints over the past 12 months. Additionally, Justia lists seven GLA Collection Company complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, and eight alleging violations of the Telephone Consumer Protection Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 55 closed GLA Collection Company complaints for 2016.
GLA Collection Company, Inc.
2630 Gleeson Lane
Louisville, KY 40299
Phone Number: 800-928-7809
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely GLA 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!
Absolutely. Here Is A Sample Case Filed in Federal Court
In 2015, a judge in U.S. District Court, Western District of Kentucky, refused another debt collection agency’s motion to dismiss Mooneyham v. GLA Collection Company for alleged violations of the Fair Debt Collection Practices Act. According to the judge’s decision, the customer alleged that GLA Collection Company reported his medical debt to a credit bureau. He explained that, when he attempted to cover GLA Collection the face value of the debt, the debt collection agency told him he needed to cover interest rates that range from 8 percent o 18 percent annually. The customer argued that the interest rates violated state law and, thus, the FDCPA’s prohibition against collecting fees that a debt collection agency isn’t legally entitled to collect. The judge ruled against the second defendant and allowed the case to proceed.
It’s important to comprehend the difference between first- and – third party debt collectors. First-party debt collectors are first creditors. So, by way of instance, a dentist who issues a bill is a first creditor. The shop that issues the credit card you use is an original creditor. By comparison, third-party debt collectors aren’t employees of the original creditor. A debt collection agency is hired by the first lender to collect outstanding debts. The Fair Debt Collection Practices Act (FDCPA) applies only to third party collectors. If a person in the dentist’s office is calling you, they’re not bound by the FDCPA. But, if your dentist pays a collection agency to collect the debt, the agency is bound by the law.
There’s also a third sort of debt collector: the debt purchaser. Debt buyers buy charged off debt for pennies on the dollar, and then attempt to collect what they could. By way of instance, if your dentist has a lot of old debts which he is written off and is no longer attempting to accumulate, he might sell that package of debts to a debt buyer, who in turn will start collection actions. In this example, the debt purchaser is obligated by the FDCPA.
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 recieving 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.
What Our Clients are Saying
“Just a quick note to inform you that I got my check now and say thank you again. I will be discussing about you with “my friends!”
“I want to thank you and your team for all of the help you have provided to me. Honestly, you have a excellent staff who has dealt professionally and been very empathetic at one time in my life once I hit a speed bump.”
“Thank you and your staff at Lemberg Law for the exceptional work you did on my behalf in managing the debt collection agency. I’ve not experienced the level of professionalism, care, timeliness in follow-through, and financial compensation obtained through your firm.”
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