GLA Debt Collection Harassment Settlements and Lawyers • Video
GLA Debt Collections often collects for medical debt in Kentucky and the surrounding states. According to the Better Business Bureau (BBB), GLA Collection Company has received various ratings and consumer reviews. The business bureau’s ratings highlight several consumer complaints and reviews, which can indicate potential red flags regarding the company’s practices. It has been our experience with GLA after a debt sent to them there is little or no reason to settle or pay the debt. If the unpaid collection item is placed on your credit report, there is little or nothing else a debt collector will do and little benefit the debtor gets by paying. If anything payment only makes a FICO score drop and encourages more debt collection activity
GLA Debt Collections Harassment Settlements and Lawyers
There are several ways you can stop the harassment from debt collectors which operate in Kentucky. Some of the law firms which represent debt collectors include. Williams and Williams; Cooper & Cooper Law Offices, PLLC; Fenton and Mcgarvey; Morgan Pottinger McGarvey; and Fowler Bell. If you pay the debt collectors your FICO score may actually drop and you encourage more collections by paying one debt collector.
Debt Collection law firms will sue a debtor to collect. This includes filing a lien on a home, attaching bank accounts wages and in rare cases, we have seen cars and furniture taken from a home. It is very important that you respond to any lawsuit. If the creditor wins a judgment, they will collect interest and attorney fees which balloons and increases the debt. A contract does not have to be sued for 15-years in Kentucky. Once a creditor obtains a judgment lien and attaches a home the judgment is good for 20 years and the lien may difficult or impossible to remove later.
You may also consider negotiating a debt settlement agreement with GLA Collections. This formal contract, signed by both parties, can help resolve debts and is especially important in the context of ongoing legal actions.
⎆ Understanding GLA Collections
GLA Collections is a debt collection agency that specializes in recovering delinquent debts for various industries, including healthcare, telecommunications, and financial services. They acquire debts either by purchasing them from the original creditor or by being hired by that creditor to collect on their behalf. With over 40 years of experience, GLA Collections is a legitimate debt collection company, licensed and bonded to operate in many states. However, they have received numerous complaints about their practices, including allegations of harassment and inaccurate credit reporting. Understanding the nature of GLA Collections can help you better navigate any interactions you may have with them.
⎆ Fair Debt Collection Practices
The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to regulate the behavior of debt collectors and provide protection for consumers. Debt collectors like GLA Collections must adhere to specific rules when attempting to collect a debt. These rules include:
- Not harassing or threatening consumers
- Not making false or misleading statements
- Not contacting consumers at inconvenient times or places
- Not contacting consumers’ employers or family members without permission
- Providing consumers with written notice of the debt and their rights
Consumers have the right to dispute the debt and request validation from the debt collector. If a debt collector violates the FDCPA, consumers may be entitled to money damages, and the debt collector may be required to pay their attorney’s fees and costs. Knowing your rights under the FDCPA can empower you to stand up against unfair debt collection practices.
⎆ GLA Collections Debt Collector
GLA Collection Company in our experience will not negotiate for any substantial reduction of the debt. They rarely sue to collect medical and other debts sent to them. They do make constant and repeated mailings and phone calls. Paying them will often cause a tax debt for any amount less than paying the full amount.
Just like Bankruptcy people get behind often due to divorce, death in the family, disease, or being discharged from work. We often call this the 4 Ds and causes of delinquency. Being behind on your debt may be no fault of your own.
Medical debt is often charged off after about six months. After this debt collectors like GLA Collection Company or; Pennyrile Collections call, demanding payment. I have never seen or heard of debt collectors suggesting to you, filing bankruptcy, or suing the doctor as an alternative. Debt collectors like GLA collections get their pay by taking a percentage of the amount they collect.
Often the only solution a debt collector will offer is for you to give them money. There may be programs that the hospital offers that help pay the debt. If you are contacted by GLA be sure to ask about these programs. If you believe the amount for the debt is wrong, you can ask for arbitration, but you must ask for it.
There are apps like record all calls that allow you to record the conversation with the debt collector. You can also block the calls or ask that they place you on their do not call list if you don’t want to hear from them for months or years.
Phone calls play a significant role in GLA Collection’s debt collection methods. It is crucial to document these calls to protect your rights under applicable laws.
GLA Collections Lawyer Fair Debt Collection Practices Harassment
GLA Collection Company, Inc. primarily collects consumer debts for others, specializing in healthcare collections. The FDCPA or Fair Debt Collection Practices Act only applies to debt collectors and consumer debts. When a debt collector attempts to collect the debt owed to another company or person. For consumer debt, the FDCPA applies. If you believe you have been treated with disrespect or been given misleading information to collect a debt, you probably have an FDCPA case. Other acts like FCRA and TCPA allow you to sue debt collectors.
To win an FDCPA case against a debt collector like GLA, you must file your case within one year after the harassment. A successful case will award you minimum damage of 1000 dollars plus your attorney fees and court costs.
Debt collection agencies like GLA pursue receive a percentage of the amount they collect. Some Debt collectors buy the debt for about 4% of what is owed or less, and then they will attempt to collect the debt. They may only have 4% invested in the bad debt, but they will attempt to collect the full amount.
⎆ Stopping the Harassment
Nothing stops the harassment quite like filing bankruptcy. But, there can be other options like debt settlement. First, you have a right to privacy. So, when you get a call from GLA, you can tell them you want all future contact in writing. Then, send them a request by certified mail that states that you only want contact by writing. In that same request, also state that you are the only person they can contact. You must include this because collectors often contact family members, employers, neighbors, and friends in an attempt to coerce you to repay.
With the certified, return receipt, you have documentation that the debt collector has the document in hand. For a minor fee, you can also hire an attorney. If you hire an attorney to represent you, they cannot legally contact you without violating the FDCPA. For more information on FDCPA and contempt lawsuits see our page on the FDCPA.
⎆ Credit Report Concerns
GLA Collections may report debts to credit bureaus, which can negatively impact your credit score. However, consumers have the right to dispute errors on their credit report and request that the debt collector remove any inaccurate items. The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to ensure the accuracy of the information they report. Consumers can request a free credit report from each of the three major credit bureaus once a year and dispute any errors they find. By staying vigilant and regularly checking your credit reports, you can protect your credit score from inaccuracies.
⎆ GLA Collections Lawsuits and Court Action
GLA Collections may resort to suing consumers who fail to pay their debts. If you receive a lawsuit from GLA Collections, it is crucial to respond promptly and assert your defenses. Ignoring the lawsuit can result in a default judgment against you, which can lead to wage garnishment, bank account levies, or liens on your property. Seeking the advice of an attorney can help you navigate the legal process and protect your rights. Remember, you have the right to defend yourself in court and challenge the validity of the debt.
⎆ Top Debt Collection Violations
Debt collectors like GLA Collections may violate the FDCPA and FCRA in various ways, including:
- Harassing or threatening consumers
- Making false or misleading statements
- Failing to provide consumers with written notice of the debt and their rights
- Reporting inaccurate information to credit bureaus
- Failing to respond to consumer disputes
If you believe your rights have been violated by GLA Collections or any other debt collector, it is important to contact an attorney who specializes in debt law. They can help you understand your rights and take appropriate action to hold the debt collector accountable. Protecting yourself from unfair debt collection practices is essential for maintaining your financial well-being.
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Let us help. We have been fighting debt collectors, defending foreclosures, and filing bankruptcy cases for consumers for over 30 years. Nick C. Thompson, Bankruptcy Lawyer: 502-625-0905.
