Who is GB Collects?
GB Collects, LLC is a third-party debt collection agency based in Voorhees, New Jersey. Their primary role involves assisting businesses in recovering money owed to them.
If the company is working on your case, you may find GB Collects listed on your credit report as a collection account.
Who does GB Collects collect for?
GB Collects offers debt collection services to diverse sectors including health and property casualty insurance companies, commercial lessors, manufacturers, distributors, and law firms.
Is GB Collects legit or a scam?
GB Collects is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s essential to verify any debts they claim you owe before making any payments.
How can I remove GB Collects from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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GB Collects, LLC Contact Information
Address:
GB Collects
1253 Haddonfield Berlin Rd.
Voorhees, NJ 08043
Phone number: (856) 768-9995 or (888) 688-5700
Should I contact or pay GB Collects?
Before contacting a third-party collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with GB Collects is to work with a credit repair professional. They help remove millions of negative items every year from companies like GB Collects on behalf of their clients.
Will GB Collects sue me or garnish my wages?
GB Collects is entitled to take legal action, including lawsuits, to recover unpaid debts. If a lawsuit is successful, the court may issue a judgment that allows the agency to garnish your wages, bank accounts, or even place a lien on your property, depending on the specific laws in your state. However, these steps are typically last resorts, as they are time-consuming and costly.
Keep in mind, before it reaches that point, debtors usually have the opportunity to negotiate repayment plans or even settle for a lesser amount.
GB Collects, LLC Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed by GB Collects, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with GB Collects, LLC
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for GB Collects to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- GB Collects cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- GB Collects must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- GB Collects cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove GB Collects From Your Credit Report Today!
Credit Saint offers assistance with disputing GB Collects collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
