If GB Collects shows up on your credit report, it means an unpaid debt may have been sent to collections. Here’s what you need to know about GB Collects, how they operate, and how to get them removed from your credit report.
Who Is GB Collects?
GB Collects, LLC is a third-party debt collection agency based in Voorhees, New Jersey. They work on behalf of businesses to recover unpaid debts.
If they’re listed on your credit report, it usually means a bill you didn’t pay has been assigned to them for collection.
Who Does GB Collects Work For?
GB Collects provides collection services for businesses across several industries, including:
- Health and property casualty insurance companies
- Commercial lessors
- Manufacturers and distributors
- Law firms
If you owe money to a business in one of these sectors, GB Collects may be trying to collect that debt.
Is GB Collects a Legitimate Company?
Yes, GB Collects is a real, legally authorized collection agency. They have permission to collect debts on behalf of their clients. Still, always verify the details before paying, as errors on credit reports happen often.
How to Remove GB Collects From Your Credit Report
A collection account can stay on your credit report for seven years and lower your credit score. But there are ways to address it:
- Dispute incorrect information – If the details on the account are wrong, file a dispute with the credit bureaus. They are required to investigate and correct any mistakes.
- Negotiate a pay-for-delete – If the debt is valid, you can offer to pay in exchange for having the account removed from your credit report. Get the agreement in writing before sending any money.
- Work with a credit repair company – Professionals can challenge questionable items and help clean up your credit report faster.
Handling collections quickly can protect your credit score.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay GB Collects?
Before reaching out to GB Collects, confirm the debt is accurate and still legally valid. Some debts may be too old to impact your credit or might not belong to you at all.
Be cautious—making a payment can restart the time clock on certain debts, which could affect your credit for longer.
Many people choose to work with credit repair experts. They help remove millions of negative items from credit reports every year, including accounts from GB Collects.
Can GB Collects Sue You or Garnish Your Wages?
Debt collectors, including GB Collects, can sue to collect unpaid debts, but legal action is often a last resort. Lawsuits are expensive and time-consuming.
If they sue and win, they could garnish wages, seize bank accounts, or place a lien on property, depending on state laws.
Before it gets to that point, collectors typically offer payment plans or settlements. It’s always better to address the debt early to avoid legal problems.
GB Collects Contact Information
Address:
GB Collects, LLC
1253 Haddonfield Berlin Rd.
Voorhees, NJ 08043
Phone Numbers:
(856) 768-9995
(888) 688-5700
GB Collects Complaints
Like many collection agencies, GB Collects has complaints filed with the Better Business Bureau (BBB) and the Consumer Financial Protection Bureau (CFPB). Common complaints include:
- Incorrect information on credit reports
- Failure to verify debts
- Harassment or aggressive collection tactics
If you experience harassment or false reporting, you can file a complaint with these agencies.
Your Rights When Dealing With GB Collects
You have legal protections under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These laws outline your rights:
- GB Collects cannot report false or incomplete information about you.
- You can request written proof of the debt within 30 days of first contact. They must verify the debt belongs to you and the amount is correct.
- Harassment is illegal. They cannot use threats, excessive calls, or abusive language.
- They must clearly identify themselves as a debt collector, both verbally and in writing.
- They cannot threaten you with arrest or jail for unpaid debts.
Knowing your rights helps you deal with debt collectors with confidence.
Get GB Collects Removed From Your Credit Report
Dealing with collections can be stressful, but help is available. Credit Saint, a trusted credit repair company with over 15 years of experience, assists clients with removing inaccurate or damaging items from credit reports, including accounts from GB Collects.
They even offer a 90-day money-back guarantee for added peace of mind.
Want to protect your credit? Visit their website or call (855) 281-1510 to get started today.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
