GEM Recovery Systems


Is GEM Recovery Systems hurting your credit score?

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Who is GEM Recovery Systems?

GEM Recovery Systems is a debt collection agency based in Oradell, New Jersey. They pursue debts on behalf of creditors.

If GEM Recovery Systems has contacted you or if they appear on your credit report, it is typically due to an outstanding debt that they are attempting to collect.

Who does GEM Recovery Systems collect for?

GEM Recovery Systems provides debt collection services specifically for the healthcare industry. This can include a wide range of debts, from unpaid medical bills to outstanding balances for hospital or specialist care.

Is GEM Recovery Systems legit or a scam?

GEM Recovery Systems is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove GEM Recovery Systems from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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GEM Recovery Systems Contact Information


GEM Recovery Systems
800 Kinderkamack Rd
Oradell, NJ 07649

Mailing address:

GEM Recovery Systems
PO Box 85
Emerson, NJ 07630

Phone number: (201) 722-8780

Should I contact or pay GEM Recovery Systems?

Before contacting a 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 Credit reports can contain errors or list debts that are no longer valid.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 GEM Recovery Systems is to work with a credit repair professional. They help remove millions of negative items every year from companies like GEM Recovery Systems on behalf of their clients.

Will GEM Recovery Systems sue me or garnish my wages?

As a debt collection agency, GEM Recovery Systems does have the legal right to sue you over unpaid debt. If they file a lawsuit and win, the court may grant them a judgment allowing them to garnish your wages or levy your bank account, depending on your state’s laws.

However, remember that a lawsuit is generally a last resort for debt collectors due to the cost and time involved. Prior to this step, GEM Recovery Systems will likely attempt to contact you multiple times to negotiate repayment of the debt.

GEM Recovery Systems 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 GEM Recovery Systems, 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 GEM Recovery Systems

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 GEM Recovery Systems 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.
  • GEM Recovery Systems cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • GEM Recovery Systems 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.
  • GEM Recovery Systems cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove GEM Recovery Systems From Your Credit Report Today!

Credit Saint can help you dispute GEM Recovery Systems collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

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