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 remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

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

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

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

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?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

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

Most collection agencies have numerous complaints filed against them 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with GEM Recovery Systems

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • GEM Recovery Systems may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • GEM Recovery Systems must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • GEM Recovery Systems cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove GEM Recovery Systems From Your Credit Report Today!

Credit Saint can assist you in disputing GEM Recovery Systems collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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