Genesis Credit Management


Is Genesis Credit Management hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Genesis Credit Management?

Genesis Credit Management, also known as Columbia Debt Recovery, is a debt collection agency headquartered in Everett, Washington. The agency is well-known for assisting businesses in managing their outstanding debts, with a key focus on apartment lease collections.

If you have unpaid bills related to apartment leases, your debt may have been transferred to this agency. This can lead to Genesis Credit Management being listed on your credit report as a collections account.

Who does Genesis Credit Management collect for?

Genesis Credit Management primarily collects for businesses related to the apartment leasing industry. These could be large apartment complexes, real estate management companies, or individual landlords who are owed rent or other lease-related fees by tenants. If you’ve left an apartment with an unpaid balance, it could be Genesis Credit Management who contacts you to collect that debt.

Is Genesis Credit Management legit or a scam?

Genesis Credit Management 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 Genesis Credit Management 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.

Genesis Credit Management, LLC / Columbia Debt Recovery, LLC Contact Information


Genesis Credit Management, LLC
906 SE Everett Mall Way Ste 301
Everett, WA 98203

Phone number: (866) 863-9194 or (509) 836-5558

Should I contact or pay Genesis Credit Management, LLC?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with Genesis Credit Management is to work with a credit repair professional. They help remove millions of negative items every year from companies like Genesis Credit Management on behalf of their clients.

Will Genesis Collection Agency sue me or garnish my wages?

As a debt collection agency, Genesis Credit Management, LLC can potentially sue you if you fail to pay the debt you owe. The decision to sue can vary based on the size of the debt, the cost of litigation, and the likelihood of collecting payment.

If they win a lawsuit against you and obtain a judgment, they may have the legal right to garnish your wages depending on your state’s laws. However, this is generally seen as a last resort and many agencies prefer to set up payment arrangements before reaching this point.

Genesis Credit Management, LLC 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 a debt collector is harassing you, you may want to 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 Genesis Credit Management, LLC

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 Genesis Credit Management, LLC 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.
  • Genesis Credit Management, LLC may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Genesis Credit Management, LLC 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.
  • Genesis Credit Management, LLC cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove GCM Collections From Your Credit Report Today!

Credit Saint can assist you in disputing GCM 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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Meet the author

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