Genesis Credit Management


Is Genesis Credit Management hurting your credit score?

Schedule a free consultation to learn how to 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 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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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. 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 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

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 Genesis Credit Management, 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 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Genesis Credit Management, LLC cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Genesis Credit Management, LLC 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.
  • Genesis Credit Management, LLC cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove GCM Collections From Your Credit Report Today!

Credit Saint can help you dispute GCM 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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