If you’ve spotted Gila LLC on your credit report, you might be wondering how to get it removed. A collection account from Gila can damage your credit score and stay on your report for years if left unchallenged.
Here’s what you need to know about Gila LLC, how they operate, and how to handle their collection accounts.
Who Is Gila LLC?
Gila LLC, also known as Municipal Services Bureau (MSB) or Gila Group, is a debt collection agency based in Austin, Texas. They primarily collect debts for public-sector clients and government-related entities.
Gila LLC is also a registered Independent Sales Organization (ISO) of Fifth Third Bank, which allows them to process payments for certain merchant services. But if they’re showing up on your credit report, it’s likely due to an unpaid debt turned over for collections.
Who Does Gila LLC Collect For?
Gila LLC works with public entities, including:
- State governments
- Transportation agencies
- Municipal governments
- Courts and toll authorities
If you’ve missed payments to a government agency, toll authority, or similar organization, your account may have been passed to Gila LLC for collection.
Is Gila LLC a Scam?
Gila LLC is not a scam. They are a real debt collection agency authorized to collect money on behalf of their clients. However, collection agencies sometimes report incorrect information, so it’s important to confirm the debt is accurate before making payments or admitting responsibility.
How to Remove Gila LLC From Your Credit Report
A collection account from Gila LLC can lower your credit score and remain on your report for up to seven years. But there are ways to remove it sooner:
- Dispute Inaccurate Information: If the debt is not yours, the amount is incorrect, or any details are wrong, file a dispute with the credit bureaus.
- Request Debt Validation: Send Gila LLC a debt validation letter. They must prove the debt is yours and verify the amount before they can continue collection efforts.
- Negotiate a Pay-for-Delete: You may be able to arrange a pay-for-delete deal, where you agree to pay the debt if they agree in writing to remove the collection from your credit report.
- Work With a Credit Repair Service: Credit experts can help dispute errors, challenge collections, and improve your credit faster.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Pay Gila LLC?
Before paying, make sure the debt is legitimate, still within the statute of limitations, and accurately reported. Paying a collection can sometimes restart the reporting period, so be cautious.
If you choose to pay, try to negotiate a pay-for-delete to have the account removed entirely from your credit report.
Can Gila LLC Sue You or Garnish Your Wages?
Gila LLC can pursue legal action to recover unpaid debts. If they file a lawsuit and win, they may obtain a judgment that allows wage garnishment or bank account levies, depending on your state’s laws.
Lawsuits are typically a last resort. In many cases, they will attempt to collect through other means, such as payment plans or settlements, before going to court.
Gila LLC Contact Information
Here’s how to reach them:
Municipal Services Bureau (Gila LLC)
8325 Tuscany Way, Building 4
Austin, TX 78754-4734
Phone: (512) 371-9995
If you contact them, keep all communication in writing and never admit to owing the debt until you’ve verified its accuracy.
Complaints Against Gila LLC
Like many debt collectors, Gila LLC has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Reporting inaccurate information
- Failing to validate debts
- Harassing phone calls
If you believe your rights have been violated or you’re being harassed, consider filing a complaint with the CFPB or BBB.
Your Rights When Dealing With Gila LLC
Debt collectors must follow state and federal laws under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Your rights include:
- Debt Validation: You can request proof the debt is legitimate and that the amount is accurate.
- Protection From Harassment: Gila LLC cannot threaten, harass, or use abusive language.
- Accurate Reporting: They cannot report false or incomplete information to the credit bureaus.
- Honest Communication: They must clearly identify themselves and explain their reason for contacting you.
- No False Threats: They cannot threaten arrest or jail for unpaid debts.
If they break these rules, you have the right to dispute the debt or take legal action.
Ready to Remove Gila LLC From Your Credit Report?
Collections from Gila LLC can be stressful, but you don’t have to face them alone. Credit Saint has helped thousands of people remove negative items and clean up their credit reports. They even offer a 90-day money-back guarantee for peace of mind.
If you want help dealing with Gila LLC collections, visit their website or call (855) 281-1510 for a free consultation 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.
