Gila, LLC

Is Gila, LLC hurting your credit score?

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

Who is Gila, LLC?

Gila, LLC, also known as Municipal Services Bureau (MSB) and Gila Group, is a debt collection agency based in Austin, Texas. The company specializes in the recovery of debts on behalf of its clients.

The company is a registered Independent Sales Organization (ISO) of Fifth Third Bank, N.A. Cincinnati, OH. As an ISO, Gila, LLC has a business relationship with Fifth Third Bank, which enables it to process payments and transactions on behalf of the bank’s merchant customers. This role typically involves dealing with payment terminals, credit card processing, and other related services.

If a bill goes unpaid, the original creditor might assign or sell that debt to a debt collection agency like Gila, LLC. Once that happens, Gila, LLC may then appear on your credit report as a collections account.

Who does Gila, LLC collect for?

Gila, LLC serves a wide range of public entities, including state governments, transportation authorities, municipal government entities, and others.

Is Gila, LLC legit or a scam?

Gila, LLC 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 Gila LLC 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.

Gila, LLC/Municipal Services Bureau Contact Information


Municipal Services Bureau
8325 Tuscany Way Bldg 4
Austin, TX 78754-4734

Phone number: (512) 371-9995

Should I contact or pay Gila, LLC?

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 Gila, LLC is to work with a credit repair professional. They help remove millions of negative items every year from companies like Gila, LLC on behalf of their clients.

Will Gila, LLC sue me or garnish my wages?

Gila, LLC, like many debt collection agencies, has the ability to sue you in court if you have a substantial unpaid debt and all other collection efforts have failed. If they win the lawsuit and obtain a judgment against you, they could potentially garnish your wages or bank account, depending on your state laws.

However, it’s crucial to note that legal action is often a last resort for debt collection agencies. Before taking such measures, Gila, LLC is likely to attempt other means of collecting the debt, such as setting up a payment plan or offering a settlement for a lesser amount.

Gila, 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 Gila, LLC

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 Gila, 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.
  • Gila, LLC may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Gila, 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.
  • Gila, LLC cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Gila, LLC From Your Credit Report Today!

Credit Saint can assist you in disputing Gila 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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