Gila LLC


Is Gila LLC hurting your credit score?

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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 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 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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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?

Before contacting a collection agency, 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 Credit reports can contain errors or list debts that are no longer valid.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 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

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 Gila 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 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Gila LLC cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Gila 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.
  • Gila LLC cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Gila LLC From Your Credit Report Today!

Credit Saint can help you dispute Gila 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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