How to Remove Gila LLC From Your Credit Report

Updated

Call for a free consultation to learn how to remove inaccurate 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 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?

Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.

If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.

Ready to Clean Up Your Credit Report?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Gila LLC/Municipal Services Bureau Contact Information

Address:

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 Credit reports can contain errors or list debts that are no longer valid.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 offers assistance with disputing Gila accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.

If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.

Visit their website or call (855) 281-1510 for more details.

Crediful
Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.