Malcolm S. Gerald & Associates


Is Malcolm S. Gerald & Associates hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Malcolm S. Gerald and Associates?

Malcolm S. Gerald & Associates, Inc. is a debt collection agency now known as Glass Mountain Capital, LLC. They are based in Schaumburg, Illinois. As a collection agency, they collect debts on behalf of various entities.

If you have unpaid debts, and those debts have been transferred or sold to this agency, you may find them listed on your credit report.

Who does Malcolm S. Gerald & Associates collect for?

Malcolm S. Gerald & Associates collects for a variety of businesses and institutions. Their clients often include debt buyers, healthcare providers, municipalities, and businesses that provide various types of services.

Is Malcolm S. Gerald & Associates legit or a scam?

Malcolm S. Gerald & Associates is a legitimate company. However, as with any debt collector, they have been known to employ aggressive tactics, such as frequent phone calls, texts, or emails, in an attempt to collect unpaid debts.

How can I remove Malcolm S. Gerald and Associates 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.)

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 assist people in getting their credit back on track.

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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Malcolm S. Gerald & Associates, Inc. Contact Information


Malcolm S. Gerald & Associates, Inc.
1930 Thoreau Dr. N Ste 100
Schaumburg, IL 60173

Phone number: (800) 265-3796 or (312) 922-6500

Should I contact or pay Malcolm S. Gerald and Associates?

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 Malcolm S. Gerald & Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like Malcolm S. Gerald and Associates, Inc. on behalf of their clients.

Will Malcolm S. Gerald & Associates, Inc. sue me or garnish my wages?

Malcolm S. Gerald & Associates could potentially sue you for unpaid debts. If they were to win the lawsuit, the court could grant them a judgment that allows them to garnish your wages or levy your bank account. However, it’s important to note that lawsuits are not always pursued by debt collection agencies, as they can be costly and time-consuming.

Malcolm S. Gerald and Associates, Inc. Complaints

Many collection agencies have numerous complaints filed 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 you find yourself facing any of these situations with Malcolm S. Gerald and Associates, Inc., you should also 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 Malcolm S. Gerald and Associates, Inc.

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 Malcolm S. Gerald and Associates 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.
  • Malcolm S. Gerald and Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Malcolm S. Gerald and Associates 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.
  • Malcolm S. Gerald and Associates cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Malcolm S. Gerald & Associates From Your Credit Report Today!

Credit Saint can help you dispute Malcolm S. Gerald & Associates 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.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.

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.