Is GLA Collection Company Inc. calling you?* Here's What You Need to Know
Are you behind on your regular monthly financial obligations? If so, you may eventually be contacted by a third-party debt collector acting on behalf of your creditors. If that happens and the collector is abusive, there is something important you should know: there is a federal law in place to protect you from unethical debt collection practices.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects consumers who owe money from being abused by overzealous debt collectors. The FDCPA makes it illegal for a collection agency to use tactics like those below when attempting to collect a debt.
- Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
- Using profane or obscene language
- Discussing the debt with anyone except you, your spouse, or your attorney
- Calling you at work when they know that your employer prohibits such calls
- Threatening action they cannot legally take or have no intention of taking
- Demanding amounts that exceed the amount of the original debt
Company Profile: GLA Collection Company Inc.
GLA Collection Company Inc. is a debt collection company located in Louisville, Kentucky with a branch office in Indianapolis, Indiana. It was established in 1974, has 50 to 99 employees, and is managed by its President, Mike Lynch. The company has been the subject of 61 complaints to the Better Business Bureau in the last three years. Records on file at the PACER (Public Access to Court Electronic Records) website indicate that GLA Collection Company Inc has been accused of illegal debt collection practices.
Alleged Violations against GLA Collection Company Inc.
According to PACER, on March 31, 2014, GLA Collection Company Inc. sent an Indiana resident a collection letter stating that she owed a balance of $738.55 on a debt it was trying to collect. The letter added that GLA was attempting to collect the debt on behalf of “Your Accounts”.
The letter did not itemize the accounts to show the identity of the creditors, or the amounts of the various accounts, upon whose behalf GLA Collection Company Inc. was collecting. The plaintiff was perturbed because she had made a payment on one of her accounts, as evidenced by a statement in the letter that read “Thank you for your recent payment”, yet the letter did not identify which account said payment was applied. The letter also did not inform her as to the balance of the other accounts.
Frustrated, the plaintiff hired a consumer attorney and sued GLA Collection Company Inc for allegedly violating the FDCPA in the following ways:
- Attempting to collect a debt without identifying the creditors
- Using harassing and oppressive means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for GLA Collection Company Inc. are:
If you see any of these numbers on your caller ID when the phone rings, it means that a debt collector is trying to contact you. If GLA Collection Company Inc. is deceptive about who your creditors are, contact a consumer attorney. This lack of transparency is illegal, and you could potentially win $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages in a court action. Don’t let yourself be bullied: fight back. It could pay off.
*Case taken from PACER (www.pacer.gov). File number is Case 1:15-cv-00512-TWP-DKL from the United States District Court, Southern District of Indiana, Indianapolis Division.
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against GLA Collection Company Inc. or any other third-party collection agency, you may not be entitled to any compensation.