Settle Debt with Global Payments Check Services
Global Payments Check Services can damage your credit score, but you have rights. Federal laws protect you from unfair collection practices and wrongful credit report entries. If you're facing a lawsuit or need to settle debt with Global Payments, acting quickly gives you the best chance for a favorable outcome.
Respond to LawsuitA credit report entry from Global Payments Check Services means you owe a debt. Or it could be a wrongful entry harming your credit. Either way, you need to act quickly to protect your rights.
Global Payments Check Services uses advanced technology to track down consumers. Their systems make it difficult to dispute debts. However, their information can contain errors that damage your credit score.
Being Sued by Global Payments Check Services?
Don't ignore a lawsuit from Global Payments. Respond within your deadline to avoid automatic judgment. Our partner Solo helps you answer the summons and negotiate settlements that protect your rights.
Answer Your LawsuitYou have rights when dealing with debt collectors. Understanding these rights helps you fight back against unfair practices.
What Is Global Payments Check Services
Global Payments Check Services is a payment processing company and debt collector. The company operates from Niles, Illinois and was founded in 1964. They provide technology and services to help companies collect debts.
Their services include:
- Industry-specific software for debt collection operations
- Email marketing tools and analytics dashboards
- Employee payment and management systems
- Business-to-business accounts payable and receivables
When you fall behind on payments, your lender may transfer your account. Most lenders wait 90 to 180 days before making the transfer. After that, Global Payments Check Services takes over collection efforts.
Federal Laws Protect You From Debt Collectors
Big companies like Global Payments Check Services can feel intimidating. Fortunately, federal laws protect your rights as a consumer. You can use these laws to stop unfair collection practices.
Fair Credit Reporting Act (FCRA)
The FCRA ensures debt collectors report accurate information on your credit report. You have the right to dispute any inaccuracies with credit bureaus.
Global Payments Check Services cannot:
- Report debt as charged off when you settled it
- Add debt that doesn’t belong to you
- Include outdated debt information on your report
- Report inaccurate balances or payment history
- Re-age your account to extend collection efforts
Telephone Consumer Protection Act (TCPA)
The TCPA protects you from robocalls and pre-recorded messages. Debt collectors must follow strict guidelines when calling consumers.
The law prevents companies from:
- Placing endless robocalls without your consent
- Calling you after you register on the do-not-call registry
- Using automatic dialing systems to harass you
Fair Debt Collection Practices Act (FDCPA)
The FDCPA stops debt collectors from using unfair or deceptive practices. Global Payments Check Services must follow these rules or face legal consequences.
Debt collectors cannot:
- Tell your friends, family, or coworkers about your debt
- Threaten to take your personal documents
- Use abusive or threatening language when contacting you
- Lie about legal actions they might take
Does Global Payments Check Services Harm Your Credit Score
Yes, an entry from Global Payments Check Services damages your credit score. The entry signals to lenders that you have unpaid debt. Third-party collection entries are especially harmful to your credit.
The damage shows lenders you have a history of non-payment. A negative entry can remain on your credit report for seven years. The impact lessens over time but still affects your overall score.
Your credit score determines your ability to get loans and credit cards. It also affects your interest rates and insurance premiums. Removing errors quickly protects your financial future.
How to Remove Errors From Your Credit Report
A wrongful entry can devastate your credit score improvement efforts. Several factors cause these errors to occur. Mistaken identity is common among consumers with similar names.
Global Payments Check Services may receive wrong information from creditors. System errors can also occur when transferring data. You can fix these errors by following these steps:
- Request your credit report from all three credit bureaus
- Highlight every section containing errors or wrong information
- Gather supporting evidence like bank statements and receipts
- Write a dispute letter explaining each error clearly
- Send copies to all three bureaus and Global Payments
- Wait up to 30 days for their investigation response
The credit bureaus will contact Global Payments Check Services during their investigation. They will remove the debt or correct errors based on their findings. You have the right to add a statement if they don’t remove the entry.
Negotiate Debt Settlement With Global Payments Check Services
If you genuinely owe the debt, settlement offers a path forward. Debt settlement means paying less than the full amount you owe. You must offer a lump sum payment or quick payment plan.
Creditors often accept settlement offers when full payment seems unlikely. They would rather collect something than nothing at all. Some creditors settle after verifying you cannot afford full payment.
If you’re being sued by Global Payments Check Services, our partner Solo can help you respond and negotiate a settlement. Acting quickly improves your chances of reaching a favorable agreement.
Settlement offers typically range from 30% to 70% of the original debt. The percentage depends on your financial situation and negotiation skills. Having a professional negotiator increases your chances of a better deal.
Contact Information for Global Payments Check Services
You can reach Global Payments Check Services at 1-800-638-4600 extension 410. Use this number to request documentation about your debt. You can also request your free annual FACTA report.
Always document every conversation with debt collectors. Write down the date, time, representative name, and discussion details. This documentation protects you if disputes arise later.
Send written requests via certified mail with return receipt requested. Certified mail proves the company received your correspondence. Keep copies of all letters and supporting documents.
Common Complaints About Global Payments Check Services
The Consumer Financial Protection Bureau reports dozens of complaints against Global Payments. Consumers report concerning debt collection practices by the company. Common complaints include excessive collection calls and fraudulent debt claims.
Many consumers report the company contacts them after requesting they stop. Others complain about difficulty getting debt documentation. Some report the company refuses to provide proper verification.
One consumer complained: “I called to get documentation on the listed debt. There is no phone number listed on my credit report. I sent a letter and have not received a response.”
If Global Payments Check Services violates your rights, you can take action. Document every violation carefully and consult with a consumer protection attorney. You may be entitled to compensation for FDCPA violations.
What Types of Debt Does Global Payments Collect
Global Payments Check Services collects debts from many industries. They work with creditors across various sectors and markets. The company handles consumer debts and business-to-business collections.
Common debt types include unpaid invoices and service charges. They also collect on returned checks and insufficient fund fees. Understanding your debt type helps you plan your response strategy.