502-267-7522 Keeps Calling? Here's How to Stop GLA Collections

The number 502-267-7522 belongs to G.L.A. Collection Company, a Louisville-based agency that buys unpaid medical bills and tries to collect on them. If they're calling you, it's because a hospital, clinic, or doctor's office sold them your debt—probably for pennies on the dollar.

You have legal tools to make these calls stop. You can also fight back if they've crossed the line. Start by understanding who you're dealing with.

Who Is GLA Collections?

GLA Collections (full name: G.L.A. Collection Company, Inc.) has been in business since the 1960s. They hold a BBB accreditation and focus almost exclusively on medical debt. That means hospital bills, emergency room charges, lab work,anything your insurance didn't cover or you couldn't pay out of pocket.

The Consumer Financial Protection Bureau lists over 400 complaints against GLA Collections in the past three years. Common issues include calling the wrong person, attempting to collect on paid or disputed debts, and making repeated daily calls. The company is legitimate, but legitimacy doesn't mean they always follow the rules.

Why GLA Collections Is Calling You

Medical providers rarely keep chasing unpaid bills past 90 or 120 days. Instead, they sell the debt to a third-party collector like GLA. Once that sale happens, GLA owns the right to collect. They paid a fraction of what you owe,sometimes as little as 4 cents per dollar,so any amount you pay them is profit.

If you don't recognize the debt, that's not uncommon. Medical billing is a mess. You might have insurance denials you never knew about, charges from an out-of-network provider at an in-network hospital, or bills that should have been covered under a payment plan. GLA isn't required to prove the debt is valid before they start calling, but you can force them to prove it later.

How to Stop the Calls Immediately

You have two options: request that GLA stop contacting you, or demand proof that the debt is real. Both are protected by the Fair Debt Collection Practices Act (FDCPA), a federal law that regulates how collectors can behave.

Send a Cease Contact Letter

You can tell GLA Collections to stop calling you, but it has to be in writing. A phone request won't hold up if they ignore it. Mail a letter to:

G.L.A. Collection Company, Inc.
2630 Gleeson Lane
Louisville, KY 40299

Keep it short:

"This is a formal request under the Fair Debt Collection Practices Act that you cease all contact with me regarding the debt you claim I owe. Do not call, text, or email me. You may contact me only to confirm receipt of this letter or to notify me of specific legal actions you intend to take."

Send it certified mail with return receipt. Once GLA receives it, they can only contact you to confirm they got the letter or to tell you they're suing you. That's it. No more calls from 502-267-7522.

But here's the catch: stopping the calls doesn't erase the debt. GLA can still sue you. If the debt is valid and the statute of limitations hasn't run out, they might file a lawsuit instead of calling. That's why the next step matters.

Demand Debt Validation

Within five days of their first contact, GLA Collections must send you a written notice with the debt amount, the creditor's name, and a statement of your right to dispute the debt. If you didn't get that notice, they've already violated the FDCPA.

If you did get it,or when it arrives,send a debt validation letter within 30 days. This forces GLA to prove the debt is yours. Mail it to the same address:

"I dispute the debt you claim I owe. Under the FDCPA, I request that you provide validation of this debt, including the original creditor's name, the date the debt was incurred, an itemized accounting of the amount owed, and proof that you are licensed to collect debts in my state. Until you provide this validation, cease all collection activities."

Once GLA gets your validation request, they must stop collection efforts until they send you proof. If they can't prove it, they have to drop the debt. If they keep calling anyway, you can sue them for FDCPA violations and potentially recover up to $1,000 plus attorney fees.

What If GLA Collections Sues You?

Debt collectors file lawsuits when they think they can win a quick default judgment. If you ignore the lawsuit, you lose automatically. The court will grant GLA a judgment, and they can garnish your wages or freeze your bank account.

You have one job: file an Answer with the court. This is a legal document that responds to the lawsuit and forces GLA to prove their case. Most people who file an Answer either get the case dismissed or settle for less than the original amount.

If you've been served with a lawsuit from GLA Collections, use our free tool to assess your options and file an Answer before the deadline. Once you respond, GLA has to produce evidence,the original contract, a payment history, proof they own the debt. Many can't. Debt buyers often lose in court when the debtor shows up and fights.

When to Report GLA Collections

If GLA Collections has violated the FDCPA, you can file complaints with federal regulators. Violations include:

• Calling you before 8 a.m. Or after 9 p.m. In your time zone
• Calling you repeatedly in a single day
• Contacting you at work after you told them not to
• Calling your employer, family, or friends about your debt
• Threatening you with arrest or legal action they can't actually take
• Failing to send you a written debt notice within five days of first contact
• Continuing to call after you requested they stop

Report violations to the Federal Trade Commission at ftc.gov/complaint or by calling 877-382-4357. Also file with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by calling 855-411-2372. Both agencies track patterns and can investigate collectors who break the rules. Your complaint might not result in immediate action, but it builds a record that can lead to enforcement.

You can also sue GLA Collections yourself in small claims court or with an attorney. If you win, the FDCPA allows you to recover actual damages (like lost wages or medical expenses caused by harassment) plus up to $1,000 in statutory damages. GLA also has to pay your attorney fees. Many consumer rights attorneys take FDCPA cases on contingency, meaning you don't pay unless you win.

Should You Pay GLA Collections?

That depends on whether the debt is valid, how much you owe, and what you can afford. If the debt is yours and GLA can prove it, you have three realistic options:

Negotiate a Settlement

GLA Collections bought your debt for a fraction of the balance. They'll often settle for 30% to 50% of what you owe, especially if the debt is old or you make a lump-sum offer. Call them at 502-267-7522 and ask to settle. Get any agreement in writing before you pay a dime. The letter should state the settlement amount, confirm that payment satisfies the debt in full, and promise they won't report the unpaid portion to credit bureaus.

Set Up a Payment Plan

If you can't pay a lump sum, GLA will usually agree to monthly payments. Make sure the plan is realistic. If you default, they can still sue you. Get the terms in writing, including the total amount, the monthly payment, and the number of payments. Never give them automatic access to your bank account unless you're confident you can keep the balance above zero.

Wait Out the Statute of Limitations

Every state has a statute of limitations on debt collection lawsuits. For medical debt, it's typically three to six years, depending on your state. Once that period expires, GLA can't sue you. They can still call and ask for payment, but they have no legal leverage. If the debt is old, check your state's statute of limitations before you do anything. Making even a small payment can restart the clock.

What Happens to Your Credit?

GLA Collections reports to all three major credit bureaus: Equifax, Experian, and TransUnion. A collection account can drop your credit score by 80 to 100 points and stay on your report for up to seven years from the date the original account first went delinquent.

Paying the debt doesn't remove it from your credit report. It updates the status from "unpaid" to "paid," but the collection entry remains. If you settle for less than the full amount, GLA might report it as "settled" or "paid for less than owed," which is slightly worse than "paid in full."

You can dispute inaccurate information on your credit report by filing a dispute with the credit bureaus. If GLA can't verify the debt within 30 days, the bureaus must remove it. This works best if the debt is old or if GLA lacks proper documentation.

If You're Drowning in Medical Debt, Bankruptcy Might Be the Answer

Medical debt is the leading cause of personal bankruptcy in the United States. If GLA Collections is one of several creditors calling you, and the total debt is more than you can realistically pay in the next few years, bankruptcy might wipe it all out.

Chapter 7 bankruptcy erases most unsecured debts,including medical bills, credit cards, and personal loans,in about four months. Chapter 13 gives you a three-to-five-year payment plan based on what you can afford, then discharges the rest. Both options stop collection calls immediately.

Bankruptcy isn't the right choice for everyone, but it's worth understanding your options. Our free bankruptcy screener takes less than two minutes and tells you whether Chapter 7 or Chapter 13 makes sense for your situation.

How to Contact GLA Collections

If you need to reach GLA Collections directly, call 502-267-7522 or mail correspondence to 2630 Gleeson Lane, Louisville, KY 40299. Their website includes a contact form, but it requires partial Social Security number verification, so use mail if you're disputing the debt or requesting they stop calling.

When you call, stay calm and take notes. Write down the representative's name, the date and time, and what was said. If they make threats or violate the FDCPA, those notes become evidence.

The Bottom Line

Calls from 502-267-7522 won't stop on their own. You have to act,either by demanding validation, sending a cease contact letter, or negotiating a settlement. If GLA Collections has already sued you, file an Answer before the deadline. Most people who respond to the lawsuit avoid a default judgment. If the debt feels insurmountable, bankruptcy might be the cleanest way out.

You're not helpless here. The law gives you tools. Use them.