Settle Your Debt with GLA Collections: A Step-by-Step Guide

Facing a debt collection agency in court can feel intimidating. But with the right tools, you can successfully file your response. You can also work out a solution without going to court. Understanding debt collection lawsuits helps you communicate effectively with GLA Collections.

What Is GLA Collections?

GLA Collections operates as GLA Collection Company Inc. The debt collection agency is based in Kentucky. The company has been in business since 1974.

GLA Collections maintains offices across multiple states. You’ll find them in Indiana, North Carolina, South Carolina, Ohio, Virginia, and Tennessee. The company specializes in collecting medical debt.

GLA Collections reports uncollected debts to credit bureaus quickly. Reports indicate they notify credit rating agencies after just 60 days. Your credit score and overall credit health can take a hit.

Ready to settle your debt? You can call the GLA Collections phone number below:

• Phone number: (502) 267-7522
• Address: 2630 Gleeson Lane, Louisville, KY 40299
• Website: https://glacompany.com/

You can read GLA Collections reviews on the Better Business Bureau website. The Consumer Financial Protection Bureau also tracks customer complaints.

Who Does GLA Collections Collect For?

GLA Collection Company collects past-due medical debts for healthcare providers. Check your medical bills if you receive a call about unfamiliar debt. Your original creditor may have sold your account to GLA Collections.

How Do I Communicate with GLA?

GLA Collections contacts you when they believe you owe money. The best way to handle debt collection calls is to act immediately. You want to resolve the matter as soon as possible.

Protecting your financial health matters. Your ability to access favorable financing terms depends on it.

The company should provide proof of debt ownership when contacting you. Send them a debt validation letter if you need clarification. Their response should give you every detail about the debt. You’ll learn when the account opened and how much you’ve paid. The response includes the current balance, interest, and late fees.

GLA should close the account if the debt isn’t yours. They must delete any reports to credit bureaus.

You need a repayment plan if the debt belongs to you. You may set up a payment schedule with favorable installments. Another option is agreeing on a settlement amount.

Will GLA Collections Settle My Debt for Less?

Debt collectors aren’t required by law to accept settlements. They agree when it makes financial sense for them. You need valid reasons showing you cannot pay the full amount.

Prepare your argument before requesting a settlement. Prove you cannot pay the debt in full. Show that bankruptcy could mean they lose everything.

Take the following steps to negotiate a settlement:

1. Consider how large the debt is and review other past-due debts
2. Calculate how much you can afford to pay from savings and income
3. Approach GLA with your offer starting at 50% or 60%
4. Create a debt settlement letter to formalize the agreement

Working with our partner Solo can simplify the settlement process. The service handles negotiations online and documents everything legally. You can make payments privately and securely through their platform.

You can settle debt even after being served court papers. But you must act quickly.

What If GLA Collections Sues Me?

Never ignore correspondence, phone calls, or court summons from debt collectors. Ignoring a court summons can result in an automatic loss. The court wants to hear both sides of the story.

Without your response, the judge may issue a default judgment against you. GLA Collections will request wage garnishment to recover the judgment amount.

Respond to the debt collection summons by filing an Answer. Follow these three steps:

1. Respond to each claim against you
2. Assert your affirmative defenses
3. File the Answer with the court and send a copy to GLA Collections

Step 1: Respond to Each Claim Against You

A debt collection lawsuit begins when you receive summons and complaint documents. The summons notifies you of the case details. The complaint lists all claims against you.

The first section of your Answer should respond to each claim. Use one of these three responses:

• Admit
• Deny
• Deny due to lack of knowledge

Denying claims forces GLA to prove their case. Denying for lack of knowledge means you need clarification on the claim.

Step 2: Assert Your Affirmative Defenses

Your defenses explain why you should win the lawsuit. Only assert defenses that apply to your case. Examples of affirmative defenses include:

• The statute of limitations on the debt expired
• The creditor canceled the debt agreement
• You already paid the amount allegedly owed
• The alleged delinquent account doesn’t belong to you
• You didn’t receive notice for debt validation from the plaintiff

Affirmative defenses tell your side of the story using proper legal format.

Step 3: File the Answer and Serve GLA Collections

File the original Answer with the court after drafting it. Send a copy to the attorney representing GLA Collections.

Each court has unique filing requirements throughout the United States. Some courts only accept electronic filing. Others require additional documents filed with the Answer.

Serve the opposing attorney with your Answer copy. Send your Answer to GLA Collections’ lawyer using USPS-certified mail. Request a return receipt.

Filing the Answer is just the beginning. The court will set hearing dates you must attend. Continue engaging GLA Collections to negotiate a settlement deal. They should withdraw the lawsuit if they accept your offer.

The debt collector will present a settlement agreement for both parties to sign. Our partner Solo makes negotiating settlements easier by centralizing all communication and documentation.

The FDCPA Protects Your Consumer Rights

The Fair Debt Collection Practices Act is a federal law regulating debt collectors. The FDCPA sets forth specific prohibitions on certain collection tactics.

The law prohibits abusive or threatening language by debt collectors. Acts of harassment are forbidden. Using false or misleading information to collect debt is illegal.

Consumers have additional statutory protections beyond the FDCPA. The Fair Credit Reporting Act governs how agencies report delinquent debts. The Telephone Consumer Protection Act regulates calling practices. The Consumer Financial Protection Act provides broader consumer protections.

Understanding these laws helps you recognize violations. You have legal rights when dealing with GLA Collections.