GB Collects or GBC is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
GB Collects , LLC (GBC) is a third-party collection agency based in New Jersey that specializes in commercial debt collection. GBC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as using prohibited communication tactics and attempting to collect debts not owed. If GBC has contacted you about delinquent financial obligations, be sure you understand your rights before you take action.
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Is GB Collects a scam?
They’re legit. According to the Better Business Bureau (BBB), GB Collects, LLC was founded and incorporated in 2001.The BBB established a profile page for GBC in 2004.The BBB lists GBC as a collection agency. Buzzfile estimates GBC’s annual revenue at $4 million and the size of its headquarters staff at 45 employees.
According to its website, GBC “has succeeded in third-party collections for over ten years.” GBC employs a “highly trained staff to create… a sense of urgency to make sure delinquent customers hand over …money fast.” GBC states that itsprofessional staff“will…impress… clients with high a net-back and fast recovery rate.”
GBC is “flexible to every industry…but specializes in collecting commercial accounts” for property and casualty insurance companies; health and life insurance companies; wholesale and distribution companies; transportation companies; commercial property leasing management companies; and environmental services companies.
GB Collects utilizes a wide range of collection methods, including telephone interaction; step demand letters; skip-tracing processes; business structure investigation strategies; chain of command-hierarchy step programs; a “fast-trac” collection system; multiple payment options, including check-by-phone, fax, ACH, and mail; a suite of business credit products; “24/7/365 online access for …clients with on-demand reporting via Crystal Reports”; and a “24/7/365 online debtor payment portal.”
GBC also provides first-party collection services; collection training seminars; customized collection letter campaigns; and litigation management. Their website does not include any information about their regulatory compliance policies, and there are no links or references to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many Complaints are there against GB Collects?
The BBB has closed 2 complaints against GB Collects in the past three years, with 1 complaint closed in the previous 12 months. Both complaints alleged problems with billing and collections.As of July 2018, the Consumer Financial Protection Bureau (CFPB) has closed 7 complaints against GBC. Justia lists at least 3 cases of civil litigation involving GBC.
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely GBC would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against GB Collects?
Absolutely. Here are some Sample Complaints
Complaints against GB Collects cite problems resulting from disputes about the validity of debts and allegations of harassment. In July 2018, a complainant stated that “approximately 1 month” earlier, he had “received a letter from GBC …indicating that they were contacting him on behalf of their client, and claimed he owed their client for a bill from a year and half” previously. The complainant stated that he had “immediately contacted them…and disputed their claim. He asked for physical proof that he owed the debt, and they couldn’t provide any.” The complainant stated that he had been insured for 2 months and paid his bills.” However, he “became unemployed…but was able to get Medicaid, so he contacted his former employer, and cancelled his insurance. At that time, no one said he owed anything.” By the time he filed the complaint, the complainant stated that GBC was calling his “phone constantly and sends him letters in the mail.” He also said GBC “failed to provide him proof, and… asked them not to be harassed anymore, but GBC continues to do so.” GBC did not provide a public response to this complaint.
In February 2019, a complainant alleged that GB Collects continued “to call him and send him letters concerning a debt” that the complainant said he does not owe. Allegedly, GBC claimed he owed payment for an insurance premium for a previous month. However, the complainant stated that he had “terminated his policy” prior to that date“and… did not have any coverage with the insurance company thereafter.” He also said that he had “sent a copy of his Form 1095-A (Health Insurance Marketplace Statement) to GBC… to prove to them that he did not owe…any money.” Regardless, the complainant stated that “even though GBC does not have any proof of… coverage with the insurance company for the month in question … they keep harassing him through phone calls and letters.” GBC stated that they “believed the complaint is the result of a misunderstanding.”
In October 2018, a complainant stated that she had “received a call… from GB Collects during which …they told her that her … husband owed a medical bill from…2017.” The complainant “told them this was not possible” because they had no coverage or treatment at the time in question. The complainant stated that the GBC representative “continued to insinuate that she owed money and was probably in trouble. She asked for the social security number the medical bill was for, but he did not have that information. She told him that he was mistaken and… felt it was a scam.” GBC allegedly “tried calling once more,” but the complainant “did not answer,” especially because she had read “one other complaint… for repeated calling to seniors about debts not owed.” GBC stated that they “believed the complaint is the result of a misunderstanding.”
GB Collects Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Want to Stop Debt Collection Harassment Now?
You may have a case, if…
You are receiving multiple calls per week from third party collection agencies
You are receiving early morning or late night calls from debt collectors
You are receiving calls at work from a debt collection agency
Debt collectors are calling your friends, neighbors, or coworkers
Collectors are threatening you with violence, a lawsuit, or arrest
A debt collector attempts to collect more than you owe
You are being threatened with negative credit reporting
A debt collector attempts to intimidate you
Criminal accusations are being made towards you
Use of obscene language during an attempt to collect
Automated robocalls are being made to your phone in an attempt to collect
“I have to admit, I was not sure of y’all initially but you proved me wrong. You not only got the calls to stop but you have the company to dismiss the accounts once and for all! It had been more than I anticipated.”
“Prior to contacting you, we had tried repeatedly to handle this matter without threatening litigation. In the end, not only were they unapologetic, but they were dismissive – even of an attorney friend who called on our behalf. Sincerest thanks for resolving this matter for us!”
“Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
“Thank you and your team at Lemberg Law for the exceptional work you did on my behalf. I have never experienced the level of care, professionalism, timeliness in follow-through, and monetary compensation obtained through your firm.”
Can You Help Me Delete GB Collects from My Credit Report?
We can absolutely help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.
If this is a debt collection group I don’t know why they would be calling me. I don’t have any outstanding debts.