Genesis Credit Management LLC 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.
What is Genesis Credit Management?
Genesis Credit Management or GCM is a third-party collection agency based in California. Genesis Credit Management has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as failing to provide written verification of debts and attempting to collect debts not owed. If GCM has contacted you about past due collection items,make sure you understand your rights before taking action.
Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.
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The harassing company pays our fees.
Is Genesis Credit Management a scam?
They’re legit. According to the Better Business Bureau (BBB), Genesis Credit Management LLC was founded in 2008 and incorporated in 2013. The BBB established a profile page for GCM in 2006. The BBB lists Genesis Credit Management as a collection agency. Buzzfile estimates Genesis Credit Management’s annual revenue at $239,201 and the size of its headquarters staff at 2 employees.
Who does Genesis Credit Management collect for?
Genesis Credit Management specializes in apartment lease collections, which their website calls the “multi-family industry.” Their collectors are trained in “Landlord Tenant” law. They promise to help creditors take back control of delinquent accounts using “forward-thinking, solutions-based services,” and cutting-edge technology by a “management team of seasoned professionals.” They promise nationwide skip-tracing and prompt credit bureau reporting of delinquent debts.
Their website does not mention any consumer protection resources such as the Fair Debt Collection Practices Act (FDCPA); there are no links or references to outside sources for consumers concerned about their rights under debt collection or real estate and housing laws. The Contact page uses a web-based form but does not inform site visitors of their rights under the FDCPA or any other laws.
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.
Can Genesis Credit Management Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely GCM 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.
How many complaints are there against Genesis Credit Management?
Most of the debt collection activity at Genesis Credit Management results from allegedly unpaid rental and lease agreements. Most of the complaints contain statements about rude, hostile, or abusive customer service or mistakes and inaccuracies in the documentation of billing details. As of August 2017, the Better Business Bureau lists a total of 19 closed Genesis Credit Management complaints, four of them in the past year. Of the 8 customer reviews left on the BBB site, 7 are negative. The BBB has given them a score of B. Justia lists at least 4 legal filings identifying Genesis Credit Management, LLC as the defendant.
Can you help me file a No Fee Lawsuit against Genesis Credit Management?
Absolutely. Here are some Sample Complaints
In February of 2017, a former tenant of an apartment was contacted by Genesis Credit Management two years after signing over her lease agreement to a new tenant and moving out. The complainant was told she owed $1,610.29 and was subjected to verbal abuse and threats of damage to her credit score. She did not receive documentation of the bill for several months. When she did finally receive a bill, the original amount owed of $1388.00 had increased to $1,694.75. The complainant requested that Genesis provide documented evidence that she owed the bill. Genesis ultimately received confirmation from the original rental company that the complainant had legally signed over the lease and did not owe any money; thus, Genesis had violated several consumer protection laws in this example.
Other complaints indicate that GCM representatives on more than one occasion have made unwanted called to debtors at work; used abusive language and threats; and have tried to collect debts without sending documentation or without having verification.
Here are some past Press Releases of Lawsuits Brought On By Lemberg Law Against Genesis Credit Management LLC
November 3, 2015. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, District of Arizona. The case, against Genesis Credit Management, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages, plus other relief.
Most people experience some level of stress when they’re at work. Either they’re facing a deadline, feeling pressure to increase their productivity, or feeling that they haven’t yet mastered the work-life balance. That stress increases exponentially when a debt collector starts calling the workplace. Yet that’s what our client says happened when Genesis Credit Management started relentlessly calling her, and then started calling her at work. By that time, she had already engaged us to represent her, so our client told the Genesis Credit Management debt collector that she had an attorney.
At that point, the law-abiding thing to do would have been for the Genesis Credit Management debt collector to end the call, and to call us. Instead, the debt collector said that he wouldn’t contact us, and instead tried to convince our client to pay the debt.
Before ending the call, our client says that the Genesis Credit Management debt collector insinuated that they were going to garnish her ways, stating that they were going to get their payment “either way.”
This lawsuit charges that Genesis Credit Management violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by contacting our client knowing she was represented by an attorney; by using false, deceptive, or misleading representation in connection with the collection of a debt; by implying that nonpayment of the debt would result in garnishment; by threatening to take legal action without actually intending to do so; and by failing to send a validation notice.
September 22, 2015. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, District of Arizona, against Genesis Credit Management that charges the debt collection agency with violating federal law and that asks for $1,000 in statutory damages.
Imagine getting seemingly endless debt collection calls about a debt that you’re not able to pay. No one imagines being the victim of debt collector abuse. Yet that’s what our client says happened when Genesis Credit Management called him. Our client says he told the debt collector that he wasn’t able to make a payment, and then the debt collector suggested that our client break the law by using his mother’s credit card without her permission in order to make a payment. When our client said no, he reports that Genesis Credit Management threatened him with legal action if he didn’t make a payment immediately.
The lawsuit charges that Genesis Credit Management violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by using false, deceptive, or misleading representation in connection with the collection of a debt; by threatening to take legal action without actually intending to do so; and by using unfair and unconscionable means to collect a debt.
Genesis Credit Management 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).
Can I sue GCM for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal 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 Genesis Credit Management Debt Collection Harassment Now?
“We were so impressed with how the attorney listened to us and understood the position we were in. Thank you for stopping the calls. The check was a nice bonus, but mostly we’re glad we’re not being hounded anymore.”
“Lemberg Law contacted me within a couple of hours of me submitting my info on their site. That same day Daniel emailed me instructions on what to do the next time the collection agency called. Within a week, the calls had stopped. Today marks week 2 and we’ve not had a call in three days. I can’t say thank you enough.”
“I can’t praise your service enough. I was lost and just really wanted my credit report cleaned up. You have gone beyond my expectations. Thanks again!”
Can You Help Me Delete Genesis Credit Management from My Credit Report?
In short, odds are good we can. Call us to today and we’ll tell you how we can help.
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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.