Genesis Credit Management Harassment?

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Genesis Credit Management Harassment?

Debts have a huge impact on people’s finances and their minds. When people get into debt, a lot of things follow; anxiety, fear, confusion, and calls from third-party debt collectors like Genesis Credit Management. If you’re in debt and are now receiving debt collection calls from Genesis Credit Management asking you to pay up, you should know that they are only doing their job. On the other hand, if they are beginning to harass and threaten you, they are violating your rights as a consumer and you should ask them to stop, and if they don’t, you are permitted to take legal action against them.

It is to prevent the harassment of consumers by debt collectors that the federal government added the Federal Debt Collection Practices Act (FDCPA) to the Consumer Protection Act in 1978. The act was a commendable step taken to protect consumers from the abusive collection activities and deceptive strategies being used to intimidate and coerce them into paying off a debt by several debt collection agencies.

Debt collectors who do not wish to have a lawsuit filed against them must act in accordance with the FDCPA (Fair Debt Collection Practices Act), which protects the rights of consumers in the context of debt collection. The Fair Debt Collection Practices Act makes provisions for consumers to receive compensations for the violation of their rights.  Under the FDCPA, consumers can be awarded up to $1000 and at times have the entire sum of their debt waved.

What is Genesis Credit Management legally allowed to do? 

  • They are allowed to collect on an expired debt
    By law, debts have an expiry date known as a statute of limitations. After this date, the debt is considered to be “expired” and a debt collector cannot take you to court over non-payment. However, you still owe the debt, and debt collectors can still call you over it, they, however, can’t sue you or threaten you with legal action.
  • Communicate with you
    While debt collectors are not allowed to harass you or mislead you, they are allowed to employ whatever ethical means they deem necessary to collect payment. This may include daily calls, frequent letters, or talk about pursuing a lawsuit for payment on the debt. This is all legal provided that they do not cross the line and begin harassing you.
  • Sue you for defaulting on a debt
    Genesis Credit Management can sue you for defaulting on your debts for a long time. If you don’t show up in court, they may have a default judgment leveled against you which may result in wage garnishment, bank levies, or both.
  • Sell your debt to another third-party debt collector
    Genesis Credit Management can resell your debt that they haven’t been able to collect to another third-party collector. So if Genesis Credit Management stops contacting you about a debt, another debt collector may pick up where they left off.
  • They can negotiate with you
    Most third-party debt collectors purchase debts for pennies on the dollar, they have flexibility in negotiating payment from a consumer. You may be able to negotiate a debt settlement that is less than the amount you originally owed. Again, get the agreement in writing, so you may avoid repaying an already settled debt.

Who is Genesis Credit Management?

Genesis Credit Management is a third-party debt collector located in Sunnyside, Washington. They have been a party to several federal cases based on their issuance of credit and collection of debts incurred on their credit cards.

Contact Information

Address: 7100 Evergreen Way, Ste C

Everett, WA 98203

Phone: (509) 836-5558

Is Genesis Credit Management a Scam?

According to the Better Business Bureau website, Genesis Credit Management has been in business for 10 years. There have been 24 complaints filed against GCM with the BBB. Read more about it here: Genesis Credit Management Better Business Bureau

Genesis Credit Management is often referred to or searched for by other names. These include:

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Genesis Credit Management Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

509-836-5558, 866-863-9194, (509) 836-5558, (866) 863-9194, 5098365558, 8668639194

If the answer is yes, then you are receiving calls from a known GCM number.  If you are receiving any form of harassment during these calls, do not hesitate to reach out to a qualified professional at 877-700-5790 for help.

The following is a sample list of complaints filed against Genesis Credit Management in the past year and can be found on Pacer.org.

1:15-cv-03193-SMJ Miller v. Genesis Credit Management

2:15-cv-01846-DLR Duong v. Genesis Credit Management LLC

2:15-cv-02198-JZB Cabanayan v. Genesis Credit Management LLC

14-cv-00105-TOR Stephens v. Genesis Credit Management, LLC et al

2:14-cv-00110-TOR Woods et al v. Genesis Credit Management LLC

About Us

Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Genesis Credit Management. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at (877)700-5790 for immediate assistance.

Check out the links below for more information:


Washington Attorney General

Consumer Finance




Genesis Credit Management
Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.