Glass Mountain Capital Harassment
Perhaps you receive intrusive calls from Glass Mountain Capital. Perhaps their representatives have threatened to have you arrested or thrown in jail if you do not pay up. Glass Mountain Capital debt collection is a licensed third-party collector, and what this means is that they have the right to put calls through to you. If you currently find yourself on the receiving end of a string of harassing calls from Glass Mountain Capital, then read on because this post was made for you.
We all know that the consequences of debts can be quite dire. Debts affect people in different ways, from their relationships to their social lives, and even their mental health can get affected. Another thing that makes having debt more stressful is the frequent encounters you are forced to have with debt collectors like Glass Mountain Capital.
Debt collection representatives are people who represent debt collection agencies and try to get you to pay your debts. Debt collectors are not the actual people you owe, they just got assigned by the company you owe to pursue the debt. According to the Federal Trade Commission, people complain about debt collectors more than any other business service. This is because debt collectors usually cause consumers a lot of unease and discomfort. Many people complain about the never-ending calls and messages from them and how uncomfortable it makes them feel. If you’re being harassed by capital collections, you should know about your rights under the FDCPA.
The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If capital collections violate the FDCPA, you can sue them in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recovering statutory damages of up to $1,000, plus attorney fees and court costs.
Your rights under the FDCPA
The Fair Debt Collection Practices Act is a federal law that protects your consumer rights regarding debts and the debt collection process. The FDCPA only applies to the collection activities that happen between third-party debt collectors and debtors.
Harassment of any sort from debt collectors is forbidden by the FDCPA. According to the FDCPA, glass mountain collections cannot engage in any of the following practices:
– Calling you many times a day.
– Calling you at odd hours (before 8 am and after 9 pm)
– Disclosing your debt information to a third party.
– Calling your place of work after you have told them that it isn’t allowed.
– Employing deceptive methods in a bid to get you to pay your debts.
– Harassing and threatening you.
– Using profane and obscene words on you.
– Disregarding your letter asking them to cease further contact with you.
– Refusing to give details like their name, address, and entity they represent.
– Contacting you after you have asked them to only speak with your attorney.
– Lying to you about a debt.
If glass mountain LLC does any of the above to you, they may have violated your consumer rights under the FDCPA, and you have a year to file a complaint against them. You stand a chance of receiving up to $1, 000 in statutory damages alongside additional fees.
Does Glass Mountain Capital report to credit bureaus?
Legally, Glass mountain capital is within their rights if they report your debt to any of the credit reporting bureaus. There, however, are laws that govern what can be reported and prevent debt collectors like Glass Mountain Collections from misusing your credit information. The laws also prohibit them from trying to get you to pay up by threatening to destroy your credit. These set of laws are what is known as the Fair Credit Reporting act.
Disputing the debt
More than half of the consumers who receive a call from Glass mountain capital or many other debt collection agencies frequently complain that they do not owe the debt they are being contacted over. Of all the Glass Mountain Capital complaints that we receive, “Glass Mountain Capital keeps calling me when I do not remember owing a debt,” seems to be the most prominent one.
This is quite surprising since the law clearly states that Glass Mountain Capital LLC must provide you with certain information regarding the debt they are contacting you to collect. The information should reveal:
- The name of the original creditor to whom the money is owed
- The amount you owe
- Information about your right to dispute the debt
If you do not get this information during the first debt collection call, then it must be sent within 5 days from the date of the first debt collection call you received from a Glass Mountain Capital phone number. If you don’t think the debt belongs to you, or you do not agree with the amount stated there, then you have a right to dispute the debt.
To dispute the debt, you must do so in writing within 30 days. The Glass Mountain LLC will provide further verification of the debt to prove that it is indeed yours.
During this time (while the debt is still being verified), it is against the laws of the FDCPA for a Glass Mountain Capital debt collector to try to contact you regarding the repayment of the debt in question.
What happens if you do not write to Glass Capital within 30 days?
If you do not dispute the debt within the 30-day time period, then you may lose your right to dispute the debt at all, and Glass Mountain Collections may legally assume that the debt is indeed yours.
To respond to Glass Mountain Capital, it is best advised to contact an attorney or to use one of the sample letters prepared by the CFPB for that purpose. An attorney will be in a better position to look out for your rights and to ensure that the debt collection process goes smoothly.
As we mentioned earlier, you have only 30 days to dispute a debt or part of it. 30 days isn’t a lot of time. If you are confused about the process, then we advise you to contact a debt collection attorney to guide you through the process.
You can call our A+ accredited firm at (877)-700-5790.
What is Glass Mountain Capital?
Glass Mountain Capital is a third-party debt collector located in Schaumburg, Illinois. They have been sued in federal court over 70 times for violating consumer’s rights while collecting on alleged debts. Among the numerous alleged violations, glass mountain llc has been sued for harassing consumers when it is illegal to do so, and repeatedly calling consumers who have filed for bankruptcy.
Who does Glass Mountain Capital collect for?
Glass Mountain Capital are debt buyers who also collect debts for clients across a wide range of industries. Notable among the people Glass Mountain Capital collects for are medical agencies, educational institutions, Fintech companies, consulting firms, Government and commercial agencies, Auto dealers, and retail chains.
Address: 1930 Thoreau Dr N Ste 100
Schaumburg, IL 60173-4179
Phone: (877) 214-0276, 8447050025, 630-332-9677, 844-705-0025
Fax: (847) 925-1585
Is glass mountain capital legit?
According to the Better Business Bureau website, Glass Mountain Capital has been in business since 2005. There have been 24 complaints closed in the last 3 years and 2 complaints closed out in the last 12 months. Read more about it here: Glass Mountain Capital Better Business Bureau
Glass Mountain Capital Phone Harassment
In the process of Glass Mountain Capital debt collection, several things could go awry. Apart from the possibility of getting intimidated, threatened, or tricked into taking certain actions, Glass Mountain Capital phone harassment is a very common occurrence among consumers who have made complaints about the agency to the Better Business Bureau.
There is a body of laws that govern the conduct of debt collectors conducting business over the phone. This set of laws are known as the TCPA, or the Telephone Consumers Protection Act. According to the TCPA, Glass Mountain Capital phone harassment is completely illegal and thus, should never be tolerated by you. The TCPA further lays some ground rules for communication that will happen between you and the debt collection agency responsible for handling your debt.
First of all, the TCPA stipulates that any person or organization that intends to use an auto dialer or pre-recorded message to contact you (especially to advertise their services) must first identify themselves by stating their name, the name of the organization that they represent, their contact address, and a working phone number through which they can be contacted. All this information must be given to you at the beginning of the call.
Glass Mountain Capital phone harassment may also take the form of text messages and emails. Although Glass Mountain Capital is not obligated to notify you before they contact you over your unpaid debts, they are obligated to seek your permission before sending you any sort of promotional materials. Only a few exceptions such as debt collection calls, delivery notifications, and appointment reminders are exempted from this rule. Therefore, if Glass mountain capital LLCis calling you illegally for purposes apart from debt collection, you may have a case of phone harassment against them.
The TCPA also prohibits the use of auto-dialers and prerecorded voice messages programmed to contact your devices to deliver a recorded message. Capital mountain is also not allowed to charge debt collection calls to you.
If a bank, debt collector, or telemarketer fails to comply with these laws, you may be entitled to a compensation of $500 for each violation. That is $500 for each instance of a violation of the TCPA by glass mountain collections. Remember that it is your right to be free from Glass Mountain Capital phone harassment, as your rights are protected by the TCPA as well as the FDCPA. Glass Mountain Capital’s Debt Collection process will go a lot smoother if they adhere to the rules contained in these Acts.
Glass Mountain Capital Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
847-241-4243, 877-214-0276, 877-208-9952, 877-470-0374, 877-208-9952, 602-585-9026, 630-332-2064, 610-347-9615, 213-785-6879, 216-282-9026,484-616-9076
If so, you may be a victim of Glass Mountain Capital phone harassment. 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 Glass Mountain Capital and can be found on Pacer.org.
2:18-cv-01327-NJ McCotry v. Glass Mountain Capital LLC
7:17-cv-09243-VB Macias v. Glass Mountain Capital, LLC et al
2:17-cv-07998-JLL-SCM CLYBURN v. GLASS MOUNTAIN CAPITAL, LLC et al
8:16-cv-02887-EAK-MAP Moya v. Glass Mountain Capital LLC
2:16-cv-12643-GCS-DRG Charini v. Calvary Portfolio Services, LLC aka Calvary SPV I, LLC et al
ABOUT CONSUMER RIGHTS LAW FIRM, PLLC
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 Glass Mountain Capital. 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:
Consumer Financial Protection Bureau