How to Resolve a Debt with Gulf Coast Collection Bureau

Hannah Locklear | August 23, 2023

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: If Gulf Coast Collection Bureau is contacting you about a debt, SoloSuit is here to help you resolve it, whether it’s through debt validation, responding to your debt lawsuit, or settling the debt before your court date.

If you've received a notice from the Gulf Coast Collection Bureau (GCCB) or any other collection agency, it might seem daunting at first. Many questions can arise: Why am I receiving this? How do I handle it? Can I negotiate the debt? This article will help guide you through the process of resolving a debt with GCCB.

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What is Gulf Coast Collection Bureau?

Gulf Coast Collection Bureau is a debt collection agency specializing in receivable management for healthcare providers. So, if you owe a medical debt — whether it’s brand new or years old — there is a chance that you’ll be contacted by Gulf Coast Collection Bureau.

Gulf Coast Collection Bureau is accredited by the Better Business Bureau with an B rating as of 2023. Despite its decent BBB rating, Gulf Coast Collection Bureau has received several complaints submitted to both the BBB and the Consumer Financial Protection Burea’s consumer complaint database. You can read some of these complaints below:

Most of the complaints against Gulf Coast Collection Bureau involve attempting to collect a debt that is invalid and failing to provide debt validation when requested. As a consumer, you should know that you have rights under the Fair Debt Collection Practices Act (FDCPA) that requires debt collectors to validate your debt before taking any other collection actions against you.

Keep reading to learn more about how to request a debt validation.

Make Gulf Coast Collection Bureau validate your debt

First things first. Before you engage in any kind of settlement or payment agreement, you need to verify that your debt is legitimate. To do this, you should:

  • Send a Debt Validation Letter. Within five days of their first contact, the GCCB should send you a written notice detailing the debt. This will include the amount you owe, the name of the creditor, and how to dispute the debt. If you don’t receive debt validation, you should request it yourself by sending a Debt Validation Letter.
  • Check the statute of limitations. Each state has a statute of limitations that dictates how long a creditor has to collect a debt. If your debt is old, it might be past the statute of limitations, meaning the GCCB legally can't sue you to collect it. However, acknowledging the debt or making a payment can reset this timer, so be cautious.

Here is the contact information for Gulf Coast Collection Bureau:

Address: P.O. Box 987, Tallevast, FL 34270
Phone: 855-529-2671
Email: customerservice@gulfcoastcollection.com

Respond to a debt lawsuit

If the debt is valid and within the statute of limitations, you might consider negotiating with GCCB. But first, be sure to respond to any legal action they may have taken against you.

If you get sued for medical debt, the first step you should take is to respond to the lawsuit before your state’s deadline. To respond to a debt lawsuit, you have to draft and file an Answer into the case. In your Answer, you should:

  • Respond to each claim against you.
  • Assert your affirmative defenses.

SoloSuit can help you draft and file a customized Answer to your debt lawsuit in minutes and increase your chances of winning. Our software helps you create a personalized response to your debt case, helping you avoid losing automatically by default judgment. All you have to do is respond to a series of questions about your case, and an Answer document will be generated for you.

Your Answer will be properly formatted, contain appropriate legal language, address all the claims against you, and include a section for your affirmative defenses.

Settle your debt with Gulf Coast Collection Bureau

Once you’ve filed an Answer, you’ve bought yourself time to negotiate a debt settlement. Here are some of your options for settling your debt with Gulf Coast Collection Bureau.

  • Lump-Sum Settlement: Offering a lump sum (which is often less than the full amount owed) to settle the debt once and for all can sometimes be effective.
  • Payment Plan: If you can't pay a lump sum, you may negotiate a monthly payment plan. Ensure the agreed-upon terms are realistic for your budget.

Once you've reached an agreement with GCCB, you should ask for a written agreement that outlines the terms you've agreed upon. Don't make any payments until you have this in hand. Finally, be sure to follow through on your end and make all payments as agreed upon. Late or missed payments can nullify your agreement.

As a part of your agreement, ensure the account is updated to show "paid" or "settled" on your credit report and that the balance is zero. Dispute any inaccuracies If your report hasn't been updated or if there are errors. You can do so by filing a dispute with the credit reporting agency.

To learn more about how to settle your debt, check out this video:

SoloSettle, powered by SoloSuit, is a tech-based approach to debt settlement. Our software helps you send and receive settlement offers until you reach an agreement with the collector. Once an agreement is reached, we’ll help you manage the settlement documentation and transfer your payment to the creditor or debt collector, helping you keep your financial information private and secure.

Navigating the waters of debt collection can be challenging, but by staying informed and proactive, you can resolve your debts and move forward with financial confidence. Remember, while the above tips are tailored to dealing with the Gulf Coast Collection Bureau, many of these principles can apply when dealing with any collection agency. If in doubt, always consider seeking advice from a financial advisor or attorney.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

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The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

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