Start My Answer

Settle Your Debt with GLA Collections

George Simons | January 21, 2025

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

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: GLA Collections is a debt collection agency specializing in medical debt collection. If GLA Collections has contacted you, don’t ignore it. You can seamlessly communicate with the company’s representatives using SoloSuit to request debt settlement.

Facing a debt collection agency in court can be intimidating. But with the right tools, you can successfully file your response and work out a solution out of court. This article explains how to achieve that and everything you need to know about debt collection lawsuits and communicating with GLA Collections.

Settle debt with GLA Collections

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

What is GLA Collections?

GLA Collections, legally known as GLA Collection Company Inc., is a debt collection agency based in Kentucky. The company has been in business since 1974. In addition to its main operation in Kentucky, GLA Collections has offices in Indiana, North Carolina, South Carolina, Ohio, Virginia, and Tennessee. The company specializes in the collection of medical debt.

GLA Collections is also known for quickly reporting an uncollected debt to the big credit rating agencies in an effort to impact a consumer’s credit score and overall credit health. For example, it has been reported that GLA Collections will notify the big credit rating agencies if they fail to collect on a debt after 60 days.

Ready to settle your debt? You can call the GLA Collections phone number or use their other contact information below:

You can read GLA Collections reviews on the Better Business Bureau website or the Consumer Financial Protection Bureau (CFPB).

Who does GLA Collections collect for?

GLA Collection Company, Inc. collects past-due medical debts for healthcare providers. Check your medical bills if you received a call from GLA for a debt you do not recognize. Your original creditor may have sold your account to the collection company.

How do I communicate with GLA?

GLA Collections contacts you if they believe you owe their client money and are late on the payment. The best way to deal with debt collection calls and letters is to act on them. You want to resolve the matter as soon as possible to protect your financial health and ability to access financing with favorable terms.

The company should provide proof of the debt ownership when they contact you. If you need clarification on whether the debt is yours, send them a debt validation letter. Their response to the letter should give you every detail about the debt, including when the account was opened, how much you have paid, how much you owe, and how much the interest and late fees are.

The video below explains how to create a Debt Validation Letter.

If you determine that the debt is not yours, GLA should close the account and delete any reports to the credit reporting bureaus. However, if the debt is yours, you need to devise a plan with the company to repay. You may set up a repayment plan with favorable installments or agree on a settlement amount. The next section discussed how to settle debt with GLA Collections.

Will GLA Collections agree to settle my debt for less?

Debt collectors and creditors are not obligated by law to accept debt settlement. They do so when they feel it is the right decision and you have valid reasons. Before requesting a settlement, you should prepare your argument to prove you cannot pay the debt, and the creditor may lose it all if you go bankrupt.

Take the following steps:

  1. Consider how big the debt is. Also, take into account other past-due debts you have. Putting everything in perspective allows you to plan better.
  2. Calculate how much you can afford to pay. You should evaluate your finances, looking at your savings and any additional funds you can raise from your regular income or by disposing of items you do not need.
  3. Approach GLA with your offer. You may start at 50% or 60% with room for negotiations.
  4. Create a Debt Settlement Letter.

SoloSettle can demystify and handle the process for you. You answer a few questions, and the app generates an offer. All negotiations occur online, and when you reach an agreement, it will be properly and legally documented to avoid future disputes. You can also make all your payments, privately and securely.

You can settle a debt even after you are served court papers. But you must act fast. In the next section, learn what to do when facing a debt collection lawsuit.

Settle with SoloSettle

Make an Offer

To learn more about how to settle your debt with GLC Collections, and for tips on how to negotiate with debt collectors in general, check out the following interview with a licensed attorney with years of experience negotiating with collectors to settle debt:

What if GLA Collections sues me?>

Keep up with the correspondence, phone calls, and (especially) court Summons from the debt collection agency. If you bury your head in the proverbial sand and ignore a debt collection court Summons, you may automatically lose your case. Remember, the court does not carry the burden of proof. It is more concerned about GLA presenting their claims and you bringing your counterarguments with evidence. Without your side of the story, the judge may have no choice but to issue a default judgment against you.

As a result, GLA Collections will likely request the court to enter an order allowing the agency to initiate wage garnishment to recover the judgment amount.

To prevent this from happening to you, respond to the debt collection Summons filed by GLA Collections by filing an Answer.

Follow these three steps to Answer a debt lawsuit against GLA Collections:

  1. Respond to each claim against you.
  2. Assert your affirmative defenses.
  3. File the Answer with the court and send a copy to GLA Collections.

Now, let’s break down each of these steps a little further. Don’t like reading? Check out this video instead:

1. Respond to each claim against you

A debt collection lawsuit begins when you receive the Summons and Complaint documents.

The Summons notifies you of the case and the case details. The Complaint (also known as a Petition in some states) lists all the claims against you. The first section of your Answer should focus on responding to each claim in the Complaint.

Use one of the following answers to respond to each claim:

  • Admit
  • Deny
  • Deny due to lack of knowledge

When you deny claims, you are, in effect, asking GLA to prove it. Denying for lack of knowledge means you do not understand the claim and would need clarification.

Respond to GLA Collections claims in minutes online.

2. Assert your affirmative defenses

Your defenses are the reasons you believe you should win the lawsuit. You should assert only the defenses that apply in your case. Examples of affirmative defenses include the following:

  • The statute of limitations on the debt expired
  • The creditor canceled the debt agreement
  • You already paid the amount allegedly owed
  • The alleged delinquent account does not belong to you
  • You did not receive a notice for debt validation from the plaintiff

Asserting your affirmative defenses is like telling your side of the story using legal wording and formatting.

SoloSuit can help you make the right defense the right way.

3. File the Answer with the court and send a copy to GLA Collections

Once you’ve drafted your Answer with your responses and affirmative defenses, you must file the original copy with the court and send a copy to the attorney representing GLA Collections.

Each court throughout the US has unique filing requirements. For example, some courts only accept documents through electronic filing. Others require additional documents to be filed with the Answer. SoloSuit has done the heavy lifting to determine your court’s conditions and requirements, so you don’t have to if you use our Answer document.

After filing, serve the opposing attorney with a copy of your Answer. Send your Answer to GLA Collections’ lawyer using USPS-certified mail with a return receipt requested.

Filing the Answer is only the beginning. The court will set hearing dates, which you should attend. In the meantime, continue engaging GLA Collections to strike a settlement deal. If they accept your offer, they should be willing to withdraw the lawsuit. The debt collector will also present a Debt Settlement Agreement for both of you to sign.

You do not open a credit account hoping to end up in collections. However, if that happens, there is still time to negotiate a way out with the debt collector. After confirming the account details, communicate regularly with GLA Collections. Debt settlement may be viable if you raise a substantial percentage of your debt. Remember, you can still settle debt after GLA has filed a lawsuit.

SoloSettle makes negotiating settlements less, tracking communication, and finalizing the settlement easy by putting everything in one place.

The FDCPA ensures your rights as a consumer

The FDCPA is a federal law designed to regulate the actions of debt collection agencies. The FDCPA accomplishes this objective by setting forth specific prohibitions of certain types of collection tactics. For example, the FDCPA prohibits the use of abusive or threatening language by a debt collector when communicating with a consumer, as well as acts of harassment or the use of false or misleading information in an effort to collect on a debt.

Learn more about how the FDCPA can protect you from debt collectors like GLA Collections.

In addition to the FDCPA, consumers have statutory protections under the Fair Credit Reporting Act (FCRA), the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). For example, the FCRA contains specific regulations governing how debt collection agencies like GLA Collections can report delinquent debts to credit reporting agencies.

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources

Contents