Start My Answer

Is Glass Mountain Capital Legit? How to Settle Your Debt

George Simons | January 24, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

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: To settle debt with Glass Mountain Capital, start by calculating how much you can afford to pay. Make an offer to settle for less, negotiate terms, and get the agreement in writing. Use tools like SoloSettle to simplify the process and finalize payment securely.

Yes, Glass Mountain Capital is legit. It’s a debt collection agency that gets hired to collect unpaid debt accounts.

If you are being contacted by a collection agency such as Glass Mountain Capital (GMC), then consider taking proactive steps to engage with GMC to try and resolve your debt issue. For example, you could establish a channel of communication with a debt collector from GMC and try to negotiate a debt settlement.

Settle debt with Glass Mountain Capital

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

Settle with SoloSettle

What is Glass Mountain Capital?

Based in Schaumburg, Illinois, and Buffalo, New York, Glass Mountain Capital is a national accounts receivables and collections company. In other words, GMC is a debt collection agency.

If you need to reach Glass Mountain Capital to discuss your debt, give them a call at the Glass Mountain Capital phone number:

  • Phone number: 877-214-0276 (Toll Free)
  • Address: 1375 E Woodfield Rd, Suite 400 Schaumburg, IL 60173
  • Email: info@glassmountaincapital.com
  • NMLS ID: 1029427

Who does Glass Mountain Capital collect for?

Glass Mountain Capital serves a diverse range of industries collecting non-serviced debt. For example, Mountain Capital collects for companies in the following industries:

  • Utilities
  • Government
  • Commercial
  • Retail
  • Banks/Credit Unions
  • Auto
  • Debt Buyers
  • Medical
  • Education
  • Fintech
  • Consulting

You have rights to protect you from unfair debt collection

The Fair Debt Collection Practices Act (FDCPA), enacted in 1977, protects consumers from mistreatment and harassment by debt collectors like Glass Mountain Capital.

When consumers complain about a collection agency for violating the FDCPA, the company must rectify its mistake or suffer the consequences, including paying the debtor non-economic damages or forgiving the debt.

FDCPA guidelines state that Glass Mountain Capital cannot:

  • Call you to discuss a debt before 8 a.m. or after 9 p.m.
  • Tell your family, friend, or colleagues about your debt
  • Ignore your debt validation letter
  • Threaten to report you to law enforcement
  • Report a wrong debt on your credit report
  • Fail to identify themselves when they contact you
  • Pretend to be a police officer, government agent, etc.

If Glass Mountain Capital violates these rights, submit a complaint against them on their BBB profile and CFPB website. You can also report them to the Fair Trade Commission website and your state’s attorney general's office.

Send a debt validation letter to Glass Mountain Capital

It may be your first instinct to ignore Glass Mountain Capital when they contact you for the first time, but this can actually worsen the situation. Instead, confront debt collectors when they contact you by phone, email, text message, or social media.

To begin, verify that the debt collector and the debt are legitimate under Title 15 of the United States Code, Section 1692g. Under this rule, you have the right to demand that Glass Mountain validate the debt for accuracy, and all collection efforts must cease while it's being investigated.

Glass Mountain Capital may not give you the following information the first time it contacts you, so you must send them a debt validation letter within the first 30 days to learn more:

  • The debt collector details
  • Get the debt collector's address and phone number
  • Amount due
  • Details of the original creditor
  • Your options for disputing or verifying the debt

Let’s look at an example.

Example: Kara started receiving phone calls from Glass Mountain Capital regarding an old utility bill she didn’t believe she owed. She wrote a debt validation letter and send it to GMC. As it turns out, the bill belonged to the tenants in an apartment after Kara had moved out at the end of her lease. She provided the dates of her lease and demanded that Glass Mountain Capital stop contacting her for the debt. She periodically reviews her credit report to ensure it does not appear there and knows she can dispute it with the credit reporting agency if it does.


Learn more about how a debt validation letter can help you beat GMC in this video:

Respond to a Glass Mountain Capital lawsuit

If Glass Mountain Capital has already sued you, you should have received court documents informing you of the lawsuit. These documents are called the Summons and Complaint (also known as a Petition in some states). The Summons is your official notification of the lawsuit, while the Complaint lists the specific claims that GMC is making against you.

Failure to respond to the Summons and Complaint within your state’s deadline will lead to a default judgment against you in most cases. With a default judgment granted by the court, Glass Mountain Capital can seize your property and garnish your wages to get the money back.

There is a decent chance that either 1) you do not owe the debt in question, or 2) the debt amount is incorrect. So, if you don’t fight back against the case, you may be submitting your income to GMC unfairly.

Avoid a default judgment and respond to your Glass Mountain Capital lawsuit with a written Answer. Follow these three steps when making your Answer:

  1. Answer each claim listed in the Complaint.
  2. Assert your affirmative defenses.
  3. File the Answer in court, and send a copy to Glass Mountain Capital.

You can draft and file your Answer in all 50 states with SoloSuit.

Below, we’ll break down each of these steps in detail. You can also check out the following video to learn more about each step:

1. Answer each claim listed in the Complaint

Carefully read the Summons and Complaint and all papers you were served. You, the (defendant), should respond to all the claims listed by the plaintiff (Glass Mountain Capital).. So, the first section of your Answer should be your responses to each numbered claim, in corresponding order.

You can reply to each claim with one of the following responses:

  • Admit
  • Deny
  • Deny due to lack of knowledge

When you admit, it’s kind of like saying that the claim is true exactly as stated. When you deny, it’s like saying, “Prove it.” Denying due to lack of knowledge is the same thing as stating, “I don’t know.”

Most attorneys recommend that you deny as many claims as possible, especially if you aren’t 100% sure that the claim is factual.

Respond the right way with Solo.

2. Assert your affirmative defenses

An affirmative defense allows you to point out to the court some of the salient defects in Glass Mountain Capital's case. In the next section of your Answer, you should focus on asserting your affirmative defenses to build yourself a stronger case. Remember that in a debt collection lawsuit, it is the debt collector's responsibility to prove that you owe the debt in full.

There is a good chance that you will prevail in the lawsuit over Glass Mountain Capital if they do not have the necessary evidence to prove their claims. As an affirmative defense, consider the expiration of the statute of limitations. A statute of limitations specifies how long Glass Mountain Capital has to take legal action against you.

Make the right affirmative defense the right way with SoloSuit.

3. File the Answer in court, and send a copy to Glass Mountain Capital

You have up to 35 days to file the Answer before a default judgment will be entered against you. If this happens, GMC can garnish your wages and put liens on your properties. You can send the Answer to the court via mail, drop it off in person, or file it electronically (this option is only available in some courts). After you've filed the Answer in court, make a copy and send it to GMC’s lawyer. Make sure to request a return receipt, so you have proof that you sent it.

SoloSuit can file your Answer for you in all 50 states.

Settle your debt with Glass Mountain Capital

Glass Mountain Capital's goal is to close accounts as quickly as possible, and timely payment is important to them. GMC is eager to help you get back on track if your account is in pre-collection status. If you are deeper into debt, they may agree to a payment plan or a lump sum payoff as an option.

You can negotiate on your own, but dealing with an aggressive debt collector, especially one who uses aggressive legal tactics, is stressful. But if you use SoloSettle, you can be sure that all the necessary legal language is included in your offers. SoloSettle's software sends and receives debt settlement offers until an agreement is reached between you and Glass Mountain Capital.

Check out the following video where we interview Yale Levy, a former debt collection attorney and president of the National Creditors Bar Associate, to learn more about how you can settle your debt with Glass Mountain Capital:

Be sure to file an Answer to your lawsuit first, even if you plan to settle. However, remember that filing an Answer is only the first step to responding to a Summons for debt. You must attend all subsequent hearings or call Glass Mountain Capital to negotiate and resolve the debt before the court date.

Read Glass Mountain Capital reviews online before you negotiate a settlement

If you are curious to know what people have said about their interactions with Glass Mountain Capital on different debt collection matters, then take a moment to read these reviews:

Despite Glass Mountain Capital’s online reviews being pretty mixed, this should not deter you from taking steps to engage with them in an effort to resolve the debt collection matter. Many debt collectors, including Glass Mountain Capital, are open to working with individuals to resolve their concerns and get their debt paid in a manner that works for them, based on their current financial situation. Proactive communication is the key.

If calling a debt collector to negotiate doesn’t sound like your idea of fun, try using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

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