Start My Answer

How to Beat Glass Mountain Capital

Dena Standley | March 06, 2023

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

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.

When you beat Glass Mountain Capital ^^

Summary: Glass Mountain Capital is a debt collection agency that collects on behalf of companies throughout several different industries. If you’re being contacted by Glass Maountain Capital, there is a good chance you owe a debt. Use SoloSuit to request a debt validation with GMC and respond if they sue you in court.

A collection agency such as Glass Mountain Capital (GMC) may resort to litigation to collect a debt. Fortunately, SoloSuit takes care of everything for you and makes it super easy to fight Glass Mountain Capital (GMC) in court.

You can also try sending a Debt Validation Letter to avoid a lawsuit. There's a strong possibility that Glass Mountain Capital won't contact you again after receiving such a letter.

Don't let debt collectors intimidate you because you can stop harassment, verify a debt, and even save money. Here are all the options and help you need to beat Glass Mountain Capital.

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. Glass Mountain Capital serves a diverse range of industries collecting non-serviced debt, including:

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

If you need to reach Glass Mountain Capital to discuss your debt, we’ve listed the company’s contact info below.

Glass Mountain Capital Contact Information:
1375 E Woodfield Rd
Suite 400 Schaumburg, IL 60173
877-214-0276 (Toll Free)
info@glassmountaincapital.com
NMLS ID: 1029427

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 used SoloSuit to create 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’lll 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 SoloSuit.

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.

Respond with SoloSuit

Get Started

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.

Just be sure to file an Answer to your lawsuit first, even if you plan to settle.

Settle with SoloSettle

Make an Offer

Does Glass Mountain Capital have any reviews?

If you feel like Glass Mountain Capital has treated you unfairly, you’re not alone. Many consumers, like you, have submitted formal complaints against Glass Mountain Capital to the Better Business Bureau (BBB) and Consumer Financial Protection Bureau (CFPB).

As of 2022, the BBB has received 50 complaints against Glass Mountain Capital in the most recent three-year period. Similarly, the CFPB has reported more than 120 complaints against GMC over the last ten years.

Most consumer complaints relate to inaccurate credit reporting, harassment, and failure to verify debts. Below is a real complaint against Glass Mountain Capital from its BBB profile:

“This company has called my cellphone number at least twice daily to include Saturdays and Sundays for the past 2 months. I have never heard about this company, I do not have any debts whatsoever, my personal cell phone is on DO NOT CALL GOVERNMENT LIST, and I am a spouse of a retired marine. These calls are 100% illegal. They do not speak to anyone once you tell them you need more information they just simply hang up on you. But the business practice currently being used is 100% illegal as I have never done business with this company, I do not have debts and I have told them to not call my cell number and they continue to do so.”

Consider filing a complaint if a debt collector harasses you. Consumers have complained to the CFPB about collecting a debt they don't owe, harassment, and impersonating police, attorneys, or government officials. ss

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.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.



Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.


We have answers

Join our community of over 40,000 people.


You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.


Get Started

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court

Not sued yet?

Use our Debt Validation Letter.


Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.


Let's Do It

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.


"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather



Get Started