Dena Standley | November 14, 2022
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.
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:
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)
NMLS ID: 1029427
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:
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.
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:
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:
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:
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:
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:
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.
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.
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.
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 send a Debt Lawsuit Settlement Letter, it starts the negotiation process and offers the collector an arrangement to settle the debt.
For best results, send it soon after filing your Answer.
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
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.
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
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.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.
Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.
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