GLA Collection Company: Who They Are and Your Rights

Type

Collection agency

Also known as

G. L. A. Collection Company, Incorporated; GLA Collection Company, Inc.

Headquarters

Louisville, KY

Collects

medical bills, workers' compensation and hospital lien accounts, commercial accounts, consumer credit accounts

Phone numbers it lists

(502) 267-7522

Website

glacompany.com

305 debt collection complaints were sent to the Consumer Financial Protection Bureau about GLA Collection Company, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is GLA Collection Company?

GLA Collection Company is a Kentucky collection agency. The Kentucky Secretary of State lists it as "G. L. A. Collection Company, Incorporated," a Kentucky corporation. Its website gives its address as 2630 Gleeson Lane, Louisville, Kentucky 40299, its phone as (502) 267-7522, and its hours as Monday through Friday, 8 a.m. to 5 p.m. Eastern. The site says the company has decades of experience recovering accounts receivable and is "currently serving multiple states," without naming them.

We did not find a CFPB enforcement action against GLA Collection Company.

Why GLA Collection Company May Be Contacting You

GLA's website describes three lines of work: medical collections, commercial collections, and credit and consumer collections. Its medical page also mentions workers' compensation accounts and hospital liens. In practice, that means a GLA letter most often follows an unpaid balance with a doctor's office, hospital or other healthcare provider, although it may also concern a business or consumer credit account. The letter should name the provider or business that placed the account.

Medical balances are often tangled up with insurance. If you were injured at work or in an accident, a bill may have been sent to collections while a workers' compensation carrier or another insurer was still supposed to pay it.

How to Check a Debt GLA Collection Company Says You Owe

With a medical account, the most useful document is usually the provider's itemized bill, not the collection letter.

• Read the validation notice closely. A collector must give you a notice listing the creditor, the amount and your dispute rights (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Match the date of service and provider to your own records.
• Dispute in writing within the validation period. Ask GLA for the itemized statement and the explanation of benefits showing what insurance paid or denied. Once you dispute in time, it must pause collection until it sends verification.
• Ask who owns the account. Confirm whether the provider still owns the balance or whether it has been sold or reassigned.
• Look for insurance errors. If a workers' compensation claim or health plan should have covered the visit, tell both GLA and the provider in writing.
• Check the dates. In Texas, a suit on most consumer debts must be brought within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states use different limitation periods.

Texas also has rules about itemized medical bills before collection; see our note on Texas SB 490.

What GLA Collection Company Can and Can't Do

An agency that regularly collects consumer debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6). Medical bills are consumer debts, so the FDCPA applies to GLA's consumer collection work. Commercial accounts owed by a business are not covered by the FDCPA. For consumer accounts:

• It may not add charges that your agreement with the provider or the law does not allow (15 U.S.C. § 1692f(1)).
• It may not misstate the amount you owe or threaten a lawsuit it does not intend to file (15 U.S.C. § 1692e).
• Calling more than seven times in seven days about the same account is presumed to be harassment (12 C.F.R. § 1006.14(b)(2)).
• It may not discuss your medical debt with your employer, neighbors or relatives, apart from narrow exceptions such as a spouse (15 U.S.C. § 1692c(b)).

The credit bureaus have changed how they handle medical collections; see our summary. You can also read whether you can be sued over medical bills in Texas, or visit our FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If GLA Collection Company or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• GLA Collection Company: home page
• GLA Collection Company: Medical Collections
• Kentucky Secretary of State: G. L. A. Collection Company, Incorporated
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: GLA Collection Company, Inc., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that GLA Collection Company has violated any law. Company details change; tell us if something here is out of date.