Greenberg, Grant & Richards, Inc. (GGR) is a Houston-based collection agency that focuses on business-to-business debts. Individuals usually hear from it about an unpaid invoice owed by a business they own or guaranteed.
- Type
- Collection agency
- Also known as
- Greenberg, Grant & Richards, Inc.; GGR
- Headquarters
- Houston, TX
- Collects
- commercial (business-to-business) accounts
- Phone numbers it lists
- (888) 961-1000
- Website
- ggrinc.com
43 debt collection complaints were sent to the Consumer Financial Protection Bureau about Greenberg, Grant & Richards 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 Greenberg, Grant & Richards?
Greenberg, Grant & Richards, Inc. (GGR) is a commercial collection agency headquartered at 5858 Westheimer Road, Suite 500, in Houston, Texas. Its website says it has been in business more than 30 years, has over 100 employees and several U.S. offices, and collects about $100 million a year. Its phone number, (888) 961-1000, is listed as available around the clock.
GGR's services include commercial debt collection, asset and liability investigation, legal referral for debt recovery, international commercial collection, and accounts receivable management. It lists Nevada collection agency license CAD11369, company NMLS No. 1148625, and certification by the Commercial Law League of America, and says it serves all 50 states and is licensed where required.
Why Greenberg, Grant & Richards May Be Contacting You
GGR's work is business-to-business, so the usual reason an individual hears from it is an unpaid invoice owed by a business: one you own, run, or used to run. It may also contact you if you signed a personal guaranty for a business account, such as a vendor credit line or equipment lease. Even so, about 43 consumer debt-collection complaints naming GGR were filed with the CFPB from November 2023 through November 2026, so some people who hear from it see the account as personal.
Whether the account is a business or consumer debt affects which laws apply, so it is worth sorting out first.
How to Check a Debt Greenberg, Grant & Richards Says You Owe
- Ask whose debt it is. Is GGR pursuing a company, or you personally? If personally, ask for the guaranty or other document that makes you liable.
- Get the invoices, contract and account statement. Compare them with your records of deliveries, returns, credits and disputed charges.
- If the account was for personal or household use, invoke your validation rights. You can dispute in writing within the period stated in the notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Confirm who owns the claim now and whether it has been referred to a lawyer.
- Check the dates. Texas generally gives four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004); for consumer debts, debt buyers may not sue once that period has run (Tex. Fin. Code § 392.307). Other states differ.
What Greenberg, Grant & Richards Can and Can't Do
The FDCPA covers only debts incurred primarily for personal, family or household purposes. On a true business debt, its protections generally don't apply. If GGR collects a consumer debt for someone else, it is a debt collector under 15 U.S.C. § 1692a(6), and it:
- May not use false or misleading statements, such as implying it is a law firm or government agency (15 U.S.C. § 1692e(3), (9)).
- May not threaten a lawsuit it doesn't intend to file (15 U.S.C. § 1692e(5)).
- Must keep calls within Regulation F's seven-in-seven limit (12 C.F.R. § 1006.14(b)(2)).
- Must stop contacting you, apart from limited notices, if you ask in writing (15 U.S.C. § 1692c(c)).
As a Texas-based collector, GGR is also subject to the Texas Debt Collection Act when it collects consumer debts (Tex. Fin. Code ch. 392). We did not find a CFPB enforcement action against Greenberg, Grant & Richards. See Texas collector licensing and bonding, or 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 Greenberg, Grant & Richards 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
- Greenberg, Grant & Richards: home page
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: Greenberg, Grant & Richards Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Greenberg, Grant & Richards has violated any law. Company details change; tell us if something here is out of date.