Are you looking for information about the Intelogix debt collection agency?
If you have found an Intelogix debt on your credit report, it is probably not the news you wanted to hear. However, this is not the end of the story. It is the beginning of a new chapter, one in which you take matters into your own hands to remove this entry from your credit report.
What is Intelogix?
Debt collection and business process outsourcing company, Intelogix, was previously known as GC Services Limited Partnership until it changed its name to Intelogix in June 2023.
Here is a quick rundown of the debt collector's vital information:
Address: 1389 Center Drive, Suite 200, Park City, UT 84098
Phone Number: 713-777-4441
Years in Business: 68 years (founded in 1957 in Houston, Texas)
Contact Email: compliance@intelogix.com
Also Known As: GC Services, G C Services Limited Partnership
What do we know about the Intelogix collection agency?
The company operates 30 contact centers across the US, the Philippines, El Salvador, Canada, and Egypt, and employs between 7,000 to 7,500 staff. In 2014, GC Services serviced over 2 million accounts and collected around $1.2 billion.
In November 2021, its parent company, ORG GC Midco LLC, filed Chapter 11 bankruptcy in the U.S. Bankruptcy Court for the Southern District of Texas. The bankruptcy eliminated $117 million in funded debt and saw ownership transferred to a group of institutional investors that included Benefit Street Partners and Goldman Sachs.
In June 2023, the company changed its name from GC Services to Intelogix.
Although it has an A+ rating from the Better Business Bureau (BBB), the company is not BBB Accredited. According to the company's BBB profile, it has had between 50 to 108 complaints in the last three years, with billing and collection issues ranking among the primary concerns. The CFPB maintains between 139 and 935 complaints against the company depending on the measurement timeframe.
Has Intelogix been fined?
In February 2017, the Federal Trade Commission (FTC) brought enforcement action against GC Services that resulted in a $700,000 civil penalty settlement. The Department of Justice filed the complaint on behalf of the FTC, which voted unanimously to authorize the action. GC Services agreed to a settlement that included paying a $700,000 civil penalty.
The FTC's complaint alleges that GC Services collectors:
Left phone messages that illegally disclosed purported debts to third parties. Called consumers repeatedly after being told they had the wrong number or that the debtor could not be reached at that location. Made false claims that the company prevented its employees from making unlawful calls.
GC Services has also been the subject of over 2,100 federal lawsuits, which include allegations of violating people's rights when collecting debts. These lawsuits include class-action settlements, FDCPA violations, and Telephone Consumer Protection Act (TCPA) claims.
In 2018, a court in Wisconsin ruled that GC Services violated the FDCPA by demanding consumers to dispute debts in writing even though the law says oral disputes are acceptable.
Why should you dispute before you pay?
The thing about paying a collection is that, although it will change the status of the collection from "unpaid" to "paid," the item will likely remain on your credit report for the full seven years.
If you pay a collection without disputing it first, you may end up paying for a debt that you don't owe or that the collector cannot verify. This is why it is so important to dispute the debt before you pay it.
Why should you dispute the debt?
According to research conducted by U.S. PIRG, 79% of credit reports contain either mistakes or serious errors. This means, instead of assuming a collection account on your report is accurate, you should presume the opposite.
There are several ways in which a collection account can be inaccurate:
The debt could belong to someone else. The amount could be wrong due to incorrect fees or interest. The original creditor could be wrong. The dates could be wrong, which could affect how long the item can stay on your report.
How do you dispute a debt?
The first thing you should do is request a copy of your credit report from each of the three major credit bureaus (Experian, TransUnion, and Equifax). You are entitled to one free report from each bureau every year, so this is a free step you can take.
Go through each report line by line to identify the Intelogix debt. Check to make sure all of the following information is correct:
Account number. Dates. Balance. Original creditor.
It also pays to check for any discrepancies between the three reports. If, for example, the balance is different on one report than it is on the others, this is something you can dispute.
How do I contact Intelogix?
Here are some key pieces of information that can help you to contact Intelogix:
Phone: 1-713-777-4441 Email: compliance@intelogix.com Mailing address: 1389 Center Drive, Suite 200 Park City, UT 84098
However, it is generally not recommended that you contact the collection agency directly. Not only can this be extremely stressful, but it can also lead to you saying something you regret.
Instead, consider working with a credit repair company. Not only do credit repair professionals understand the technicalities of the Fair Credit Reporting Act (FCRA) and the FDCPA, but they also know how to work with collection agencies to get items removed from your report.
One consumer review of GC Services illustrates why professional distance matters. The consumer reported that the company went to great lengths to pressure them, including calling former colleagues found via LinkedIn and family members found through Facebook, pretending to offer a job opportunity.
Other documented consumer complaints describe excessive call volume reaching 15 or more calls daily, contact at improper hours including early morning and after 9pm, calls to employers, and threatening language about lawsuits and wage garnishment.
Why work with a credit repair company?
If you are not sure where to start when it comes to disputing a debt, consider working with a credit repair company. Here are just a few reasons why:
Credit repair professionals understand the law. They know what collection agencies can and cannot do. They also understand the technicalities of the FCRA and the FDCPA, which can help you to get negative items removed from your report. When a credit repair professional requests validation for a debt, it does not hurt your credit score.
When you work with a credit repair company, the agency will be required to provide written validation within 30 days. If it fails to do this, the item can be removed from your report. If you attempt to validate a debt on your own, you may struggle to get a response from the collection agency.
This is because you are not a professional, and the agency may not take you seriously. Credit repair professionals will only communicate with collection agencies in writing. This means there is a paper trail, which can help you in the long run.
Ultimately, attempting to validate a debt on your own can be extremely time consuming and stressful. When you work with a credit repair professional, you can leave the hard work to them, which can help to reduce your stress levels. When you work with a credit repair company, you do not need to speak with a collection agency at all.
This can help you avoid a lot of stress and anxiety. When you attempt to validate a debt on your own, you will need to speak with the collection agency.
Unfortunately, this can be very confrontational, and you may find that you end up saying something you regret.
What is the timeline for disputing a debt?
If you dispute a debt, the collection agency has 30 days to investigate and respond. Within that time, it must verify the information it is reporting, or remove the item from your report. Internal reviews of Intelogix reveal a high-pressure, metrics-driven environment where training deficiencies are common.
One former employee stated that in training, staff learned only the bare minimum.
The burden of proof is on the collection agency. This means it must be able to verify the information it is reporting about you. If it cannot do this, the item must be removed from your report.
It does not matter whether you owe the debt or not. The burden of proof is on the agency, and it must be able to verify the debt in order to continue collecting it.
What happens if the collection agency does not respond?
If the collection agency does not respond to your dispute within the 30-day time limit, it must remove the item from your report.
This is why it is so important to dispute debts in writing. If you dispute a debt over the phone and the agency does not respond, you will have no proof of the dispute. However, if you dispute in writing, you will have proof of the date you sent the dispute letter.
Why should you be patient?
Credit repair is a long process that can be extremely frustrating at times. However, it is so important to remain patient and calm.
Not only is it good for your health, but it is also good for your credit report. Acting out of anger or frustration is unlikely to get you the result you want. Remaining calm and patient means you can think more clearly, which can help you to make better decisions.
Remaining patient also means you can keep a level head, which is essential when you are dealing with collection agencies. Acting impulsively could lead to you doing something you regret, such as paying a debt you do not owe.
How do I remove an Intelogix collection from my report?
If you want to remove an Intelogix collection from your report, the first thing you should do is check your report to make sure the information is accurate.
You can request a copy of your report from each of the three major credit bureaus. Check each report carefully to make sure all of the following information is accurate:
Account number. Dates. Balance. Original creditor.
If you spot any mistakes, dispute them in writing. You can also consider working with a credit repair company.
Ultimately, the key to removing items from your report is to remain patient and calm. Do not act out of anger or frustration, because this is unlikely to get you the result you want.
Also, do not be afraid to ask for help if you need it. Whether you need help from a credit repair company or a friend or family member, do not be afraid to reach out.
Working with a credit repair company can make the process easier, because it has the professional knowledge and expertise to understand how to remove items from your report. However, this is not the only way to remove items.
You can also attempt to remove items on your own. This can be a long process, but ultimately, it may be worth it.
Conclusion:
Dealing with a debt collection agency like Intelogix can be extremely stressful. However, there are things you can do to make the process easier.
Whether you attempt to remove items on your own or work with a credit repair company, the key is to remain patient and calm. Acting out of anger or frustration is unlikely to get you the result you want, so try to keep a level head at all times.
Also, do not be afraid to ask for help if you need it. There are many resources available to help you deal with debt collection agencies, so do not be afraid to reach out.
Ultimately, the most important thing is to protect your credit report. If you do encounter any problems with Intelogix or any other debt collection agency, there are things you can do.
You can dispute debts and attempt to get them removed from your report. You can also work with a credit repair company or report the agency to the relevant authorities.
The most important thing is to know your rights and understand how to protect them. With a little knowledge and patience, you should be able to navigate any problems with debt collection agencies.
