GC Services Collections Harassment

Businessman Taking Money Out of Piggy Bank. Business Concept Cartoon Illustration.

GC Services is a debt collection agency. It usually is hired by companies to collect delinquent debt. GC Services can’t harass you, deceive you, or treat you unfairly. If it does, you may have a claim for damages.

If you think GC Services is harassing you or disregarding your rights, contact BCJ Law’s debt harassment attorney for help. Please complete our contact form or call 1-800-997-5561 for a free case review.

Why does GC Services keep calling me?

"More than half of consumers contacted about debt 'said these contacts included at least one debt ... in error.'"

CFPB Survey (2017).

GC Services is a debt collection agency based in Texas. GC Services does not own your debt; it is hired by individuals and corporations to collect debts their behalf, either through calls or letters, or by other means.

If GC Services is calling you, or if GC is sending you letters, that means it’s trying to collect a debt from you. GC Services also may appear on your credit report if it is engaged in the collection process. GC collects many types of consumer debt, including credit card debt, auto debt, utilities debt, student loan debt, telecommunications debt, and many other types of consumer debt.

Do people complain about GC Services harassment?

Consumers have complain about GC Services’ debt collection practices in past years. For example, complaint databases maintained by the CFPB and the BBB show the following:

  • Consumer Financial Protection Bureau (CFPB) Database: shows almost 1,000 complaints against GC Services.
  • Better Business Bureau (BBB) Website: shows almost 100 complaints against GC Services.

If you have complaints about GC’s debt collection practices, visit our debt collection harassment page to learn how BCJ Law can help. Call us at 1-800-997-5561 or complete our contact form.

Does GC Services sue?

Close to a third of consumers contacted about debt said debt collectors tried to "collect at least one debt the consumer believed he or she did not owe."

CFPB Survey (2017).

When consumers learn GC Services is a debt collection agency, they often ask if they’ll get sued. The answer is maybe, although GC won’t file a lawsuit in its own name. Remember, GC doesn’t own your debt; it’s simply collecting it.

Whether you’ll get sued for a debt GC Services is trying to collect depends on the type of debt at issue. If GC is collecting on behalf of a debt buyer (which is a company that buys old debt for cheap), it’s possible you will get sued. And, if GC is collecting a consumer debt, like a credit card or personal loan, a lawsuit may occur. If you get sued, visit our debt defense page to learn how our debt defense attorney beats debt collection lawsuits.

How do I get GC Services to stop calling me?

A law called the Fair Debt Collection Practices Act (FDCPA) gives you the right to tell GC Services to stop calling you. The FDCPA also gives you the right to tell GC when it can call you, or how it can contact you. For general tips on dealing with debt collectors and debt collection calls, read our posts on how to deal with debt collectors and how to deal with debt collection robocalls.

Does GC Services have to validate debt?

The FDCPA requires GC Services to disclose your right to request debt verification (often called validation) within 5 days of first contact. GC also must disclose that verification request must be written and that debts are assumed valid if a verification letter is not received within 30 days. If you request debt verification, GC Services must verify your debt or stop collection activity. For general tips on understanding debt collection letters and debt verification, read our post on understanding debt collection letters.

Can I sue GC Services?

You can sue debt collectors when they engage in unlawful debt collection practices. Here are common practices that may violate the law:

I. Improper debt collection calls.

  • Repeated, frequent, or persistent phone calls.
  • Contacting third parties, like family, friends, employers, or co-workers.
  • Phone calls at inconvenient times or places, like early in the morning, late at night, or at work.

II. Hollow debt collection threats.

  • Threatening jail time or arrest.
  • Threatening damage to reputation or disclosure of private information.
  • Threatening wage garnishment, seizure of property, or the filing of lawsuits without authority.

III. Other improper debt collection practices.

  • Reporting inaccurate information to credit reporting agencies.
  • Attempting to collect debt that's already paid or not owed at all.
  • Attempting to collect unlawful or unauthorized fees, charges, or costs.

What laws apply to GC Services?

There are many federal and Pennsylvania laws that give you legal rights when interacting with GC Services. Here are some of them:

  • Fair Debt Collection Practices Act (FDCPA): A federal law that prohibits harassing, deceptive, and unconscionable debt collection practices. It also gives you the right to request debt verification and modify how debt collectors contact you.
  • Fair Credit Extension Uniformity Act (FCEUA): A state law that prohibits many of the same practices made unlawful by the FDCPA.
  • Telephone Consumer Protection Act (TCPA): A federal law that prohibits certain calls to cellphones without consent. The TCPA provides for $500 to $1500 per unlawful call.
  • Unfair Trade Practices and Consumer Protection Law (UTPCPL): A state law that prohibits fraud and deception.
  • Fair Credit Reporting Act (FCRA): A federal law that prohibits reporting inaccurate information to credit reporting agencies. The FCRA also limits how your credit report is used.

If you think GC Services broke the law, learn how BCJ Law can help by visiting our debt collection harassment page. Complete our contact form or call us at 1-800-997-5561.

Can I remove GC Services from my credit report?

The Fair Credit Reporting Act (FCRA) allows you to dispute inaccurate or out-dated information on your credit report. Disputed information must be investigated and errors must be corrected or removed. It’s important to understand that the FCRA does not allow you to remove accurate information. Visit our fixcreditreport.com website to learn about your rights under the FCRA, including how to dispute inaccuracies and remove old information.

GC Services Harassing You? Hire BCJ Law to Help.

If you’re harassed by GC Services, please contact BCJ Law for help. Call 1-800-997-5561 or complete our contact form for a free case review from our debt harassment attorney.

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