GC Services launched in 1982 and mostly collects student loan debt. They also collect on traffic ticket fines in the greater Los Angeles area, in addition to on behalf of the banking, automotive, retail, utilities, and telecommunication industries
GCS uses many different methods to accumulate debt, including letters, calls, and competitive skip tracing tactics. They explain their approach as “firm, fair, and friendly.”.
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GC Services is a legitimate first- and third-party debt collection agency that is based in Houston, Texas. GC Services has been in business since 1957, and collects on behalf of a number of industries, and collects on auto deficiencies, bank loans, student loans, and telecom debt.
They were recently subject to a $700,000 fine from the Federal Trade Commission for allegedly prohibited student loan debt collection techniques, yet GCS asserts they provide comprehensive training to all of their staff to follow the ethical and legal standards of the business.
As of April 2017, the Better Business Bureau reported 128 closed GC Services complaints over the previous few decades, including 41 closed GC Services complaints over the past 12 months. Additionally, Justia lists 55 GCS complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, one alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 112 closed complaints for 2016.
GC Services, LP
Houston, TX 77081
Phone Number: 800-756-6524
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely GCS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here’s an example of a case filed in federal court.
In 2016, a judge in U.S. District Court, Middle District of Florida, refused GC Services’ motion to dismiss Dickens v. GC Services for alleged violations of the Fair Debt Collection Practices Act. According to the judge’s decision, the customer alleged that GCS failed to notify him that, if he disputed the debt, he would need to notify GCS in writing so as to activate the requirement that the debt collection agency affirm the debt. GC Services claimed that the customer lacked standing to sue, however, the judge refused the debt collection agency’s caselaw citation and allowed the case to proceed.
Here are some past Press Releases of Lawsuits Brought On By Lemberg Law Against GCS
November 15, 2015. Once you get into debt, it can sometimes be hard to pay off your balances. Unforeseen circumstances happen and things can snowball. Even once you extricate yourself from the debt, the impact can be lasting and debt collection agencies can make life extremely difficult.
On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Central District of California. The case, against GCS, charges the debt collection agency with violating state and federal law and asks for $1,000 in statutory damages, plus other relief.
Our client says that she spoke to GC Services about settling a debt. GCS told her that, in exchange for settling the debt in one immediate payment, GCS would delete the debt from our client’s credit report. Because of this, our client settled the account and made the payment.
About a week later, our client received a letter from this debt collection agency. It said, in part, “GC Services does not report any information to any credit bureaus or agencies. The responsibility for reporting this account to the credit bureaus or for updating any existing report rests exclusively with the above named client.”
What did that mean? That her credit report still said her debt had been in collection. Even now, the once-overdue debt hurts her credit score.
This lawsuit charges that GC Services violated the Fair Debt Collection Practices Act (FDCPA) by employing false and deceptive means to collect a debt; and by using unfair and unconscionable means to collect a debt.
September 28, 2015. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Northern District of California. The case, against GC Services, charges the debt collection agency with violating federal law and state law and asks for $1,000 in statutory damages, plus other relief.
We all care about our kids, and our hearts break when our children face tough times. But that doesn’t mean we should put up with debt collector harassment when a debt collection agency is trying to collect money from our children. Our client says that GCS called her in March 2015 and said that her daughter had put her name down as a reference on an application. Our client said that she wouldn’t discuss the issue and that she wouldn’t help them to collect the debt. Nevertheless, GC Services kept calling her.
The lawsuit charges that GC Services violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by refusing to identify themselves, by failing to state that they were acquiring location information, and by communicating with our client more than once without being requested to do so. The lawsuit also alleges that GC Services violated California’s Rosenthal Fair Debt Collection Practices Act.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Consumers have reported this agency harassing them from the following numbers:
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
What Our Clients are Saying
“We realize that ours is only one little case among many — and a lot more serious — but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”
“Seriously! Thank you a thousand times over! The debt collector kept phoning me but would not give me any information regarding the debt that I owed except the sum. They threatened me over and over again and would not stop calling. I hunted on Google for ways to make the calls stop and discovered Lemberg Law. They took my case and found that the debt was too old to accumulate. This firm had ‘bought’ my accounts and expected for me to pay! Guess what? They ended up paying me for each of the harassment they put me through! I was SHOCKED when I received my check.
“I need to commend you and your company for your valuable support to individuals like myself, who have problems they want help with when confronted with collection difficulties.”
“I was struggling so hard and the collection calls were quite painful. Your specialist team sorted out all of these issues. My life is my own again. Thank you.”
In short, yes. Contact us to find out more.
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