GC Services has its fingers in practically every piece of the debt collection pie. It collects on auto deficiency loans, municipal court collections, credit cards, healthcare, retail, student loans, taxes, telecommunications, and utilities. The company earned Sallie Mae’s Collection Agency of the Year Award in 2005, a Partner of the Year Award from ECMC, and Nissan’s Collection Agency of the Year Award for 4 years running.
Bragging that it is the biggest private collection firm on the continent, GC Services employs every device available – from the telephone to the mail to the Internet – to find customers. GC Services has also come up with a private database of intel with regards to consumers – data, according to the company, “never before obtainable within a single source.”
In order to stop GC Services harassment, it’s crucial to know your rights under the Fair Debt Collection Practices Act. GC Services says that they mail out millions of collection letters each month. If you have received one of GC Services’ collection letters, you need to understand what the law says with regards to this sort of activity.
Debt collectors like GC Services are permitted to send you letters, but they’re not permitted to embarrass you by sending you a postcard or an envelope with printing that indicates it links to a debt. In accordance with the law, a bill collector like GC Services can’t utilize “any language or symbol, other than the debt collector’s address, on any envelope when interacting with a consumer by use of the mail or by telegram, apart from a debt collector may utilize his business name if this kind of name does not indicate that he is in the debt collection business.” In other words, the law recognizes that these kinds of practices are unpleasant to consumers, and makes it illegal for GC Services to send a piece of mail which encourages that they are in the process of collecting from the addressee. Debt collectors like GC Services know how to use methods, like these, which will humiliate the consumer in an effort for them to throw up their hands and say “enough.”
Each time a debt collector from GC Services communicate withs you, he is obligated to tell you his true name, that he’s making an attempt to collect a debt, and that any facts you supply him will be used for that purpose.
GC Services
6330 Gulfton
Houston, TX 77081
713-777-4441
Thanks to lawmakers and federal banking regulators, your credit card monthly statements have to carry more details than before. Credit Card Act of 2009 has mandated certain disclosures. Now the new statements are designed to be more reader-friendly and help credit cardholders easily find important information on their monthly statements. Displayed are payments due, the [...]
The Fair Debt Collections Practices Act (FDCPA) came into existence to protect consumers against unfair and unethical practices of debt collectors. Enforced by the Federal Trade Commission (FTC), the FDCPA is a federal statute that shields consumers from unscrupulous debt collection methods.Debt Collectors resort to harassment of consumers and violate the FDCPA. Despite your debt, [...]
Three very important steps to stopping of debt collection are identifying whether you owe a debt or not, reviewing your right and taking action of your right has been violated. The Fair debt Collection Practices Act (FDCPA) was established by the Federal Trade Commission (FTC) to ensure fair debt collection practices. The FDCPA is enforced [...]
When debt collectors harass you, they have broken the law! The Fair Debt Collection Practices Act, FDCPA, is a law that protects individuals from overzealous debt collectors and dishonest collection agencies practices. Some common illegal strategies by debt collectors are: Calls to you at work Calls to you at home at late hours. Threats to [...]
