520-293-3643

I also got the mysterious call. Called them back. Got put on hold. Waited for 5 minutes, then decided I wasn't going to waste my minutes on hold waiting for a mysterious person I don't want to talk to.

in my caller ID it says Operations Division. A Female Called and she kept asking for a Alberto I kept telling her that person does not live here. Then she said does his wife "   " live there and I said a women by that name lives here. She started to name my children. I hang up right away.. It was weird that she knew all my children and age. Worried its a scam.

They've called before, asking for someone that we don't know, we've told them this, yet they still continue to call on occasion.

These people call often, asking for someone we don't know, then getting nasty with us about that, or call and hang up. Today they called again. I gave the phone to my two-year-old granddaughter and let her babble to them for a bit. They hung up. :-)

i have recieved a call from this number twice and both times i have not answered. they never leave a mess. if this indeed a collection agency for student loans i've actually already been contacted by credited people and taken care of them. i believe this number is fradulent and they are probably running a scam.

IS THERE NOTHING WE COULD DO? I mean seriously! I've only received one call thus far but it seems absolutely insane that if some of you are getting repeated calls, referencing "drugs" and swearing at you and what not, that there' isn't a QUICKER (Police, FBI, SOMEONE/THING) option? It doesn't make any sense.

If I get another call from this place, I will call the Police (non-emergency), immediately!

calls almost on a daily basis.  answered a couple of times & got hung up on.  what can we do to stop them?  appearently, from the other complaints, they don't don't care if they get reported to anyone.

just received 3 calls within 5 minutes.  refuse to answer calls i don't know who it's from.  never leave messages, always call just about everyday, at least twice.  have woken up my kids several times as they think calling at damn near 9pm is OK.

Called twice today but I didn't answer 1st call. 2nd call asked for my fiance, I said he's NOT AVAILABLE & the guy asked when he'd BE HOME FROM WORK! I said "Who knows" and somehow this man knows my cell phone was broken because he said "he needs his own cell phone back already" quite rudely & hung up on me!

GC services is a collection agency for defaulted student loans. They are a legitimate collection agent.

They are a licensed collection agency - but legitimate is stretching it quite a bit.

Legitimate collection agencies DO NOT BREAK STATE AND FEDERAL FDCPA Laws to collect debts
Legitimate collection agencies DO NOT CALL THE WRONG people over and over again - they cannot collect from the wrong people and it wastes time and MONEY

http://www.budhibbs.com/collectorpages/gc_services.htm
GC Services, LP
6330 Gulfton  PO Box 2667
Houston, TX 77081
Phone: 713-777-4441
800-727-5848
Fax: 713-776-6689
Web Address: www.gcserv.com
Are you a former or current employee with GC Services?

We need your insight. Drop us an email - we’ll keep your ID secret... Email Us



--------------------------------------------------------------------------------

Bud Says                         Consumer Comments Below

General Collection Services is consistent violator of FDCPA and FCRA in their inability to follow the law. A longtime collector for American Express, their continued ability to keep that plum client is a mystery - until you see how it's done by reading comments from consumers.

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available


LAWS THIS CA BREAKS

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    

The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/First.htm
    
Statute of Limitations by State – always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.

Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren’t; or
    indicate that papers they send to you aren’t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don’t pay your debt;
    they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn’t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans’ Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members’ Pay
    Military Annuities and Survivors’ Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen’s and Harbor Workers’ Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

These clowns called me asking for somebody and they claimed that they were calling about a "federal tax obligation" so that it was "very time sensitive."  The caller mentioned "GC Services" only very quietly and quickly and refused to repeat the name when I asked her to do so.  She also asked me if I knew the person that she named and, when I asked her to repeat her name and company, she said, "I know other relatives, so I'll just call them."  

Obviously, these people aren't calling about a "federal tax obligation," so don't be fooled when you receive a call from this number.

This number called my work twice - one call right after the other.  They left a message the the second time.  The person identified himself as Jose with GC Services and said I needed to call him back ASAP.  He left a phone number of 877-557-9780

called me today saying I am from DC services. I need to verify I am talking to the right person, give me your social security #!
I asked what DC services are. She said, and I quote " I cannot give out any infor... This is where I hung up on her.
This has scam written all over it!!!!!

Just want to state that this number is legit, but again, their practices are pretty much borderline legit.  They kept calling my old parents house phone looking for me, til one day my dad got fed up and gave me the number to call back.  So I called back and it was GC Services contacting me regarding my extremely delinquent student loans.  He stated that my loan was so delinquent that the remaining balance was relinquished to another agency, and GC was working with that agency to get me to commit to repaying the loan.  We eventually worked out a downpayment and monthly payment fee I could afford, BUT I also had to give the names of 2 'references' that they could contact in the 'event I ever fall into delinquency' regarding this payment plan.  So that is probably why a lot of you are receiving calls, is that someone you know probably used you as a 'reference' and has now fallen into delinquency problems with their company, and they're trying to call references to find the individual.    Either that or they are looking for someone that owes them money that no longer has that phone number.    I can verify they are legit though as I have received physical mail confirming my payments and phone correspondences.  

For the rest of you receiving harassing phone calls to which you have nothing to do with, definitely report the number to the authorities if you've already told them it's the wrong number.  They should not be harassing you for something you have nothing to do with...even if you're a reference you are NOT obligated to give out info on that individual if you do not want to.

They started calling my home number and cell phone number a couple months back.  They'd never leave a message.  After getting tired of seeing thier number show up on my cell phone, I called the number back.  I got a gal that confirmed that they'd called.  They were looking for my old boyfriend.  I told her that he didn't live here and I didn't want to hear from them any more.  

Thought that was it, but the next day I got a call from "George" from GC Services.  He was tracking down my old boyfriend about (Sally Mae) college loans that are over 20 years old.  George had linked the boyfriend to me, and even linked up to my Father who lives in a different state.  After he'd called my father, he called me.

I explained that the boyfriend no longer lived here, and I didn't know where he was.  I requested that they stop calling me, remove me from their list as I pay my bills and have absolutely no outstanding student loans...I never even had loans when I went to college.  George ended the conversation requesting that if I talk to the boyfriend, to have him call George back.

Since that time, I randomly get calls that either doesn't show any name on Caller ID it just shows the number...or I get a call from Operations Division.  Thanks to the links on this and other "Who called me" type of web-sites, I've filed a complaint with the FTC.  Hopefully the FTC will step in and GC Services will stop calling.

called for my mother-in-law and they listed her former step-daughter's name AND her ex-husband's first wife's name, claiming these two women used her as a reference? to what i don't know, the guy said he'd call back later.

This guy called from this number, and stated that he wanted to talk to me. It sounded fishy from the get go, and I told him that he had the wrong number. He then proceeded to say that I had applied for something and he was calling me about a job. I still told him that he had the wrong number.

I had my identity stolen 4.5 years ago. It is a nightmare of ongoing strange phone calls. I no longer answer any number I don't recognize or is shown as "unavailable." I let it go to VM and they rarely leave a message. This number calls a couple of days in a row and then I get a break for a few weeks. Very annoying. Never leaves a message. I now have my ringtone set to mute for this number.

First a 520-293-3643 number called me. They did not leave a vm but noticed it was the 3rd time in 2 weeks they've called, so I called the number back. Went straight to a vm saying they don't take calls and that if I wanted to talk to someone I needed to dial 877-551-9751. A lady picked up saying they were G.C. Services and asked for my first and last name. She couldn't find me with my last name so she asked for my SS#...which of course I said I would not give that out. Then I was transferred to another person, a guy (maybe it was Mike? not sure), and he asked me what my phone number was and so I said it and then asked me if  I was some Dave Dreams...I said no and that I would like it if they took me out of their list and he said okay and hung up. So yah, pretty weird!