866-355-2356

This number belongs to a student loan collection agency.

caller spoke very friendly and also fast like she knew me

Lokidog is right it is a Student Loan Collection Agency.  GC Services

I used to work for this company. Its based in knoxville tn... and if you are getting a call from this paticular # u might wanna talk to them cuz its the Wage Garnishment Dept and if u ignore them u will get ur paycheck garnished for 15% of the net....  They will make payment arrangements!  dont let them garnish you or you will pay heavy fees!  Trust me I have first hand expierence!

Yea... They already garnished my wages... now i got layoff lets see them garnish my air paycheck

This is the number for GC Services AWG department. if they are calling you need to answer. I means that your employment has been verified and that the Department of Education is about to place and Administrative Wage Garnishment on your pay. As per the FSA Collections website:
The Borrower's Rights and Responsibilities

The borrower has the right to:

Be sent a notice 30 days prior to ED ordering wage garnishment that explains ED's intention to garnish, the nature and amount of the debt, an opportunity to inspect and copy records relating to the debt, object to garnishment to collect the debt, and avoid garnishment by voluntary repayment;
An opportunity to enter into a written agreement under terms agreeable to ED to establish a voluntary repayment agreement;
An opportunity for a hearing to present and obtain a ruling on any objection by the borrower to the existence, amount, or enforceability of the debt;
An opportunity for a hearing to present and obtain a ruling on any objection that garnishment of 15% of the borrower's disposable pay would produce an extreme financial hardship;
An opportunity for a hearing to present and obtain a ruling on any objection that garnishment cannot be used at this time because the borrower is now employed within a 12-month period after having been involuntarily separated from employment;
Having garnishment action withheld by filing a timely request for a hearing, until the hearing is completed and a decision issued;
Not to be discharged from employment, refused employment, or subject to disciplinary action due to the garnishment, and to seek redress in federal or state court if such action occurs; and
Not to have any information provided to the employer but what is necessary for the employer to comply with the withholding order.
To avoid garnishment of 15% of disposable pay, the borrower must:

Negotiate repayment terms acceptable to ED or the Private Collection Agency (PCA) and ensure that ED receives the first payment by the response deadline date on the garnishment notice, which is 30 days from the date the garnishment notice was sent;
Make a hearing request in writing postmarked no later than the deadline on the garnishment notice;
If requesting copies of documents, make a request for a hearing, because requesting document(s) does not delay a garnishment order;
Provide proof to support any objection made to the existence, amount, or enforceability of the debt, or a claim of legal exclusion or financial hardship;
Pay any expenses he or she incurs to obtain legal representation and to attend an in-person hearing; (All in-person hearings are held at one of the three regional offices: Atlanta, Chicago, or San Francisco. The borrower is responsible for the cost of attending and those of any witnesses to attend on their behalf.) and,
Initiate any legal action against his or her employer if the employer discharges, refuses to hire, or takes disciplinary action against the borrower based on the garnishment action.
From 488A of the Higher Education Act of 1965, as amended, 20 U.S.C. Section 1095a.

Im getting calls from this company and I don't even have a student loan.. or any other type of loan. Interesting..

The above information is not true. I have no student debt and no wages to garnish, so if this were really a "Wage Garnishment Department" they have no reason to call me. I do have a small outstanding debt, but have never received anything from a court that would allow garnishment of my wages.

I think these are usually either normal collections calls (perhaps my $300 debt was sold to these guys by another creditor) or else simply a pure scam.

Ha,ha stop it. Your phony story is hurting my ribs.

they sounded very professional but juding from the above I would agree that it is probably a scam

Received a call from GC Services. I highly doubt this is a collection agency for student loans as someone else's post claims since the US Department of Education is already garnishing my wages, and has been for the last 4 years. Sorry, but this seems like a scam and I will not be calling them. I WILL, however, be checking my credit reports.

Well, you can think what you want, but I for one am 100% sure that GC Services is a debt collector and that they collect on student loans.

GC SERVICES
Posted in:  https://800notes.com/Phone.aspx/1-800-352-3759
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https://800notes.com/Phone.aspx/1-866-355-2356
Please note:  Regarding the collection of student loans, the collection agency wants to convince you that you need to pay $200 or more per month.  The reason is simple-they make a ton more money that way.  If they get you to pay that they make 16% of the TOTAL loan amount.  If you pay less they only get 16% of what you pay every month.
Contact page with their address:  http://www.gcserv.com/Home/ContactUs.aspx
BBB page with an accredited A- (reduced from an A+ and 133 complaints (down from 211 when I originally did this report) and 6 negative review???  http://www.bbb.org/houston/business-reviews/c ... houston-tx-1956
Bizapedia has them as a Delaware Limited partnership:  http://www.bizapedia.com/de/GC-SERVICES-LIMITED-PARTNERSHIP.html
Company Name:      GC SERVICES LIMITED PARTNERSHIP

File Number:      2103314

Filing State:      Delaware (DE)

Filing Status:      Unknown

Filing Date:      October 1, 1986

Company Age:      29 Years, 3 Months

Registered Agent:               The Corporation Trust Company
Corporation Trust Center 1209 Orange St
Wilmington, DE 19801

Texas debt collector info:
Principal Name: GC Services (Barbados) SRL     # 1

Address:    Harbour Industrial Estate Suite 201 Bldg 2
Bridgetown, Barbados,   West Indies
File Number:    20050125
Status:    Active
Date Filed:    5/25/2005
Cancellation Date:
Phone:
Bonding Company:    Safeco Insurance Company of America
Bond No:    6302212

Principal Name: GC Services (Barbados) SRL     # 2

Address:    6330 Gulfton
Houston, TX 77081
File Number:    20110165
Status:    Canceled Close File
Date Filed:    8/4/2011
Cancellation Date:    8/24/2013
Phone:    (713) 777-4441
Bonding Company:    Safeco Insurance Company of America
Bond No:    6525416

Principal Name: GC Services International LLC     # 3

Address:    5th Floor Ortigas Blvd Orgigas Avenue Pasig City
Manila,  2+06 PHILIPPINES
File Number:    20130017
Status:    Active
Date Filed:    1/24/2013
Cancellation Date:
Phone:    (713) 777-4441
Bonding Company:    Liberty Mutual Insurance Company
Bond No:    404005919

Principal Name: GC Services Limited Partnership     # 4

Address:    6330 Gulfton
Houston, TX 77081
File Number:    20030160
Status:    Active
Date Filed:    9/8/2003
Cancellation Date:
Phone:    (713) 777-4441
Bonding Company:    Safeco Insurance Company of America
Bond No:    6221932

Principal Name: GC Services Limited Partnership     # 5

Address:    6330 Gulfton
Houston, TX 77081
File Number:    930129
Status:    Canceled Close File
Date Filed:    12/30/1993
Cancellation Date:    11/21/2003
Phone:    (713) 772-6536
Bonding Company:    Old Republic Surety Company
Bond No:    CAB1029652

Dept. of Education Contract:  https://studentaid.ed.gov/sa/sites/default/fi ... aseContract.pdf
Other complaint sites:
http://gc-services.pissedconsumer.com/
http://www.ripoffreport.com/reports/directory/gc-services
http://www.complaintsboard.com/complaints/gc-services-c10510.html
http://forums.debtcc.com/gcservices.html
Looks like they get sued a lot:
https://gcservicesclassaction.com/
http://www.leagle.com/decision/2002654310F3d3 ... 0SERVICES%20L.P.
http://www.law360.com/cases/5216749da409426581000001
http://www.leagle.com/decision/20061505440FSu ... ERSHIP-DELAWARE
http://caselaw.findlaw.com/us-5th-circuit/1114100.html
http://www.debtorboards.com/index.php?topic=7151.0


It is incumbent upon them under the law to prove that the debt exists and that you owe it, and that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.

Read up on your rights here and also make a complaint at this government site:  http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

They still call to see if you want to set up a payment program.  They have quotas to hit.

They Google people's addresses and call their neighbors.  They may have been looking for someone else, or a former borrower had your number.  It is true because I used to work there.  Crappy company, but legit.

I  get this call on my prepaid cell. Legitimate sounding maybe but I'm highly doubtful. The voicemail says they're a debt collection agency but they don't say who they're calling for. The same person has called 3 times, says they're GC Services with a call back #886-355-2356. That's not the number that shows up on my caller ID. That # was 732-561-4177.  Lastly, I don't have student debt. Paid that off 20 years ago and have a letter to prove it. Be careful if you answer and don't give them your personal info.

Yes, this is GC Services. They have been garnishing my wages for over a year. Now, they call a year in to the wage garnishment. I think they do this so they can prove their collection costs. They are calling to see if they can rehabilitate the loan and get it out of default.

As one of the industry’s leading business process outsourcing providers today, GC Services offers a wide array of accounts receivable solutions and customer care solutions to both public and private sector organizations. Our partnerships include clients from numerous industries including the automotive, banking and financial services, cable and satellite, consumer goods/computer manufacturing and electronics, retail, telecommunications, utility, mortgage, student loans, and various governmental sectors.
From the GC Services website. You are not as knowledgeable as you think. They do more than student loans. The number calling is also not their payment contact number and they have numerous complaints and legal action against them. All you have to do is Google them and sort through the numerous non-collection agency companies using that name.