Are you being called by GC Services, LP?* Here's what you need to know.
With an average credit card debt of $15,000 and standard interest rate of 18%, many U.S. households are paying up to 9% of their annual income on interest payments alone. When a financial setback occurs, this obligation can become first overwhelming and then impossible. This is usually the point when debt collectors start calling, many of whom are less than polite in their demands.
Your Rights Under the FDCPA
In 1977 Congress passed the Fair Debt Collection Practices Act (FDCPA), which outlawed abusive conduct on the part of third-party collection agencies. This consumer protection law made it illegal to use tactics like the following to collect a debt:
- Demanding amounts not supported by law or the original creditor agreement
- Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m.
- Calling someone at work after they’ve been advised that such calls are not allowed
- Ignoring a formal cease communications request
- Claiming that you have committed a crime and threatening to call the police on you if you don’t pay
- Threatening to ruin your credit forever
Company Profile: GC Services, LP
If you are being called by GC Services, LP, information about the company is below.
GC Services, LP is a collection agency located in Houston, Texas. It was established in 1957, has over 9,000 employees across the country, and is managed by its President, Frank A. Taylor. The company appears to specialize in student loan collections. Litigation files viewable at the PACER (Public Access to Court Electronic Records) website reveal that people who felt they were being harassed by GC Services, LP ultimately stood up for themselves in court.
Alleged Violations against GC Services, LP
According to PACER, on or about February 19, 2016, GC Services, LP allegedly called a Wisconsin resident in an attempt to collect a debt. The plaintiff claimed that in the resulting voicemail, the caller simply asked him to return the call to GC Services and did not identify the company as a collection agency. He also alleged that he never received a debt validation letter within the required five-day period.
Feeling harassed by GC Services, LP, the plaintiff hired a consumer attorney and sued the company for violating the FDCPA by failing to identify itself as a debt collector in all communications.
The matter was later dismissed.
Hire an Attorney
The phone numbers for this collection agency include:
- 1-713- 812-3101
If any of these numbers appear on your caller ID when the phone rings, it means that you are being called by GC Services, LP. If they fail to reveal themselves as debt collectors in every communication with you,, hire a consumer attorney. Such a lack of transparency is illegal under the FDCPA, and if you file a claim against GC Services, LP and win, you could potentially receive $1,000 per FDCPA violation. Stand up for yourself when a debt collector goes too far, and it could literally pay off.
*Case taken from PACER (www.pacer.gov). File number is Case: 3:16-cv-00201-bbc from the United States District Court for the Western District of Wisconsin.
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against GC Services, LP