Is GC Services, LP Calling You?

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 20%, 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.

Is GC Services legit?

GC Services is a legitimate business and any attempt at GC Services reaching out to you should be taken seriously. According to the Better Business Bureau (BBB), GC Services was founded and incorporated in 1989, and established their BBB profile page in 1999. The BBB also notes that “This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.” GC services has approximately 5,700 employees and is managed by Mario Baddour, CEO & President.

According to its website, GC Services, for over 6 decades, “has earned a solid reputation as being a trusted provider of contact center outsourcing services.” The company additionally notes that it provides “ innovative outsourcing solutions tailor-made to improve operational efficiencies and meet business goals.”

Who does GC Services collect for?

GC Services notes that it collects for a variety of different businesses nationwide. Moreover, GC Services collects for automotive financing companies; banking and financial institutions that issue secured and unsecured auto loans, credit cards, property loans, commercial loans, lines of credit, personal loans, first and second mortgages, and home equity loans; government entities, including federal agencies, several municipal governments, and “all types of taxes, student loans, court fines, municipal debts, a multitude of state governmental debts, and commercial delinquencies of all types”; consumer retail lenders; student loan repayment assistance, including “loan rehabilitation, loan consolidation, administrative wage garnishment, administrative resolutions, and associated customer service”; utility service providers; telecommunications companies; tolls, parking, and traffic fines; and many other types of delinquencies.

In regards to its services, the company lists 3 main services on its website including customer care solutions, accounts receivable management, and back office solutions. The collections company states that “[their] qualified teams are dedicated to understanding your specific needs and tailoring solutions that seamlessly flow through and improve the operations of your organization.” GC Services adds, “we bring experience and efficiency to all of our projects so you can rest assured that we will always present your business in the best light.”

GC Services also lists its professional affiliations on its website. The company is in good standing with the International Association of Credit and Collection Professionals (ACA International). GC Services also adds a compliance section on its website, explaining, “We have invested millions of dollars in our compliance structure in order to ensure the necessary controls are in place, and independently reviewed at least annually. We have earned the following certifications: SSAE 18 SOC 1 Type I, SOC 2 Type II, and PCI DSS 3.2.1.”

Though this company leaves information on their website regarding their compliance efforts, the company does not provide resources to website visitors regarding how they have practically met the professional standards imposed upon them.

How many complaints are there against GC Services?

As of June 2023, there are currently 47 complaints posted in the last 3 years on CCI’s BBB page, 7 of which were posted in the last 12 months. The complaints largely allege that the collections company has wrongfully charged consumers with debt, and will not respond to consumer’s attempts at contacting the collections company. Additionally, there are 7 customer reviews on the BBB, awarding the company an average 1 star review. Moreover, the BBB has posted a Notice of Government Action taken against GCS, but has recently removed said warning.

GC Services Contact information

Address: 6330 Gulfton St Houston, TX 77081-1108
Telephone: (713) 777-4441
Website: http://www.gcserv.com

Can GC Services sue me or garnish my wages?

Yes it is possible that GC Services can and will sue you and garnish your wages. However, they are only allowed to do so with legitimate reason, as it is illegal for debt collectors to make empty threats to sue or garnish your wages. Though this practice is illegal, debt collectors are known to take advantage of alleged debtors, proceeding to summon them to court and garnish their wages, so stay on the safe side and contact an attorney if you feel that you are at risk of being targeted by these wrongful collections practices.

Can I sue GC Services for harassment?

Absolutely. You can sue GC Services for harassment and you should if you wish to enforce your rights and recover money for GC Services’ violation. In fact, the Fair Debt Collections Practices Act (FDCPA) protects consumers like you, awarding damages of up to $1,000, plus attorney fees and court costs to victims of wrongful collections practices. Take advantage of the federal laws that are meant to protect consumers like you, and contact an attorney if you are at risk.

How often can GC Services Call?

GC Services can only call within federally designated guidelines, meaning if they violate these laws, you are able to sue. More specifically the TCPA protects consumers from repetitive phone calls from debt collectors. Additionally, In November 2021, the CFPB’s Debt Collection Rule clarified that a debt collector is presumed to have violated the law if they place a telephone call to you about a particular debt

• More than seven times within a seven-day period, or
• Within seven days after engaging in a telephone conversation with you about the particular debt.

Even if GC Services’ alleged violation does not fall into the categories mentioned above, it is still illegal for a debt collector to call you with the intent to harass, oppress, or abuse you.

How to stop GC Services calls?

You can stop GC Services calls in two important ways, filing a complaint, and obtaining assistance from an attorney. Your attorney will utilize the Fair Debt Collections Practices Act (FDCPA) to provide you protection from improper collections practices. The FDCPA prohibits actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. Additionally, you can receive additional protection under the FCRA and the Telephone Consumer Protection Act (TCPA), as well as the Consumer Financial Protection Act (CFPA). You may have a case if..

• 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 receiving calls at work from a debt collection agency
• Debt collectors are calling your family, 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

Does GC Services hurt my credit score?

Yes, if GC Services has contacted you regarding an alleged outstanding debt it is possible that they will report the alleged debt to a credit bureau. You can prevent this from occurring, or remove the credit report if it has already been reported by contacting an attorney for assistance.

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