does anybody know about GC Services? help!

Best way tpo find out is to call Citi and see if they have sold the account. At 180 days late, it has likely been charged off.

GC Services has a reputation for scaring people, they come across as tough collectors. Stand strong, do not cave in, simply offer them a percentage of the amount owed, 25% is good lump sum and stick to your guns. They will call you at work, make sure to send them via registered mail with a return signature card a Cease and Desist Letter.

GC can get nasty, your best bet is to try to settle the account with them, 40 to 50% savings with these guys is not a bad deal if you can come up with the money. Meanwhile, do a google search for ????How To Get The debt settlement Deal You want????, you will find interesting information there.

I worked with GC Services in rehabilitating my student loan and I have to say they were not bad to work with at all. I understand that everyone can have a different experience BUT from my personal situation...they held up their end of the bargan. They did not harass me and all of my communication with them was pleasant.

I hope everything works out for you.

I have also dealt with them in the past. They were actually one of the better ones to deal with. I couldn't afford what they originally wanted and they agreed to let me pay something that I was able to afford. No harassment from them at all.

I have a 10000 credit card over due I can come up with 4000 lump sum ...will that work?