Skip to main content
index page

GC Services: Customer feedback and tips to deal with collection calls

Submitted by on Tue, 01/04/2005 - 01:27
Posts: 202330
Credits:
[Donate]

GC Services or GC Services Collection agency seem to be born violators of fdcpa and FCRA .We go to them to consolidate our debts and hope that they follow the book, but they seem to be least bothered about reputation. They always have people to vouch for them.Their services are the worst but I have had no problems of harassment till now. If that too were added the picture would be complete.


I lost my job because of the horrible harrassing people, on debt that isn't even mine, but somehow they think it is. I have filed a complaint and need direction on where to go now to try to get them off of my case which isn't really a case. Where do they get their info????


Submitted by on Wed, 05/19/2010 - 14:30

( Posts: 202330 | Credits: )


GC Services left a call back number and account references number. I called back, gave the rep the number and he put me on hold. After a couple of minutes a recorded voice said, "Goodbye" and I was disconnected. I have no outstanding debts and haven't had for years. Some company.


Submitted by on Fri, 06/04/2010 - 09:45

( Posts: 202330 | Credits: )


I contacted GE Services several time about my student loan hardship request..After sending paperwork and forms at least four times,they continually told me that they had not received the paperwork...I still believe they received the form and deliberately tossed them in the trash...When I call to verify their correct fax number the rep dialed the fax number and help it into the phone where I could hear the terrible fax machine ring and she hung up on me.. I am in the process of reporting them to the Department of Education.


Submitted by on Mon, 06/14/2010 - 00:07

( Posts: 202330 | Credits: )


The head lawyer at GC Services isBrad Batig and you can reach him on (713) 776-6508. He tries to keep his name a secret so you can't complain to the Texas Bar about him. Let him have it if they are abusing you. He's also very sensitive about Eric Bernhagen for some reason...


Submitted by on Sun, 06/20/2010 - 14:21

( Posts: 202330 | Credits: )


I also tried to get a job there. They do not want qualified candidates. They want people with no experience, if you have a crimmanl background that is considered an "added job factor". Please wear very little when you go in. Have some type of shady background, dont pass any of their screening especially the drug test.


Submitted by on Wed, 07/07/2010 - 13:37

( Posts: 202330 | Credits: )


I just got a call from GC Services regarding my car payment. I made a partial payment on my due date of July 6th, 2010. GC Services called me and the woman was a rude bitch. So I cussed her out and she decided to note my account as REFUSAL of PAYMENT. I called WFAF collections department and spoke to a supervisor and guess what she told me....? "As of yesterday, they will no longer be using GC Services, they will be handling there PAST DUE PAYMENTS themselves. Glad to hear this, they should have never passed on Customer Account information to an outside agency.


Submitted by on Fri, 07/09/2010 - 09:35

( Posts: 202330 | Credits: )


This company is bad news. Do not give them a credit card via telephone. They are a group of low lives. Beware they hire the worst. The people in charge are not any better. Caution - Beware-Stop. Use mail. Something where you have a receipt.


Submitted by on Tue, 07/13/2010 - 13:59

( Posts: 202330 | Credits: )


I worked for G Services collecting on accounts. If you think what they do to conumers is lowdown and against the law , then you should see how they treat their employees. They currently are being sued for not paying regular wages and overtime. They withold breaks and even go as far as to prevent you from taking a bathroom break. When you vocalize your opinion you become targeted for writeups and silently threatened with termination. They do harass customers, and the clients that hire GC are in many cases not even aware of it. This company has is satan incarnate!


Submitted by on Sat, 07/24/2010 - 08:50

( Posts: 202330 | Credits: )


I wonder how many auto purchasers would purchase a vehicle if they knew who handled their customer and account information. I have personally witness as an employee the fraud that is committed by some employees when you provide them with your checking or debit information over the phone. I have actually filed complaints against other co-workers for doing this and I was the one who was put on the spot and was mentioned as the one who made the complaint, no professionalism on their part. GC hires people at below average wages and expect above average performance, the employees are treated worse than cattle at a cattle auction, constantly being prodded and knocked down. The excellent workers are made to feel incompetent while below par workers seem to be esteemed by this company. They do hire just about anyone off the street with no comprehension of Federal Laws or financial contractual obligations. Its time we all fight back togeather!


Submitted by on Sat, 07/24/2010 - 08:57

( Posts: 202330 | Credits: )


Quote:

Originally Posted by Anonymous
You people cry and complain about collection calls and how you are treated. PAY YOUR DEBTS ON TIME. It's that easy to avoid any collection agency. Don't be a dead beat and you wont be treated as such. Just a little advice from a BILL COLLECTOR.



If you have no Money you can't pay. Hire me and I can pay my Debt. CANCEL THAT.


I'm not that kind of a lowlife. MY PARENTS WERE MARRIED BEFORE I WAS BORN. Sue Me and I'll talk to the judge. At least he/she has three brain cells that function at the same time...

I don't qualify to be a collector. I'm not a Bastard like many of you collectors.


Submitted by on Fri, 08/06/2010 - 15:00

( Posts: 202330 | Credits: )


You are extremely narrow minded and probably do not qualify to be a collector at most repulable agencies. There are thousands of agencies in the US....you only hear about the bad ones. Even the good ones will get complaints but that is the nature of the business. The agency I worked for, you had to have a BA or above and had to go thru massive screening due to the fact we were working government paper. It is a good job, you never get laid off and if you go in with the right attitude, is fun!

fyi....you can talk to a judge until you are blue in the face. No money....they gonna get their judgement.


Submitted by SOAPLADY on Fri, 08/06/2010 - 15:23

SOAPLADY

( Posts: 17315 | Credits: )


Again they are looking for people to apply to work for them. The last herd they hired was not low enough. This company has not learned their lesson -until you get out of the gutter and stop hiring people in the gutter will you stop having this massive turnover.


Submitted by on Tue, 08/31/2010 - 17:13

( Posts: 202330 | Credits: )


I have been reading alot of complaints about GC Services and I am learning that they are a rip off. I went to college with the intent of making a better life me and my children since I had obtained a divorce from my husband. I had to take out a student loan which was very hard for me since my credit was bad. I finally got a job that did not pay as well as I thought they should but I needed to work and take care of my family. After a couple of years, I recieved a call from GC Service Rehab department stating that I needed to begin payments and that my loans were at default. I agreeded to begin payments. I informed them that I wasn't making much and I had 4 children and one is disabled (ADHD). GC services told me that they do not consider family situations when satting payments. They started out wanting 1040.00 per month, than 750.00 per month and now 450.00 per month. I told them that the payments were too high and that I am a single parent with children. I have children in school. They basically told me they didn't care. I begin payments but they would not set for my pay dates. They would not work with me at all. Therefore when I am late, they would call my job. Speak to the finance lady about me. They would call the director and ask questions about me. They call my desk several times and made smart remarks. It got so bad until my Blood Pressure was out of control and I had to make a Doctor's appointment. To make a long story short, these people have no heart when dealing with the public especially single parents.


Submitted by on Wed, 09/22/2010 - 10:41

( Posts: 202330 | Credits: )


Why would taking out a student loan be hard?? Federal student loans are NOT credit based.

FYI...there is no such thing as a "rehab" department. Almost every defaulted loan is rehabable...all collectors are encouraged so set up accounts to qualify.

Who is the guarantor of your loan?? Did you ever file a complaint? How much do you owe?


Submitted by SOAPLADY on Wed, 09/22/2010 - 11:41

SOAPLADY

( Posts: 17315 | Credits: )


Dear Thread and All Other Victims,
If any of this has happened to you - the payments without documentation, no notices being received from this company, non-credit for payments, possible misrepresenting themselves as agents of the government, etc. - report it to the Better Business Bureau in your community, the Department of Commerce of the U.S. government, your state's Attorney General, the police department in your community, etc.
I don't know if they really represent the government. It doesn't sound like it. The government would communicate with you directly. It sounds like they have either tapped in to private government info through computer hacking, credit report hacking, or illegal insider information leaks. If I were you, I would not even speak with them, and definitely don't send them money. Send it only to the authorized payment center that is listed on the back of your ticket or in your student loan information.
I would not listen to them on the phone. Don't let them scare you or intimidate you. Don't give them any of your private information, such as account numbers or balance information. Don't return their calls. Talk only to the government agency or police office involved in your problem. The U.S. government, state officials, and local officials don't usually use collection agencies. I have never heard of this. I believe these people are an illegal group of scam artists. It is almost like a "fishing" for information and then a coercion to get money out of you. Don't tell them anything about your loan history, or give them or confirm any personal information about yourself, your family, your friends, your neighbors, etc.
From a U.S. citizen who thinks something suspicious, probably illegal, criminal activity, is occurring in that company.

Quote:

Originally Posted by Anonymous
This is all sounding so horribly familiar!
About 8 years ago I tried to go back to school and managed to accumulate a large student loan debt but no degree. Almost immediately after that my husband lost his job and was effectively unemployed for 3 years. During that time the student loan moved to default status.
In August of 2005 I recieved a letter that appeared to be from The Dept. of Education regarding this student loan. (I say "appeared" because in researching I've found that this company has been slapped at least once for sending collection letters out that look like they're from DOE but are not.) I called the number listed which connected me to GC Services. I didn't know it then but I was now on the fast track to collections hell.
At the time they offered me an opportunity to "rehabilitate" this student loan, which would remove it from my credit report as a delinquent account and put it back on as a new loan. It would also give me the ability to get student loans again which was important becuase I've been trying to go back to school so I can improve my income. They repeatedly pressed for checking account or credit card information that I was unable to give them. My husband and I decided a long time ago not to have a checking account or credit card - cash and money order only. Finally, they told me they could get me in the program IF I made 3 consecutive payments of $160 (one pmt a month for 3 months). I asked for written documentation of the agreement. They told me that I would get a "packet" once I'd completed the 3 months. This seemd suspicious so I called DOE. I was assured this was a reputable company so I agreed. After we'd made 2 of the 3 payments, the person we'd had the agreement with suddenly vanished from the company. At this time we discovered that what I actually had was 2 loans, and the smaller loan was ineligible for the program. I spent the next 2 months paying off that smaller loan, then made NEW arrangements to get into the Rehab program with a new person. At this time I did call to complain to DOE about the problem and was told that it must have been a simple mistake and there was nothing they could or would do. We started again in January and made the Jan. pmt and the Feb pmt.
When I called today to let them know I was sending in the 3rd and final payment I discovered that once againt the person I had the agreement with was no longer with the company. I was then transferred to the "Garnishment" department and a very rude woman. In the course of a VERY long phone call I was told that they had no record of this agreement and that since I didn't have written documentation from them it wasn't valid. She told me that she could see that I'd paid off my car in December so why couldn't I pay this off? (I paid the car off with a $2,000 gift from my parents, BTW.) She then told me I could use the car for collateral. When I asked what for she told me I needed collateral to get into the Rehab program. This was NEW! I told her that would not be possible since we were in a serious accident Thurs. and the car was totalled. She was quite rude at that point. She continued to go on about all the loans we'd paid off and how she hated to have to ruin our credit because of this - even though I pointed out that the car loan was the ONLY loan we'd ever had. She then told me to go to the bank and get a loan for the full $17,933.68 remaining. When I told her that wasn't possible (literally - how do you get a loan like that with bad credit and no collateral even if you wanted to?), she basically went off and told me they would be garnishing my paycheck. The paycheck by the way, that netted me $7,000 last year, so they're guaranteed to get LESS from that than I'm paying now!
I'm sending in the pmt. tomorrow as agreed and I'll see what happens. My next step is likely to be the state Attorney General and a lawyer.


Submitted by on Fri, 10/08/2010 - 07:59

( Posts: 202330 | Credits: )


Dear Victims,
The lead article brings out an important detail. Without their letters, which they didn't send you, you have no solid evidence in court. That's why they didn't send anything in writing.
What can you do? Have a recording device hooked up to your telephone. When they call, turn it on and record everything they say. Pump them for the information they have on you. Ask them how they obtained this information. Ask them to explain what they want you to do. Give them no additional information. Confirm no loan or debt information to them on the phone. Ask the person to whom you are speaking to give you their first and last names. Ask to speak to their supervisor. See who comes on the phone. Ask the supervisor to identify themselves fully. Make sure the company persons state that they are from that company in the telephone conversation. Ask for their return call and mailing information so you can contact them later. That will give you a "phonorecord" which IS legal evidence in court. Especially record any harassing that they do, but not out of context. Record the entire conversation and don't edit anything out of it. Make a back-up copy of the tape and store it in a safe place.
Don't say anything confrontational. Keep it business-like. You don't want to be accused of beginning a confrontation. Then the evidence for a harassment case probably wouldn't hold up in court. Just attempt to ascertain their identity as a company and the facts about you that they have obtained. If they have previously scammed you for money, not credited your payments to them, not confirmed monetary payment agreements in writing as promised, state this on the telephone to the representative and supervisor. Ask them both to comment on those facts.
Please pay your debts directly to the government agency who issued the traffic ticket or loan. A student loan is not a grant. A student loan does have to be repaid, even if you drop out of school (after the "drop deadline" or even if you fail the class. Hope you don't do either.
Don't fall for this company's scams any more. It would also be a good idea to call the loan- or ticket-issuing agency of the government to see if they have contracted with this company for collection. If they haven't contracted with them, report their misrepresenting themselves to the highest officer at the government office or police station. If there has been any scam-type or harassing activity, also report that to the government office or police station highest official.


Submitted by on Fri, 10/08/2010 - 08:59

( Posts: 202330 | Credits: )


Quote:

The U.S. government, state officials, and local officials don't usually use collection agencies. I have never heard of this. I believe these people are an illegal group of scam artists.


Time to get your head of the sand buddy....federal, state, local and city goverment have been contracting with collection agencies for years.

FACT
Student loans have been collected by outside collection agencies vendors for years....GC services has been a vendor for probably 20 years.
http://www2.ed.gov/offices/OSFAP/DCS/collection.agencies.html
I know NCO collects for the State of Florida and other states contract out all over the place. Even the IRS uses or used CA's.

In most cases, the goverment or agency has billed the debtor and has not been paid, probably multiple times. Simple fact...once a CA is involved on a third party basis which is the case with most government accounts, the agency no longer wants to deal with you. You had your chance to pay so now it is their choice that you deal with the CA.


Submitted by SOAPLADY on Fri, 10/08/2010 - 09:15

SOAPLADY

( Posts: 17315 | Credits: )


Quote:

Originally Posted by Anonymous
These people are garnishing me for an old student loan - at least threatening to. Now, the gov shows I'm not in default on any student loan - and I only had government loans, and these idiots refuse to provide any information on the loan or even their company info - I had to google the number from Operations Division. They told me they were going to attach a house that I no longer own.... When I said I wanted to consolidate they said I couldn't and the NASTY A$$ supervisor came on line and said I would be garnished next payday. Just whom do I register GC Services complaints with?



If they are collecting on syudent loans there is no statue of limitations, and they can garnish your wages levy your bank account, or apply liens to your home, with out taking you to court. In addition if you have a professional license they cantake that away too.

HOwever, call them and try and get in a rehabilitation program you may have to pay 50 extra for 6-9 months but once the loan is considered rehabed the ganishment will stop.

You can also try to get into the W. D. Ford program, it an income contingent program.


Submitted by on Sat, 10/09/2010 - 06:56

( Posts: 202330 | Credits: )


If you had not ignored it or talked to them and worked out apayment plan you would not be garnished.

We send you a letter giving you thirty days to get into a paymetn plan and rehab the account for less than your garnishment would have been. You choose to ignore it.

If you had made the paymetns you wouldn't be garnished I haveno sympathy for you.


Submitted by on Sat, 10/09/2010 - 07:08

( Posts: 202330 | Credits: )


Actually they have aheart but they didn't tell you to have children you couldn't afford,
you also could have been making payments for the 9 months and then get into the W. D. FORD Program which would have given youpayments, however oncwe they intiate the garnishemnt you are out of luck it cant be stopped. AND no they dont have to take you to court, and bankruptcy does not dismiss the debt.


Submitted by on Sat, 10/09/2010 - 07:12

( Posts: 202330 | Credits: )


Quote:

Originally Posted by Anonymous
If they are collecting on syudent loans there is no statue of limitations, and they can garnish your wages levy your bank account, or apply liens to your home, with out taking you to court. In addition if you have a professional license they cantake that away too.

HOwever, call them and try and get in a rehabilitation program you may have to pay 50 extra for 6-9 months but once the loan is considered rehabed the ganishment will stop.

You can also try to get into the W. D. Ford program, it an income contingent program.

WRONG WRONG WRONG. Federal student cannot levy bank accounts or lein property without a court order...they can garnish wages but NOT bank accounts.
They cannot take away licensing....it can be revoked the next time you come up for renewal but not take it away .

Rehab...the payment over and above the garnishment is based on what you owe....it is 9 months per the HEA...not six.


Submitted by SOAPLADY on Sat, 10/09/2010 - 14:26

SOAPLADY

( Posts: 17315 | Credits: )


Quote:

Originally Posted by Anonymous
I have never been bullied, called a liar and unaccountable by anyone in my life before this raging loser. GC uses their job as a sorry platform of power and uses low-levels of antagonistic and bullying behavior to try and scare customers. When I told them I had nothing, they continued to try and scare me with the "unknown" of what could happen.
They have completely violated my privacy and gave me zero respect. How they feel their getting anywhere, I am not sure?



Gc services helps you out. Just cause you want to borrow money and think you don't have to pay it back doesn't mean the people at G.C. aren't trying to help you. Why don't you do a little more research about a couple programs they can get you into and take a little more responsibility about you finances. Man up!


Submitted by on Thu, 10/28/2010 - 12:57

( Posts: 202330 | Credits: )


Quote:

Originally Posted by Anonymous
I have been reading alot of complaints about GC Services and I am learning that they are a rip off. I went to college with the intent of making a better life me and my children since I had obtained a divorce from my husband. I had to take out a student loan which was very hard for me since my credit was bad. I finally got a job that did not pay as well as I thought they should but I needed to work and take care of my family. After a couple of years, I recieved a call from GC Service Rehab department stating that I needed to begin payments and that my loans were at default. I agreeded to begin payments. I informed them that I wasn't making much and I had 4 children and one is disabled (ADHD). GC services told me that they do not consider family situations when satting payments. They started out wanting 1040.00 per month, than 750.00 per month and now 450.00 per month. I told them that the payments were too high and that I am a single parent with children. I have children in school. They basically told me they didn't care. I begin payments but they would not set for my pay dates. They would not work with me at all. Therefore when I am late, they would call my job. Speak to the finance lady about me. They would call the director and ask questions about me. They call my desk several times and made smart remarks. It got so bad until my Blood Pressure was out of control and I had to make a Doctor's appointment. To make a long story short, these people have no heart when dealing with the public especially single parents.



Awww to bad for you! Lets all sit back and cry for the lady who takes money from the federal government to get help on whatever it is you need help with and now she doesn't want to pay it back. Call G.C. Services 877-551-9777 and ask about a W.D. Ford program. You can pay $5 payments and you won't get garnished and be out of collections in 2 months if you do the paperwork. Nobody cares about your blood pressure and it wouldn't be so high if you made the right decisions. A little hint for next time. Don't take Federal money if you have no means to pay it back!


Submitted by on Thu, 10/28/2010 - 13:03

( Posts: 202330 | Credits: )


Quote:

Originally Posted by Anonymous
Dear Thread and All Other Victims,
If any of this has happened to you - the payments without documentation, no notices being received from this company, non-credit for payments, possible misrepresenting themselves as agents of the government, etc. - report it to the Better Business Bureau in your community, the Department of Commerce of the U.S. government, your state's Attorney General, the police department in your community, etc.
I don't know if they really represent the government. It doesn't sound like it. The government would communicate with you directly. It sounds like they have either tapped in to private government info through computer hacking, credit report hacking, or illegal insider information leaks. If I were you, I would not even speak with them, and definitely don't send them money. Send it only to the authorized payment center that is listed on the back of your ticket or in your student loan information.
I would not listen to them on the phone. Don't let them scare you or intimidate you. Don't give them any of your private information, such as account numbers or balance information. Don't return their calls. Talk only to the government agency or police office involved in your problem. The U.S. government, state officials, and local officials don't usually use collection agencies. I have never heard of this. I believe these people are an illegal group of scam artists. It is almost like a "fishing" for information and then a coercion to get money out of you. Don't tell them anything about your loan history, or give them or confirm any personal information about yourself, your family, your friends, your neighbors, etc.
From a U.S. citizen who thinks something suspicious, probably illegal, criminal activity, is occurring in that company.



Way to help out others with you clever investigation skills. Idiot. This is why you didn't finish school and you loans went into default. For one how could G.C. Services still be around if they were hacking into government info. Do you really think the government will just pick up the phone and talk to you about to $10,000 student loan? Oh yeah, call the police moron they've been on are trail for years and your the one with all the info to put G.C. in the big house. Do you really believe yourself? Think about it, just about every major company... i.e someone that funds federal student loans, uses a collection agency. Just cause you haven't heard of it doesn't make it not true... it makes you look and sound dumb. You know when you owe the state money and you don't pay them they put you in a collections. Call the cops and ask them. G.C. is legit you can call Sallie Mae and ask or you can take it from a U.S. citizen who is so dumb he can't complete college or pay his own bills, goes into default and someone calls him to say they want to help him and this idiot refuses to respond saying its illegal for anyone to know his info. Hey buddy I'm willing to bet this isn't the only thing you have in collections. Get a grip!


Submitted by on Thu, 10/28/2010 - 13:17

( Posts: 202330 | Credits: )


thanks for this information. i posted on another thread: GC Services called me October 31, 2010 and i called back twice, once on October 31, 2010 in order to get their address so my attorney could send papers showing that my suit against institution that provided them with the charges (Columbia University) was alleging bogus charges and the second call November 19 to confirm that GC had received the papers; i was told today that GC Services does not want to speak with my attorney, does not care about the court filing and that if i don't agree to payment plan this evening that they would garnish my federal income tax returns and wages. More, and this was the weirdest part that encouraged me to google GC to make sure they were really a US Company, the woman i spoke with kept laughing. it was surreal. She kept laughing and saying let's start this on the right foot, let's get onto the right foot, all the while and in many under-educated rough around the edges ways telling me that legal documents were not relevant. i finally just hung up on her. i am not communicating with them again in anyway other than writing.


Submitted by on Fri, 11/19/2010 - 19:15

( Posts: 202330 | Credits: )


and, I just heard from my attorney who spoke with NY Attorney General Office associate and we are sending GC (and the AG's office) the documents again this coming week. totally unnecessary if that rep. assigned to my file number had stopped laughing and disregarding the particulars. we are so communicative with all parties involved, GC took this in a direction it didn't need to but maybe usually makes more money this way? i was given a different address than the one above; i'm guessing we will send the docuements to both GC addresses.


Submitted by on Fri, 11/19/2010 - 19:30

( Posts: 202330 | Credits: )


no the amounts that they are trying to collect are brought to them by the school and once GCServices is informed that there is this suit of bogus charges they have to stop contacting me. if i never informed them they could carry on; but i have tried to and my attorney has tried to. apparently they are not acknowleding receipt of those papers thinking that then they can pursue the $. silly of them because though they have to wait until court makes decision, they can only lose out by feignng ignorance/non-receipt of copies of court papers,etc. the rep. even went so far as to say that she had never spoken with me on october 31 until i reminded her that she had given me address to send court docs to. then she tells me that they didn't receive them. both statements are not true. i am though going to take back the statements i made about her being undereducated because i've read more entries within this thread and she is just working in a bad enviornment; this isn't her fault. I would love to get the names and contact information of senior management; she is just acting accoreding to their guidelines.


Submitted by on Sat, 11/20/2010 - 05:50

( Posts: 202330 | Credits: )


can anyone provide me with contact information for senior management? i went onto the company site and wasn't able to access that information. my case is - for other reasons - being followed by members of media (1 national news magazine & one national news network), and this threat of garnishing my wages, federal income tax returns, harassing phone calls (that don't acknowledge speaking with me on one date, don't acknowledge receipt of court papers, etc.) helps me explain how damaging the bogus charges have become, i.e., contact and threats from GCServices. of course, i have to show communication with them and the phonecall center oscillates between having spoken with me/not having spoken with me.


Submitted by on Sat, 11/20/2010 - 05:58

( Posts: 202330 | Credits: )


You are just not getting it. Well neither is your attorney.

You went to school. You applied for financial aid. A lender gave you your loans and the school was paid.
You defaulted on those loans...the lender forced your guarantor to pay the claim. Your guarantor then hired GC services. There is no connection between GC services and the school. The fact that you are suing the school means nothing to them...it is not relevant to their client (your guarantor) or the money you borrowed per your prom note.


Submitted by SOAPLADY on Sat, 11/20/2010 - 14:51

SOAPLADY

( Posts: 17315 | Credits: )


I appreciate your perspective but I think that I am going to let the courts decide all of this because no matter what we all say on this blog, our opinions are subordinate to the court. (is the moderator of this forum employed/benefiting from GCServices in any way?)

Once you excuse the 'hyperness' of GCServices representatives' dialogue the actual argument here is very well regulated.

I'm just happy that I have an attorney, we are already filed and keeping up with all relative dialogue...apparently with better records than GCServices itself.

I hope that everyone who is contacted by GC Services recognizes that no matter how frazzled and intense GC Services communications are on the phone, that the process is regulated; so, If you are contacted by GCServices and anything that the GCServices representative says is inappropriate, contact your local AG's office as well as that of your local congress people's constituent services offfices. And, don't forget take notes on all communicaitons: dates, times, persons spoken with, what is said, if possible record the calls just so that your notes are accurate, etc. And, as I did, put all communications in writing and send to them registered-certified. GCServices can still deny speaking with you and/or receiving correspondences but if you have record of that mailing, the judge will honor the US Postal receipt.

Most of this is a result of their reprepsentatives not being well enough trained in these issues. It's not their fault.


Submitted by on Mon, 11/22/2010 - 08:15

( Posts: 202330 | Credits: )


And, one more thing, when GCServices contacts you the representative rushes through giving you their names and some ID# (both times that i spoke with them), make them slow down and repeat the number and name you have been given until you are sure you have it right. i asked the woman to slow down so that i could take down her name and ID#, and this upset her and this is when i was told we needed to get on the right foot, i.e., it shouldn't upset the GC Rep. to be asked to repeat her name and number; GC Rep. should want you to have accurate name and identification numbers.


Submitted by on Mon, 11/22/2010 - 08:19

( Posts: 202330 | Credits: )


What I trying to point out if you read my post is that lawsuit does not involve or apply to GC services or their client, the guarantor of the loan,. They appear to be suing the school. The loan agreement was NOT with the school, it was between the borrower and the lender. Lets put it another way.....you go to a car dealership and buy a car. You take a loan out thru your bank. The car has problems and you sue the dealership. This lawsuit would not involve the bank .....they dont guarantee the viability of the vehicle.

GC services does not have to acknowledge any legal action you have with an outside party...it doesnt involve them, and speaking with your attorney will not change or stop their course of action.

You attorney is an idiot if he has not figured out the relationships or lack of amongst the different parties.


Submitted by SOAPLADY on Mon, 11/22/2010 - 08:25

SOAPLADY

( Posts: 17315 | Credits: )


Something tells me that in this lifetime you really are not and probably never will be in a position to label my attorney an 'idiot', am I right?

GC Services is going after an amount of debt that is not correct. Though they deny speaking with me and receiving written communications from me, I have confirmation that they do indeed now know this. If they don't acknowledge this via conduct of normal business correspondences then it will be acknowledged in court. Disputes such as this that can't be settled through normal b-communications are what our court system is for.

Your input amounts to nothing more - and I have read this thread thoroughly - than street corner
urban legend sharing and I hope that it does not discourage other people with legitimate disputes from relying on their rights, contacting their local congressional representatives and AG's office, etc.

More: even people who are not USCitizens - but who are here with green cards, should know that they too can contact their local representatives with complaints about GCServices collection tactics.

I wish everyone was as fortunate as I am to be able to have reliable, ongoing legal representation. I know it's something that I should be - and I am - truly grateful for.


Submitted by on Tue, 11/23/2010 - 09:50

( Posts: 202330 | Credits: )


Whatever....good luck in court., When the judge tells reiterates what I have said, you will be slapping your forehead.

GC Services is CA for both the Department of Education and several FFELP lenders,. Maybe you should be logging into NSLDS to see what you borrowed and how much you owe. Then add your collection fees. GC services only collects what they are told to collect by the guarantor....they don't make up numbers. Has your reliable legal rep suggested this yet?

As a canadian attorney, an ex student loan collector and a financial aid officer, I feel more than confident that your attorney is an idiot. As I have said before, suing the institution will have no bearing on your loans.


Submitted by SOAPLADY on Tue, 11/23/2010 - 10:33

SOAPLADY

( Posts: 17315 | Credits: )


Now I see the problem, you are a canadian attorney; the canadian attorneys are not able - there are exceptions but on a regular basis - to understand the USA laws,i.e. as a group, the canadians obv. can read them, but have trouble grasping the laws as they work in the USA. Just cultural differences. That said, you should keep yourself on the otherside of the border. I am currently discussing projects with canadian government, including attorneys, and we talk about the need to address this problem all the time. Of course those canadian attorneys are smart enough to know that there is a 'translation' problem, whereas you are not.

Of course, my attorney and I are aware that GCServices is only reiterating bad numbers that they have been given. In this case, GC Services is only culpable for the way that they have gone about trying to collect on false information. They are not responsible for the false information.


Submitted by on Fri, 11/26/2010 - 09:32

( Posts: 202330 | Credits: )


i deleted the last three posts as attacks on SOAPLADY will not be tolerated.btw GCSERVICESNYCOURT your lawyer is a leech that gives attorney's a bad name.what SOAPLADY stated will happen,and your leech of a lawyer will still stick you with the bill.then you can come on and rant about that,but stupidity aimed at a particular member will not fly here.at least while i'm around.


Submitted by paulmergel on Thu, 12/30/2010 - 10:28

paulmergel

( Posts: 15514 | Credits: )


Thanks Paul but the poster is just showing his ignorance so I ignored it. Obviously he hasnt ventured outside his little box to understand that both the US and Canada laws are based on common law and are really not that different. Laws vary from province to province as they do from state to state and understanding and applying US law is no different than applying the laws from province to province.

He will probably come back crying the blues when the judge laughs him and his attorney out of court for suing the wrong party.


Submitted by SOAPLADY on Thu, 12/30/2010 - 16:12

SOAPLADY

( Posts: 17315 | Credits: )


I contacted the FTC which took me to the Fraud department at the National Do No Call Registry. Everyone receiving these calls should go and report them. They are trying to get money out of people that are not in collections. It's sick that people actually would give their SSN and bank information to someone they don't know. It's extortion & I hope the FTC does a full probe on them.


Submitted by on Thu, 01/06/2011 - 07:04

( Posts: 202330 | Credits: )


I have a question, how many years do it take for u to be in default before the gov't issue an offset to garnish wages & taxes. I graduated in 2007, I started paying in august and stopped a month later cause I lost my job, but my acct has been with GC since January 2010.


Submitted by on Mon, 01/17/2011 - 12:04

( Posts: 202330 | Credits: )


Its not so much a worry if you dont have debts with them. Its when you owe debts to multiple contracts serviced by GC. They dont share information with outside sources but....if you have a tax debt in Michigan and a federal student loan debt....whammy...they put the hurt on you by pursuing you through the combined information of both offices


Submitted by on Wed, 02/02/2011 - 15:35

( Posts: 202330 | Credits: )