To Stop calls from 8008466406, you should send a cease-and-desist letter. You can also request for debt verification by sending them a debt validation letter.
If you are someone getting continuous calls from 800-846-6406 and are curious about who it might be? This number belongs to GC Services, a debt collection agency based in Houston, Texas.
This is a private outsourcing call center and debt collection agency in North America with over 7,500 employees who are trained to persuade consumers to repay their student loans and other debts.
GC Services Limited Partnership has been a Better Business Bureau (BBB) accredited business since 2011 with an A+ rating. However, despite this high rating, the company has faced numerous complaints and allegations of violations under the Fair Debt Collection Practices Act (FDPA).
Consumers have reported that GC Services has:
- Called about a debt they don’t owe
- Contacted them at work, even after being asked not to
- Reached out to family, colleagues, and friends
- Continued to call after receiving a legal letter asking them to stop
- Called before 8 am or after 9 pm
You can put a stop to these calls from GC Services (800-846-6406) by understanding your consumer rights and asking them to validate the debt via a Debt Validation Letter.
How To Stop Calls From 8008466406?
Believe me, dealing with debt collectors from GC Services (800-846-6406) is quite frustrating. I have received call repeatedly throughout the day and received several threats of arrest or legal proceedings if you can’t make the payment immediately.
However, the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) provide protections against such ill-treatment.
Here are some strategies you can use to stop calls from GC services:
Maintain a Record of Calls
The first thing that you should do is to record the dates and frequency of calls you receive from 800-846-6406 or any other number associated with GC Services.
Ask the name of the debt collector as well as their employee ID, when you receive the call. Make a note of other details like any of your financial or personal information they already have or if they are showing any of threats or harassment.
Check your state’s laws regarding the recording of phone calls with debt collectors Depending on the State jurisdiction, consumers are allowed to record phone calls without disclosing it to the other person.
However, some states mandate that to inform the debt collector about the call you are recording.
So, confirm this with your state’s laws as legally recorded calls can help in stopping the calls from GS Services in the court.
Send Them A Debt Validation Letter
A debt validation protects you against frauds, paying off a debt that doesn’t belong to you, or being charged an inflated debt amount.
You can take the help of a local Attorney and send them a Debt Validation Letter to obtain the necessary information to verify your debt. This letter should include details about the creditor, a breakdown of the debt, and mention your right to dispute the debt within a 30-day period.
I have seen several debt collection agencies, including GC Services, often prefer to write off the debt instead of investing the time, money, and resources required for debt validation. Therefore, validating your debt can serve as an effective strategy to free yourself from GC Services’ persistent efforts.
Send A Cease and Desist Letter
Sending a cease and desist letter is the most effective method, I have observed so far, to stop calls from GC Services’ debt collectors. This communication instructs GC Services to cease all further contact with you. You can request them to correspond solely in writing or deal directly with your legal representative.
Get Your Credit History Report From Equifax, Experian, and TransUnion
If you believe the debt they’re contacting you about isn’t yours, or if the debt amounts seem excessively high, it’s advisable to get your credit history report from Equifax, Experian, and TransUnion.
Having a copy of your credit report is essential in challenging any unfavorable information and will assist you in identifying any other potential inaccuracies within the report.
GC Services and FTC
In 2017, GC Services agreed to pay a fee of $700,000 settlement with the Federal Trade Commission (FTC) to settle claims of using illegal tactics to collect federal student loans and other debts via phone calls.
Frank A Taylor, their President, made the following statement:
“We are satisfied to have settled this issue with the FTC, which pertains to phone calls made several years ago. We fully cooperated with the FTC’s investigation. We are also gratified that the FTC did not allege any conduct that was abusive, deceptive, or harassing towards our clients’ customers. This settlement will clarify how to leave voicemail messages that comply with the FDCPA, a subject on which courts have disagreed.” – Frank Taylor
GC Services is not immune to legal action; if they persist in contacting you after you’ve taken the steps outlined here, you can report them.
You can do this through your state’s attorney general’s office, the FTC’s online platform, by calling 877-382-4357, or through the CFPB website where you can submit a complaint or call 855-411-2372.
Conclusion
To stop calls from debt collector GC Services from 800-846-6406, send a cease-and-desist letter or request debt verification.
Despite an A+ BBB rating, GC Services has faced Fair Debt Collection Practices Act (FDPA) violations, such as calling about non-existent debts, contacting at work, and persisting after legal requests to stop.
Record calls, ask for collector details, and check state laws for recording. Send a debt validation letter to dispute debts.
Cease-and-desist letters are effective. Obtain credit reports for accuracy. In 2017, GC Services settled a $700,000 FTC claim for illegal debt collection tactics. Report continued issues to authorities.
