I received a call from this number and he is collecting in behalf of American Express and they are giving me an option how to settle my past due....at first I am so desperate to make transaction but when they want to get my information I could sense something and I stopped make some excuse to hang...Please if you received calls similar like this, check the web site ans the legitimacy of the company.

Called my work when I wasn't there.  The person who took the message tried to field the call. The caller identified himself as john rougas. My coworker asked if I would know him and he said no not yet.  I'm not calling back.  

don t know what they want  no bussiness with this company

GC services called my work phone at 1:30 am.  (didn't answer obviously) 5:30 am (again didn't answer obviously)  then again at 7:30 am... which I did answer because my office phone is forwarded to my cell phone, so she got me before my morning coffee, barely awake and driving to work.   The lady was incredibly rude, and said she was calling because of the amount that I owed american express, got turned over to collections; which - I do owe them.  I just haven't been able to pay because I got in trouble with the law and I'm having to pay the people who can put me in jail first before I start to pay the people who can't.  She basically politely called me a loser, and didn't pay any attention to my explanations of why - tried threatening me, and basically just demanded I pay them.  So I politely told her that her life was worthless and her and people like her were the reason that America was in the dire financial situation it's in right now, because you can only bleed the working class dry for so long before they just have nothing left to give - along with a nice stress relieving string of vulgarity that would make most 10 year olds cry.... and hung up on her.  

That shut them up for a while, so they tried calling again (again on my work number instead of trying my home or cell phone first after I told her last time that I could not receive personal calls on my work phone and to erase my number).  This time there was no one there, I think they were call screening to see if anyone answers, so right now I'm expecting them to call back with a real person on the phone - who again... I plan to tell to jump off the highest building they can find.  

So we're all on the same page - there's just nothing left right now, OWI's are the most expensive common charge you can get almost I think and I'm working on paying it off right now.  AMEX will jsut have to wait until tax season, there's just no other way around it.  I'm not losing my house or my car just to shut up GC services, I'd much rather abuse them verbally.

These idiots have called my house three times looking for someone who (to my knowledge) has never lived there or had my phone number.  How to stop???

http://www.budhibbs.com/collectorpages/gc_services.htm
GC Services, LP
6330 Gulfton  PO Box 2667
Houston, TX 77081
Phone: 713-777-4441
800-727-5848
Fax: 713-776-6689
Web Address: www.gcserv.com
Are you a former or current employee with GC Services?

We need your insight. Drop us an email - we?ll keep your ID secret... Email Us



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Bud Says                         Consumer Comments Below

General Collection Services is consistent violator of FDCPA and FCRA in their inability to follow the law. A longtime collector for American Express, their continued ability to keep that plum client is a mystery - until you see how it's done by reading comments from consumers.

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.


Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    

The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

This number also keeps calling our house.  When I tell them the person does not live there they don't believe me.

Called, but did not leave a message, called back answering machine of rep who works for GC services?  Googled - #&GC services, and found this site.  Collection agency wants money, but no money for them?  Now what?  I waiting for my bailout from the government too.  Stop using credit cards...  put these miserable f*#ks out of business.

Thanks for this site - yes, this company has resorted to calling our neighbors teenagers cell phone numbers trying to get info about someone.

They are a collection agency GC services for American Express.

Placing a Better Biz Bureau claim today.

Called and a B.O. Bryant or something like that left message looking for "Jose."  no Jose here but it sounded imp;ortant so left a return message that they didn't reach Jose.  Now have an eerie feeling this won't be the last call I get from them.  Glad this site is here!  What w**ks.

Called back and got machine that they're GC Services.

This company has called my home phone number numerous times.  They will occasionally leave a message for someone who does not live at my address.  I called and asked that I be removed from their calling list, but I am still receiving calls.

G.C. Services Limited Partnership
6330 Gulfton Street, Suite 300
Houston, Texas  77081-1108

They are a collector for American Express.  They call and don't leave messages half the time.  And when they do, they do not say why they are calling or their company name.  Don't they know about caller ID???  I called American Express today and told them about GC's "method" of doing business. The rep was very nice and apologetic.  She filed a complaint against them.  I also sent GC a letter today requesting them to cease contact with me based on the Fair Debt Collection Act.  I copied American Express on the letter too.

G.C. Services Limited Partnership
6330 Gulfton Street, Suite 300
Houston, Texas  77081-1108

They are a collector for American Express.  They all and don't leave messages half the time.  And when they do, they do not say why they are calling or their company name.  Don't they know about caller ID???  I called American Express today and told them about GC's "method" of doing business. The rep was very nice and apologetic.  She filed a complaint agains them.  I also sent GC a letter today requesting them to cease contact with me based on the Fair Debt Collection Act.  I copied American Express on the letter too.

A lady called about 7pmET last night asking for a name of a person that I dont know. When I said they have the wrong number...they thought I was lying and asked if I was the person. I had to insist "no" a couple times before they hung up!

904-306-7486 -- here we go.  Looking for my mother who is in an alzheimers facility.  I guess the last agency forwarded on the number.  It is appalling that you can't block numbers from you cell phone.  They call all day!

This business entity has phoned me numerous times, however, they never leave a message.  Although I've hired an atty. because I'm in bankruptcy, it was my understanding no one is supposed to call us anymore - even though I've done what I was told to do.
If businesses want respect, you have to earn it.  Just because a business is a collection agency does not give them the power of Almighty God.
I wish I could get an address for them so I could write, yet, another letter advising the of proper procedure.
Do I have to do everyone's work for them ?

Got a call looking for my father. They would not say what it was about, they just assumed I'd give out information about my father to a perfect stranger.This company has called in the past once before and again never said what it was about. The U.S Florida Attorney Generals office should look into their practices and shut them down unless they comply with answering the questions when asked "Who are you, and what is this in reference to"  I tried to issue a complaint to the Better Business but when trying to input the info since it wasn't a product or service directly involving me I ran into a block. Any thoughts?  Tim

This "company" called my house 3 times looking for someone no longer at the address.  I provided a forwarding number (which they alreday had), called me a liar and then called my neighbors!

They called me twice using different numbers. It's a call center name GC Services

Received a call saying she was trying to get ahold of one of my neighbors, that their phone wasn't answering.  She asked me to just give them her name and number - wouldn't say why, just that "they'd know."

THIS COMPANY WENT AS FAR AS CALLING MY NEIGHBORS AND HARASSING THEM ABOUT A MEMBER OF MY FAMILY...SNOOPING AROUND ASKING ABOUT US...THEY ARE SOME SORT OF COLLECTION AGENCY...