G. C Services GC SVC will accept checking account information only to pay a bill. Houston Texas

The fact that bill collectors break laws makes them vulnerable to the very laws they break. Don't mess with the consumer.

Bill, sorry about the whole summoning you thing. Like you are Genie and I am Major Nelson. The point you have to realize is we all have things that happen in our lives that are truly wrong and not by our own doing. Circumstances suck I was not pleased when my husband died. It made things uncomfortable for my children. A lot of crying sorrow pathetic grief that I am sure no one in your family would have tolerated. The fact that GC services ever entered the picture was wrong. So quit defending your life as a heartless bill collector. The one job that demands no education and requires you sell your soul and refuse to have empathy for all other mankind. Well, gotta go now I have a lifeand poor dear Bill, none of us are grammatically correct in these situations don t take it so personally. Try to relax a bit. I know it must be hard with all that having to judge others thing you have going on right now. Relax. Just a wee bit.

I THOUGHT THAT SINCE YOU KEEP BRINGING ME UP, ILL RESPOND! 1ST OF ALL AMY, SINCE YOUR BRINGING UP GRAMMER & PROPER ENGLISH, fiancee SHOULD BE fiance..LETS GET IN RIGHT IF WE ARE GOING TO THROW THE 1ST STONE!!! 2ND OF ALL, COLLECTION AGENCIES DONT RUIN PEOPLES LIVES ANY MORE THAN THE CORRECTIONS OFFICERS RUIN A CONVICTS LIFE!!! BY THE TIME THE CONSUMER GETS TO COLLECTIONS, THEY HAVE ALREADY RUINED THEMSELVES! HOW ABSURD TO BLAME A COLLECTION AGENCY FOR NOT PAYING YOUR BILLS. BY THE WAY, I DONT HAVE TO USE TACTICS TO GET PEOPLE TO PAY THEIR BILLS. I HAVE BEEN OUT OF THE COLLECTION INDUSTRY FOR A YEAR NOW. I DO CREDIT COUNSELING NOW. I WORK WITH PEOPLE THAT WANT TO GET OUT OF DEBT, DEFAULT, COLLECTIONS OR JUST WANT TO HAVE BETTER CREDIT. ABOUT ONCE A WEEK, I HAVE A DORRIE WALK INTO MY OFFICE THAT BLAMES EVERYONE BUT DORRIE & THINKS EVERYBODY IS OUT TO RIP THEM OFF!!

AS FOR DORRIE, I HAD A LOT OF STUDENT LOAN DEBTORS IN THE TIME THAT I COLLECTED ON STUDENT LOANS. I HAD A LOT OF DEBTORS IN MY COLLECTION CAREER PERIOD. THE ONLY ONES THAT EVER HAD A PROBLEM SETTING UP POST DATED CHECKS WERE THE ONES THAT NEVER PLANNED TO PAY IN THE 1ST PLACE! AS FAR AS YOUR AG COMPLAINT, ALL COLLECTION AGENCIES PAUSE COLLECTION EFFORTS WHILE THEY & THEIR ATTORNEY INVESTIGATE THE COMPLAINT. NOTHING YOU HAVE STATED SO FAR HAS BEEN A PROVABLE VIOLATION OF THE LAW. BUT NOW, YOU HAVE NEW EXCUSES!!! 2 DIFFERENT COMPANIES FAILED TO SEND YOU THE SAME COMPUTER GENERATED LETTERS THAT EVERYONE ELSE GOT!!! HOW ABSURD IS THAT???? ALMOST AS ABSURD AS "These are issues for my lawyer."
"I almost missed the greater monster just beneath the surface." OH NO, ITS DORRIE!!!!! KEEP IT COMING DORRIE I CANT SLEEP AT NIGHT FROM LAUGHING AT PEOPLE LIKE YOU & AMY!!

Amy, to be honest I have not worked well with G.C. Services. They are a offensive group of people. Their actions reprehensible. They threatened me. They lied to me. They attempted to bully me. All in the hopes of getting my checking account information. When the attempted garnishment was stopped by my employer it was not because they were not allowed to garnish, it was that they had not followed the steps they were bound by law to follow.

If you follow the time line of this odyssey you will see that it was not until they heard from the Washington State Attorney General
s office that they backed off and started following the very simple steps required by law that is designed to protect the consumer. And yes, to Billcos chagrin, there are laws that protect the consumer and student loan debt collectors have neither protection nor exemptions from those laws. Billco did offer some valid advice in his rants. He bellowed at length about the number of times Sallie Mae and GC Services were suppose to notify me of my default. He repeated it until I finally realized that I had heard nothing from either company and I was not in fact in default. Why they said I was is any ones guess. Why they called my family and harassed them to get my home address and phone number when Sallie Mae had it all along is also any ones guess. These are issues for my lawyer.

Billcos statements helped me realize there were even greater legal issues with G.C. Services than just the surface ones that got my attention the most. The most offensive issues had all my attention so I almost missed the greater monster just beneath the surface. I am no victim, I never have been and I have no intention of being one. But had I caved into G.C. Services bullying and corruption I would have been greatly victimized and a victim is not a role I plan on playing this late in life. The employees of G.C.Services or any other collection agency are not omnipotent. They carry no special authority or credibility just because you may have a debt to settle. They are no better than the consumer and once that fact is established when communicating with them the process becomes a lot more fair and reasonable. Just remember, they dont want you looking behind the curtain. It will expose the fraud in all of them.

Dorrie,

I have to commend you for your ability to actually WORK with GC Services. You can see my posting from back in May of 2007 (updated January 2008), they hung up with me, recorded my conversations without consent (which, by the way, they're probably doing to you as well, so you may want to ensure any future verbal correspondence is notified with a note that the call is recorded), made personal threats and comments about myself and my family, and violated umpteen laws that collections agencies are supposed to follow.

I sent a letter to GC Services requesting verification of the debt, and soon my account was transferred to another agency. My supposed debt of $6,000 was reduced to $1,200 when it went to the next agency, which was the true valid debt.

I find it ironic that they're so quick to get out notices to you stating you owe money, but yet you asked for a statement in November 2007 and are just receiving it now? Hmmm......

As for BillColl01, who seems to have made his presence known quite a bit on your posting, his lack of proper english grammar sums up the capabilities of most of the people that work for GC Services. My fiancee worked security for a collections agency for some time (I will not say which one, but it wasn't GC Services), and I had asked him how the agency employees can sleep at night knowing they spend all day insulting people, making them cry, and ruining their lives (I mean, they're not trying to collect their own money, except through commissions), and he told me that some of the employees would "step out" to meet people in the parking lot and do a bit of a "trade" for pot or whatever they needed to help them get through a shift.

GC Services, however, probably isn't a bunch of potheads, mainly because they're so uptight and angry. And as Robin Williams once said, "When you're stoned, you're certainly not **** empowered". Maybe they're just on a lot of coffee and Red Bull.

However I would like to start up a collection to get BillColl01 a new keyboard...seems his CAPS lock is stuck, and just can't seem to get the money to get it fixed. If his tactics to collect money are just like his postings on your thread, he must not be that good at collecting money. I assume that because he can't afford a new keyboard. :-)

In November I asked GC services for an account update...amount owed...interest and penalties. By law I am entitled to that information. Today, March 4, 2008 I received that information. They did not, however, include the payment they received from my tax return. Now they have to reconcile the account and dare I say...get it right!

Still working out the payment arrangements. Hope all is well with you Bill!!

Thanks Billcoll01,

Your comments in this section have proven to be very interesting and helpful for my attorney. I cannot thank you enough. Isn't that a twist? :-o

Regards,

Lucy

Bill,

I am communicating with G.C. Services. I was not aware I needed to give you an update. Please try to understand that this is not personal and your interest should be only fleeting. There are many more important things in life. Now rest assured, the bill will be payed and your arch enemy, "Student Loan People" will be vanquished.

Thank you for your concern in this matter.

IN YOUR ORIGINAL POST YOU STATED "This is unsettling. I don't believe they should be allowed to bully me to get my personal financial information I was earnest in my payment attempts and I believe they were less than reputable by demanding my checking account information."
WHEN WAS THE LAST PAYMENT?
I RESPONED "THE TIME TO HAVE HANDLED THIS VIA MAIL WAS WHEN YOU RECEIVED THE 7 NOTICES THAT SM MAILS YOU BETWEEN THE TIME THE LOAN IS OUT OF DEFFERMENT & WHEN THEY DEFAULT IT & SENT TO A CONTRACTOR FOR COLLECTIONS.

THEN THERE ARE THE 3 LETTERS THAT THE AGENCY HAS TO SEND BEFORE THEY START GARNISHING. SO THE EXCUSE OF THINKING YOU WERE IN DEFERMENT IS INVALID, UNLESS OF COURSE, YOU BREACHED YOUR GSL AGREEMENT TO KEEP YOUR LENDER UPDATED ON ANY CHANGE OF ADDRESS. THE REASON THAT THEY ONLY WANT PAYMENTS VIA A CHECKING ACCT IS DUE TO THE FACT THAT THE NEED FUTURE REPRESENTATION OF PAYMENTS."
HOW DID YOU MISS 7 NOTICES?
"Since my husband died I thought the deferral was still in place. Evidently it is not." HOW LONG DID YOU THINK IT WAS DEFERRED?
YOU STILL NEVER TOLD US WHY YOU HAVENT JUST SENT IN PAYMENTS TO SM. ALL YOU DO IS ATTACK ME & THANK THE ONES THAT KISS YOUR A** LIKE TIM & ROBERT. JUST BECAUSE I TELL YOU THE TRUTH INSTEAD OFF KISS YOUR A**, IM ATTACKING YOU....THATS FUNNY!!

Bill,
You need to calm down. This is not a personal issue. This is about a business that is attempting to bully people into giving private information. No one has to give his or her private financial information to any one for debt collection. The garnishment was used by GC services to bully me. That tactic failed. Bill, your view as a bill collector is myopic. If you decide to be successful you might want to either get an education or utilize the one you claim to have. Also, the personal attacks you have made in this forum show your Napoleon complex. The Internet does not always offer the anonymity you believe it does. Your personality is clearly defined by your statements.

I thank those that read my post and responded with insight and understanding.

Billcoll01

You are an idiot and cannot read. See the submission by Dorrie on 2/1/2008.
I hope you understand what was written. You really are a dope!

PLAIN & SIMPLE!!!!
NEWS FLASH!!! THIS IS AN OPINION FORUM, NOT ENGLISH CLASS!!
"Everything else you have stated, as correct as it may be, is irrelevant to the complaint at hand." WE WILL SEE ABOUT THAT WHEN THE GARNISHMENT KICKS IN.

Thank you for having the ability to see the issue.

After reading a statement like this (in all caps, nonetheless), I can see why you ended up as a lowly debt collector after receiving a higher education: "AS SOMEONE THAT WORKED HIS WAY THROUGH COLLEGE, WHEN PEOPLE THAT BORROWED THE MONEY(MY TAX MONEY) TO GO TO SCHOOL & TRY REALLY HARD NOT TO PAY IT BACK."

When you were in college, or high school for that matter, did you ever learn what a "sentence fragment" is? Whether or not you know what I'm talking about, I think you get the award for longest sentence fragment ever.

BillColl, you're an idiot. This reporter did the absolute right thing by not giving her checking account information over the phone to an agency that is unwilling to enter into a written agreement, or even accept paper payments for that matter.

And, yet again, you fail to see the issue. The reporter here isn't trying to dodge her debts. She is merely asking for a written agreement. Any collector who isn't willing to provide a written payment agreement is presumptively trying to perpetrate a scam. Why else would you refuse to enter into a written and enforceable agreement?

So if the collector is presumptively attempting to scam, why would you give them your checking account information?

Everything else you have stated, as correct as it may be, is irrelevant to the complaint at hand. You are obviously not here to give advice, or even to legitimately tell reporters why they are in the wrong. You are here for the sole purpose of debasing other people. I suspect a self-esteem issue but, unlike you, I shy away from passing judgment on others.

Oh wait, I called you an idiot already, so I guess none of us are perfect.

SO ON JAN 11, YOU WERE WILLING TO MAIL A PAYMENT, BUT WHY DIDNT YOU JUST START SENDING IN PAYMENTS? THEY GO DIRECTLY TO SALLIE MAE ANYHOW, EVEN IF THEY ARE DONE THROUGH A CHECKING ACCT. GC SERVICES DONT CASH YOUR CHECK, SALLIE MAE DOES. THATS THE WAY FEDERAL CONTRACTS WORK. THE REASON THE GOVERNMENT WANTS THE AGENCIES TO TAKE CHECKS IS THE VERY REASON I ASKED WHY YOU HAVENT MAILED SM A PAYMENT YET. YOU HAVE BEEN STALLING THIS FOR A LONG TIME & YOU WANT TO STALL IT FOR AS LONG AS YOU CAN. I KNOW HOW TO MAKE THIS WHOLE THING GO BACK TO A CURRENT ACCT AGAIN, VERY CHEAPLY ON YOUR PART BY THE WAY, BUT I LIKE SEEING PEOPLE GET WHAT THEY DESERVE. SO ILL WAIT UNTIL THE GARNISHMENT ORDER IS REISSUED TO LET YOU IN ON IT. IF YOU REALLY WANTED TO DEAL WITH THIS TODAY WOULD HAVE BEEN YOUR THIRD PAYMENT. DO YOU THINK THEY WOULD STILL BE TRYING TO GARN YOU IF YOU MADE 3 VOLUNTARY PAYMENTS? BY THE WAY, IT IS 15% NOT 10%.
FROM ED.GOV
Under the Higher Education Act, the Department and guaranty agencies may require employers who employ individuals who have defaulted on the repayment of a student loan to deduct 15% of the borrower's disposable pay per pay period toward repayment of the debt. Also, the Debt Collection Improvement Act of 1996 permits the Department to garnish up to 15% of disposable pay. Garnishment may continue until the entire balance of the outstanding loan is paid. You should note that wage garnishment is used only for borrowers who refuse to voluntarily repay their defaulted loan and is not used with those borrowers who continue to make regular and timely monthly payments.

On January 30, 2008 my employer received a letter telling him he was released from the garnishment order. He would not garnish my pay until they granted the hearing. This letter was dated January 22, 2008. I was relieved. Now I could make payment arrangements. On February 4, 2008, when I got home from work, I found a envelope on my door. It was a fedex letter from GC Service. They granted me a hearing and the letter went on to say that I must fill the paper work out and return it within 15 days. The letter was dated January 22, 2008, the same date as the letter my employer received. It was fedexed on January 29, 2008. It took the letter (tracked it on line) 6 days to get to me. It was delivered at 12:28 pm on February 4, 2008. Of course I did not get it until I got home at 5:00 pm. No time to call GC Services and ask "15 days from date of receipt or 15 days from date of letter?" Knowing GC Services they meant for me to get the papers back the next day...that being 15 days from date of the letter. It seems they like to put people in impossible situations. As though dealing with the likes of them is not impossible enough. They papers were filled out and sent back in a timely manner.

I just have a few questions. If GC Services is a legitimate company why won't they give me the accounting of my bill that I requested? If they operate in a legal fashion why do they deny my request for the hearing in the first place and try to garnish me with out the hearing that I am legally entitled to? Why, when they have to grant the hearing do they play games with the mail to make it look like I am not doing what I am suppose to do? Do they think I will roll over? I could have been making payments all along if they had just sent me a bill showing what I am legally entitled to see. If they had NOT demanded my checking account information. If they had just given me a payment plan. GC Services always shows their true colors...they are crooks. If not crooks they are the most unprofessional, sophomoric, mean spirited, unethical group of people I have ever had to suffer. Shame on them. Shame on those that defend the practices of the likes of GC Services. Now I just wait for them to tell me what the out come of the hearing will be.

On January 30, 2008 my employer gave me a letter from US Funds, releasing him from garnishing my pay check. This now leaves me with the opportunity to make payment arrangements and pay my bill with out giving my personal financial information to GC Services. It has taken 3 months. If they had not fought so hard to get my checking account information in the beginning I would have 3 months of payments behind me. Thanks to my employer and the involvement of the Washington State Attorney Generals office I feel my rights have been protected.

He for some strange and unsettling reason ONLY backs fellow bottomfeeders, like himself. The ONLY reason these losers want your banking account information is so they can have easy access to your banking account. Student loans have no statute of limitations. It would be much more preferable if you go through the garnishment process rather than granting them the bank account access. Don't let them bully you.

I could not get GC Services to give me an amount to pay until I gave them my account information. When the papers telling me of the garnishment arrived I filled out the request for a hearing and sent them out. I kept proof of my mailing and all of my correspondence. I made this information available to my employer and to the Washington State Attorney Generals office. GC Services never replied to my request for a hearing.

When the garnishment papers arrived at my job my employer asked them to give me a hearing before he will comply with the garnishment. The attorney generals office in Washington state is investigating. Also, GC services is demanding 15% but they are not entitled to take more than 10%. I want only to clear this up. But the fact remains, I will not give my personal financial information to anyone and no one has the right to demand if. Shame on those that believe they have that right.

He is nothing but a bill collector. He SHOUTS for a living and generally makes an a*s of himself.

You did the right thing. NEVER give anyone your checking account number. Unfortunately, student loans are one of those things that you have to pay. You cannot even discharge them in a BK.

Sounds like they did an Administrative Wage Garnishment (AWG) to garnish your wages. Did you request the hearing? HAVE YOU TALKED TO A LAWYER??

How much was the payment plan they wanted you to pay? They can only garnish a certain amount (google it, its on the web) so it may be cheaper to let them garnish your wages. They can't send you to jail, and they can't fire you from your job because of it.

You did the right thing. These bloodsuckers would suck your account dry and never bat an eye. If they were not willing to put it in writing, they were going to rip you off.

Don't respond to this unless you want to speak to the original complaint...that being I won't give my checking account information! It is that simple!

My complaint was quite simple. I refuse to give my checking account information. I am more than happy to make a payment. Since my husband died I thought the deferral was still in place. Evidently it is not. But I will not give my checking account information. I can only assume that the people responding to my complaint work for GC services. It is simple. I will not give my private financial information to anyone. I am not complaining about the debt...just the means of collection. Try to grasp this simple concept...maybe the responders to my comments need an education. Unless you want to speak to my complaint...keep quiet.

YOU ARE GOING TO END UP GARNISHED FOR 15% OF YOUR DISPOSIBLE WAGES, BECAUSE YOUR STUBBORN LIKE MOST PEOPLE THAT DONT WANT TO PAY FOR THE EDUCATION THAT THE TAXPAYERS WERE GOOD ENOUGH TO FRONT! IF YOU ARE STILL FIGHTING MAKING A VIABLE ARRANGEMENT ON THE LOAN, YOU ARE NOT DOING THE RIGHT THING. ON TOP OF THE WAGE ASSIGNMENT, THE GOVERNMENT WILL SOON START TAKING YOUR FEDERAL REFUND IF THEY HAVE NOT ALREADY DONE SO. I HAVE A FEELING WE WILL SOON SEE A ROR ABOUT HOW THE GOVERNMENT IS LEAVING HER POOR & IT WILL BE HER OWN FAULT!

You see. I am doing the right thing. There was no contact. They had my information at Sallie Mae...GC services are the ones that are not doing the right thing. I have been doing the right thing and I will not allow a corporation such as GC services bully me or a person like you judging me with out all the information. The point is GC Services has no right to demand my Checking Account Information...That is the issue and the only issue.

AS SOMEONE THAT WORKED HIS WAY THROUGH COLLEGE, WHEN PEOPLE THAT BORROWED THE MONEY(MY TAX MONEY) TO GO TO SCHOOL & TRY REALLY HARD NOT TO PAY IT BACK. FOR 3YRS I WORKED FOR DEPT OF ED CONTRACTOR & ITS AMAZING HOW HARD PEOPLE AVOID MAKING A CONCRETE ARRANGMENTS ON THE ALREADY DEFAULTED LOAN. THE TIME TO HAVE HANDLED THIS VIA MAIL WAS WHEN YOU RECEIVED THE 7 NOTICES THAT SM MAILS YOU BETWEEN THE TIME THE LOAN IS OUT OF DEFFERMENT & WHEN THEY DEFAULT IT & SENT TO A CONTRACTOR FOR COLLECTIONS.

THEN THERE ARE THE 3 LETTERS THATTHE AGENCY HAS TO SEND BEFORE THEY START GARNISHING. SO THE EXCUSE OF THINKING YOU WERE IN DEFFERMENT IS INVALID, UNLESS OF COURSE, YOU BREACHED YOUR GSL AGREEMENT TO KEEP YOUR LENDER UPDATED ON ANY CHANGE OF ADDRESS. THE REASON THAT THEY ONLY WANT PAYMENTS VIA A CHECKING ACCT IS DUE TO THE FACT THAT THE NEED FUTURE REPRESENTATION OF PAYMENTS. I HAVE HAD A COUPLE OF IDEAS THAT I THINK WOULD CURB STUDENT LOAN DEFAULTS. 1 TO TIE PARENTS TO THEIR CHILDREN. IN OTHER WORDS, IF A PERSON DEFAULTS ON A STUDENT LOAN THAT REMAINS UNPAID, THEIR CHILDREN WOULD NOT QUALIFY FOR FINANCIAL AID. HOW MANY PEOPLE WOULD RUN AWAY WITH TAX PAYER MONEY IF IT SCREWED THEIR KIDS?
ALTHOUGH I HAVE TALKED TO A FEW PEOPLE THAT WOULD SELL THEIR KIDS DOWN THE RIVER FOR A FEW BUCKS!

MY SECOND IDEA IS TO MAKE GSL BORROWERS MAINTAIN AT LEAST PART TIME EMPLOYMENT & MAKE A MONTHLY PAYMENT ON THE LOAN UNTIL THEY LEAVE SCHOOL. THIS WAY THEY DEVELOP A HABIT OF OF MAKING A MONTHLY PAYMENT & THEREFORE WILL BE MORE LIKELY TO CONTINUE AFTER LEAVING SCHOOL. BY THE WAY, A HEARING IS NOT GOING TO DO YOU ANY GOOD UNLESS YOU ARE MAKING ALMOST NO MONEY, SO DO THE TAXPAYERS AS WELL AS FUTURE STUDENTS THAT WANT THE SAME OPPORTUNITY THAT YOU GOT A FAVOR & JUST MAKE AN ARRANGMENT TO DO THE RIGHT THING!

GC Services chose to remove themselves from the Better Business Bureau in Houston TX so as to avoid dealing with the many complaints. I have notified Washington Stat Attorney General about the practices of this company and urge others that are abused by GC services to not only contact the Better Business Bureau in your area but also the state agencies that are in place to protect consumers.