- GC Services is an independent debt buyer and collection agency, headquartered in Houston, Texas. A debt buyer and collection agency that purchases and collects on charged-off consumer debt.
- If a letter or call references an account you don't recognize, that's common with debt buyers — the original creditor (a credit card company, retailer, or lender) sold the account, and they're now the one trying to collect on it.
- Regardless of a collector's history, you have the same FDCPA rights with any of them: 30 days from first contact to request validation in writing, during which they must stop collecting until they prove the debt.
Who they are
GC Services is an independent debt buyer and collection agency, headquartered in Houston, Texas. A debt buyer and collection agency that purchases and collects on charged-off consumer debt. If a letter or call references an account you don't recognize, that's common with debt buyers — the original creditor (a credit card company, retailer, or lender) sold the account, and GC Services is now the one trying to collect on it.
Your rights if they've contacted you
Whichever collector you're dealing with, the same federal law applies. You have 30 days from their first written contact to request validation — a written request asking them to prove the debt is real and yours. Once you do, they're required to stop collection activity until they've provided that proof.
If GC Services has contacted you about a debt, PUSHBACK reads the notice you received and drafts that request from the specific details on it — you review it before you pay anything.