Agruss Law Firm, LLC | People, First | A Chicago Illinois Personal Injury Law Firm

How To Deal With Debt Collectors

For most of us, debt is a fact of life. That debt can come in many forms: a mortgage, student loans, credit card bills, and (for some) payday loans. With nearly 80 percent of Americans living paycheck to paycheck and, according to the Federal Reserve Board, nearly 40% of American adults unable to cover a $400 emergency expense, it is easy to become overwhelmed by debt. When this happens, you may receive a call from a debt collector.

“The first thing that's going to happen is that the creditor itself is going to contact you to try to get payment," explains Robert Foehl, Executive-in-Residence for Business Law and Ethics at Ohio University. If the debt has gone unpaid for too long, the creditor may sell the debt at a discount to a debt collection agency. This agency may then attempt to collect on the debt.

If you’re being contacted by debt collectors, it is important to know your rights and to take steps to make sure debt collectors do not take advantage of you. According to the Fair Debt Collection Practices Act (FDCPA), a debt collector may not lie to you, harass you, contact a third party unless it is to obtain your contact information, or reach out to you before 8 a.m. or after 9 p.m.

First, make sure you are dealing with a legitimate debt collector and not a scammer. Warning signs include the caller claiming you owe money on a debt you don’t recognize, threatening you, asking for sensitive information, or pressuring you to pay them on a prepaid card. Before giving out any personal information, ask for the debt collection agency’s call back number and street address. Ensure this information is correct before proceeding. Additionally, you should review your credit report for any delinquencies or irregularities and get in touch with the original creditor to confirm who they sold the debt to.

Once you have confirmed the debt is yours, it is advisable to cooperate. Remain calm and polite. Assess the situation as best you can, and think about solutions. Is this a debt you can afford? If so, it may be worth paying now in a lump sum. Chances are good that if you can pay a lump sum, the debt collector will be willing to take a discount on the total amount of the debt.

Are there alternatives to debt collection? For example, in the case of a delinquent medical bill, the hospital may offer a financial assistance plan to spread out or reduce payments. You should also check the medical bill was correctly submitted to your insurance provider and that you have not been charged in error. Finally, you should find out if the debt is old enough to have passed the statute of limitations. If it has, that the creditor is no longer able to sue, but you do still owe the debt and it can remain on your credit report for up to 10 years

If you cannot afford to pay the debt outright, negotiate with the debt collector. Offer to pay a small fraction of the total amount. It is important to lowball your offer, as the debt collector will provide a higher counteroffer and you will need to compromise. However, you will have to pay tax on any forgiven amount of debt that is over $600.

If the collector is unwilling to negotiate and declaring bankruptcy is a viable option for you, mention this during your negotiations. The debt collector will be aware this may eliminate your liabilities and so may become more willing to compromise.

Finally, make sure you get everything you agreed upon in writing. This will protect you so that once you have paid the agreed-upon amount, the debt collector will not attempt to pursue you for the remainder. Remember: you have rights even when you are in debt, and you must fight to protect them.

Agruss Law Firm LLC
Founding attorney Michael Agruss and his passionate team of attorneys help protect consumers from debt collection harassment, robocalls, and credit report problems. Michael and his team understand that when you are being harassed by a debt collector, you are going through a frustrating period of your life. Whether the debt collection agency won’t stop calling you about a debt you don’t owe, you are being harassed at work, or the debt collector will not stop robocalling your phone even after you tell them to stop, Michael and his team are there for you. We’re not just lawyers, and you’re not just a client. We’re friends, neighbors, family. We’re all people. And here at Agruss, we put people first.

Stop Comenity Bank Phone Calls

Comenity Bank Phone Calls

Creditors like Comenity Bank cannot harass you over a debt. You have rights under the law. We will stop the harassment once and for all.

THE BEST PART IS…

If Comenity violated the law, you will get money damages and Comenity will pay our fees and costs. You will not pay us a penny for our time. Plus, some of our clients also receive debt relief and cleaned up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Comenity

Comenity is the bank behind most of your favorite brand’s credit cards. Comenity is headquartered in Columbus, OH. Comenity has about 50 million card members at hundreds of retail stores. For example, Comenity backs the following retails store credit cards: Abercrombie & Fitch Credit Card, Ann Taylor, Bed Bath & Beyond, Crate & Barrel, New York & Company, Pottery Barn, Victoria’s Secret, West Elm, and hundreds more. According to its website, “Comenity Bank and Comenity Capital Bank have been connecting customers to the brands they love for more than 30 years.”

Comenity Bank’s Address, Phone Number, and Contact Information

Comenity’s mailing address is PO Box 182273, Columbus, Ohio 43218. Comenity’s main phone numbers are 800-675-5685 and 855-506-2496. Comenity’s website is https://about.comenity.net/ You can also contact Comenity through its website at https://about.comenity.net/contact

Phone Numbers Used By Comenity Bank

Comenity likely uses hundreds of phone numbers it uses to call consumers. Here are a few phone numbers Comenity may be calling you from:

800-675-5685
855-506-2495
720-356-3688
732-806-3199
609-400-7010
614-754-4136
614-729-9025
614-729-9031
913-312-9488
800-305-1215

Comenity Bank Lawsuits

If you want to know just how unhappy consumers are with Comenity Bank, take a look at the number of lawsuits filed against Comenity on the Public Access to Court Electronic Records (“PACER”). PACER is the federal docket throughout the country that lists federal complaints filed against Comenity. There are also likely hundreds of claims filed through the American Arbitration Association. Nowadays, most credit card companies have arbitration clauses. That means, if you have a complaint with a credit card company, you have to file your claim in arbitration. Arbitration limits discovery, is not public, has a limited appellate process, and most importantly, is funded primarily by the banks and big businesses. We believe it is hard to get a fair shake in arbitration. But, the good news is, we have filed hundreds of credit harassment cases in arbitration. So, we know how to aggressively fight these cases against the big banks even if we have to file in arbitration.

Comenity Bank Complaints

The Telephone Consumer Protection Act (“TCPA”) protects you from robocalls. Robocalls are those annoying, automated, recorded calls that a computer makes to you all day long. You can tell it’s a robocall because either no one is on the other end of the line or there’s a delay when you pick up the phone before a live person comes on the line. You can get $500 per call if Comenity violates the TCPA. Have you received a message from Comenity that sounds pre-recorded? Or, maybe the message you received from Comenity is cutoff at the beginning or the end? These are tell-tale signs that the message is pre-recorded. If you have these messages on your cell phone, you may have a TCPA case against Comenity.

The Electronic Fund Transfer Act (“EFTA”) protects electronic payments that are deducted from bank accounts. If Comenity took unauthorized deductions from your bank account, you may have an EFTA claim. Comenity, like most collection agencies, wants to set up reoccurring payments from consumers. Imagine how much money Comenity gets if hundreds, if not thousands, of consumers electronically pay them $50-$100, or more, per month. If you agreed to this type of reoccurring payment, Comenity must follow certain steps to comply with the EFTA. Did Comenity continue to take electronic payments after you said stop? Did Comenity take more money from your checking account than you agreed to? If so, let’s talk about your rights under the EFTA.

The Fair Credit Reporting Act (“FCRA”) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We handled a lot of cases recently where Comenity reported debt on a consumer’s credit report. Comenity likely reports on credit reports to obtain greater leverage over the consumer. If Comenity is on your credit report, they may tell you if you pay the debt, they’ll remove it from your credit report. This is commonly known as pay for delete. You pay Comenity, and they delete the debt from your credit report. Even if Comenity is not on your credit report, maybe the original creditor is. If you pay off the debt to Comenity, then the original creditor, and Comenity, should accurately report this on your credit report.

Several states also have laws that provide its citizens an additional layer of protection. For example, if you live in California, Texas, Florida, North Carolina, Wisconsin, Michigan, Montana, or Pennsylvania you may be able to tack on a state-law claim with your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country. If you live in NC, and you’re harassed over a debt, you may get $500.00 - $4,000.00 in damages per violation. We work with a local counsel in NC. Our NC clients have received some great results in debt collection harassment cases. If you live in NC, and Comenity is harassing you, you have tons of leverage to get a great settlement.

HOW CAN WE USE THE LAW TO HELP YOU?

We will use state and federal laws to immediately stop Comenity debt collection. We will send a cease and desist letter to get the harassment to stop the same day. If Comenity violates the TCPA, EFTA, FCRA, or any state laws, you may be entitled to money damages. For example, under the FCRA, you can get up $1,000.00 in damages plus actual damages. The FCRA has a fee-shift provision. This means, Comenity pays our attorney’s fees and costs. If you have a TCPA case against Comenity, we will handle it based on a contingency fee.

THAT’S NOT ALL…

We have helped hundreds of consumers stop phone calls from Comenity. We know how to stop the harassment and get you money damages. ONCE AGAIN, you will not pay us a penny for our time. We will help you based on a fee-shift provision and/or based on a contingency fee. That means, Comenity pays our attorney’s fees and costs.

What If Comenity Is On My Credit Report?

Based on our experience, Comenity may credit report. That means, Comenity may mark your credit report with the debt they are trying to collect on. In addition to Comenity, a third-party debt collector may be on your credit report for the debt you originally owed to Comenity. For example, if you owe Comenity, and Portfolio Recovery Associates is also collecting on the debt, both Comenity and Portfolio Recovery Associates may have separate entries on your credit report. This is important because you will want both parties to update your credit report if you pay off the debt.

THE GOOD NEWS IS…

If Comenity is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly. Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision. This means, the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. We have helped dozens of consumers fix inaccurate information on their credit reports.

Complaints against Comenity

If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by Comenity. Below are some complaints from the Better Business Bureau (“BBB”) and various consumer websites. Comenity is not accredited by the BBB. However, the BBB gives Comenity an “A-” rating. Despite its “A-” rating, there are over 1700 complaints on the BBB.Here are some of the many BBB reviews and complaints regarding Comenity:

  1. 1. “This bank handles the credit cards that Woman Within issues to buy clothes on the credit. I have been trying for months to straighten out errors in my statement with very little response from them. I finally got them to refund some of the charges ($64.00) but still will no acknowledge that I have... two payments that they have said my banks returned "unable to locate". This is not true. I made a$60.00 payment from one bank and another $20.00 payment from another bank. These have been charged against my accounts with these banks. When they refunded me the $64.00 my records indicated that I owed them $44.60 and I paid it. They still won't credit my two payments and added another $37.00 charge against my account."
  2. 2. “I have been paying on this bill sent Oct 2015 and I miss one payment. But I made it up August 2016 but my bill keep coming up more and more. I think I have paid this amount of $444 out by now. I would like to know when my payment will end.”
  3. 3. “On December 27, 2017, I contacted Comenity LLC regarding my Marathon credit card account. The account was seriously past due and I was attempting to make payment arrangements. I was informed by the representative that I was eligible to make arrangements in a hardship plan. I made a payment of $100... And set up direct payments in the amount of $30 to be paid each month for a total of 12 months. I was told that after making three payments on time that any late fees on the account would be removed. The down payment was accepted and on January 21, 2018, the first monthly payment was deducted. On January 25, 2018, I received an email stating that the account had been charged off and sent to the legal team. When I called today to inquire as to why the account was charged off and being sent to collections, I was told that the arrangements were not valid as they were made one day after the monthly billing cycle closed and that the original representative could not see that in the computer at the time of my call. I would not have set up arrangements nor made such a large payment if I had known the account was being sent to collections.”

Out of 80 reviews on Yelp, Comenity only received a 1 star rating. Here is a snippet of the reviews on Yelp:

  1. 1. “RUN!!! They are not BBB accredited and they have over 90% negative feedback rating! They are notorious of harassment, unethical business practices, and one of the major contributors of lowering your credit score within months!”
  2. 2. “This is the worst company to do business with. I had a Talbot Charge Card which they service. I disputed a charge, they gave me a balance to resolve it and then they did not stand by their word. Never do business with them.”
  3. 3. This bank is the true form of crooks. They lock your card account, so you are not allowed to make a payment through the website and force you to call the customer service line, then force you to pay a $9 charge to make a payment over the phone. Nothing continuing screwing over your customers. I opened a clothing store credit card, because it's the only way to get coupons or deals. I bought a $40 bra... that has now cost me over a 150.00. I will close this card and will never do business with your bank again...Stay away!!! It is not worth it... they will rob you blind.

Cases We Have Handled Against Comenity

I THINK YOU’LL AGREE WITH ME WHEN I SAY…

Threats and harassment by collection agencies can be pretty intimidating. Well, it turns out we can stop the harassment, attempt to get you money damages under the law, and the collection agency will have to pay us our fees and costs. Here are some of the cases we’ve handled against Comenity:

Randy v. Comenity: In or around March 2016, Comenity began placing collection calls to Plaintiff on his home telephone number. Comenity is attempting to collect on an alleged debt originating with Plaintiff’s mother, Julia. Comenity is attempting to collect on an alleged debt from a Pier 1 Imports Credit Card. In or around March 2016, Defendant placed a collection call to Plaintiff’s home telephone number and spoke with Plaintiff. During this aforementioned conversation, Plaintiff requested that Comenity cease all collection calls to his home telephone number. On several occasions, Plaintiff has spoken with Comenity and told Comenity to stop calling him. Defendant violated §1788.11(d) of the Rosenthal Fair Debt Collection Practices Act by placing telephone calls to Plaintiff repeatedly and continuously to annoy Plaintiff after Plaintiff requested the calls to stop. We stopped the calls and helped our client under the Rosenthal Act. We got our client a favorable result.

Meryl v. Comenity Bank: One of our clients who lives in North Carolina could not get Comenity to stop calling her. She called us and asked, “how do I get Comenity to stop calling me? We’ve helped thousands of consumers, so we knew exactly what to do. Within a day or so, the calls stopped, and our client was thrilled. We also pursued a case against Comenity based on the North Carolina Debt Collection Act. , North Carolina General Statutes § 75-50, et seq. (“NCDCA”). Comenity started calling our client’s landline telephone in approximately November 2017. Comenity’s agents called approximately four (4) to six (6) times per day varyingly looking for our client. Comenity called our client regarding her two Comenity accounts, Woman Within and Pier 1. Comenity’s agents frequently call from 614-754-4136, 614-212-5286, 913-312-5191, and 614-754-4135. These are all Comenity’s telephone numbers. Comenity also calls from unavailable phone numbers. On or around November 07, 2017, our client requested that Comenity’s collector cease calling her landline telephone number. Despite our client’s request, Comenity continued to place harassing calls to Plaintiff’s landline. Like most of our cases, we stopped the calls, and resolved our client’s case favorably.

Shanika v. Comenity: Our North Carolina clients claimed Comenity would not stop calling her. So, we went after Comenity Bank based excessive and harassing phone calls. Comenity was attempting to collect on debt(s) originating from New York and Company. Comenity called our client from 855-334-4198. This is one of Comenity’s telephone numbers. We argued Comenity called after our client said stop, called excessively, and threatened legal action against our client. We stopped the calls, helped our client with the underlying debt, and got our client a great result. She did not have to pay us a penny either. Plus, we took care of everything in a matter of months.

Here’s What Our Clients Say About Us

Agruss Law Firm, LLC, has over 900 outstanding client reviews through Yotpo, an A+ BBB rating, and over 120 five-star reviews on Google. Here’s what some of our clients have to say about us.“Michael Agruss handled 2 settlement for me with great result and he handled it quickly. He also settled my sister case quickly and now her debt is clear. I highly recommend Michael.”“Agruss Law Firm was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”“Agruss law firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! Even settled it so I was paid back for the problems they caused!”

Can Comenity Sue Me?

Yes. Comenity can sue you. Comenity can hired a lawyer to file a breach of contract lawsuit against you for the underlying debt, fees, and costs. If you’ve been sued by Comenity, do not ignore the lawsuit. You may have defenses. If you ignore the lawsuit, default will be entered, the default judgment, and then Comenity may seek to garnish your wages. The moment you received notice of a lawsuit, contact a lawyer right away. You can even represent yourself pro se. If Comenity has threatened to sue you, or has sued you, call us. We can help.

Can Comenity Garnish My Wages?

Yes, if Comenity has a judgment entered against you. If Comenity has threatened to garnish your wages, or is currently garnishing your wages, contact our office right away.

Comenity Settlement

If you want to settle a debt with Comenity, ask yourself these questions first:

Do I really owe this debt?
Is this debt within the statute of limitations?
Is this debt on my credit report?
If I pay this debt, will Comenity remove it from my credit report?
If I pay this debt, will the third-party debt collector remove it from my credit report?
If I pay this debt, will I get something in writing from Comenity confirming the payment and settlement terms?
These are not the only things to consider when dealing with banks and creditors over debt. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay for delete, or any other legal issue with Comenity, the folks at Agruss Law Firm are here to help you.

Who Is GC Services

Debt collectors like GC Services, LP, cannot harass you over a debt. You have rights under the law. We will stop the harassment once and for all.

THE BEST PART IS…

If violated the law, you will get money damages and will pay our fees and costs. You will not pay us a penny for our time. Plus, some of our clients also receive debt relief and cleaned up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is GC Services, LP?

GC Services is a collection agency, headquartered in Houston, TX. was founded in 1957 and now has over thirty call centers across the US. is a Limited Partnership. According to their website, offers a wide array of accounts receivable solutions. We’ve helped a lot of consumers deal with . While they are most well known for collecting on college student loan debt, they also collect on debt from retail, utility, banking, telecommunication, automotive industries, credit cards, installment loans, auto loans, retail store credit cards, student loans, insurance claims, and healthcare debt. is both a first and third party debt collector. Third party collection means that they are hired by outside companies to collect debt on the company’s behalf whereas first party means that they are a subsidiary of the original company the debt is owed to. Often times does not identify themselves as a collector when placing account receivable calls to consumers and that is something to watch out for as it is a violation of the law for them not to. If has left you a voicemail, save it and call us. If they left a message that violates the law, we can help.

GC Services, LP, Address, Phone Number, and Contact Information GC Services is located at 6330 Gulfton Street, Suite 300, Houston, TX 77081. The main telephone numbers for are 800-756-6524 and 713-777-4441. These are just two of many contact numbers.’ website is https://www.gcserv.com/

Phone Numbers Used By GC Services
GC Services likely has dozens, if not over 100, phone numbers it calls from. Here are a few phone numbers may be calling you from:

800-846-6406
866-352-7716
866-999-6445
866-537-5907
405-722-2328
831-706-2054
800-352-3778
760-748-4042
626-338-3450

GC Services Lawsuits

If you want to know just how unhappy consumers are with GC Services, take a look at the number of lawsuits filed against on the Public Access to Court Electronic Records (“PACER”). PACER is the federal docket throughout the country that lists federal complaints filed against . When you do a search for GC Services, there are over 1500 lawsuits filed against GC Services. Most of these lawsuits involve consumer rights’ violations.

GC Services Complaints

The Fair Debt Collection Practices Act (“FDCPA”) is a federal law that applies to everyone in the United States. In other words, everyone is protected under the FDCPA. The FDCPA is a laundry list of what can and cannot do while collecting a debt, as well as things debt collectors must do while collecting a debt. If is harassing you over a debt, you have rights under the Fair Debt Collection Practices Act.

The Telephone Consumer Protection Act (“TCPA”) protects you from robocalls. Robocalls are those annoying, automated, recorded calls that a computer makes to you all day long. You can tell it’s a robocall because either no one is on the other end of the line or there’s a delay when you pick up the phone before a live person comes on the line. You can get $500 per call if violates the TCPA. Have you received a message from that sounds pre-recorded? Or, maybe the message you received from is cutoff at the beginning or the end? These are tell-tale signs that the message is pre-recorded. If you have these messages on your cell phone, you may have a TCPA case against .

The Electronic Fund Transfer Act (“EFTA”) protects electronic payments that are deducted from bank accounts. If took unauthorized deductions from your bank account, you may have an EFTA claim. , like most collection agencies, wants to set up reoccurring payments from consumers. Imagine how much money gets if hundreds, if not thousands, of consumers electronically pay them $50-$100, or more, per month. If you agreed to this type of reoccurring payment, must follow certain steps to comply with the EFTA. Did continue to take electronic payments after you said stop? Did take more money from your checking account than you agreed to? If so, let’s talk about your rights under the EFTA.

The Fair Credit Reporting Act (“FCRA”) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We handled a lot of cases recently where reported debt on a consumer’s credit report. likely reports on credit reports to obtain greater leverage over the consumer. If is on your credit report, they may tell you if you pay the debt, they’ll remove it from your credit report. This is commonly known as pay for delete. You pay , and they delete the debt from your credit report. Even if is not on your credit report, maybe the original creditor is. If you pay off the debt to , then the original creditor, and , should accurately report this on your credit report.

Several states also have laws that provide its citizens an additional layer of protection. For example, if you live in California, Texas, Florida, North Carolina, Wisconsin, Michigan, Montana, or Pennsylvania you may be able to tack on a state-law claim with your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country. If you live in NC, and you’re harassed over a debt, you may get $500.00 - $4,000.00 in damages per violation. We work with a local counsel in NC. Our NC clients have received some great results in debt collection harassment cases. If you live in NC, and is harassing you, you have tons of leverage to get a great settlement.

HOW CAN WE USE THE LAW TO HELP YOU?

We will use state and federal laws to immediately stop debt collection. We will send a cease and desist letter to get the harassment to stop the same day. If violates the FDCPA, EFTA, FCRA, or any state laws, you may be entitled to money damages. For example, under the FDCPA, you can get up $1,000.00 in damages plus actual damages. The FDCPA has a fee-shift provision. This means, pays our attorney’s fees and costs. If you have a TCPA case against , we will handle it based on a contingency fee.

THAT’S NOT ALL…

We have helped hundreds of consumers stop phone calls from GC Services. We know how to stop the harassment and get you money damages. ONCE AGAIN, you will not pay us a penny for our time. We will help you based on a fee-shift provision and/or based on a contingency fee. That means, pays our attorney’s fees and costs.

What If GC Services Is On My Credit Report?

Based on our experience, does credit report. That means, will mark your credit report with the debt they are trying to collect on. In addition to , the original creditor may be on your credit report. For example, if you owe Sallie Mae Bank on a student loan, and is collecting on it, both Salle Mae Bank and may have separate entries on your credit report. This is important because you will want both parties to update your credit report if you pay off the debt.

THE GOOD NEWS IS…

If is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly. Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision. This means, the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. We have helped dozens of consumers fix inaccurate information on their credit reports.

Complaints against GC Services

If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by GC Services. The complaints on the Better Business Bureau (“BBB”), various consumer websites, including Yelp, and even the complaints on this page (below) are endless. is accredited by the BBB. The BBB gives an “A-” rating. Despite its “A-” rating, there are nearly 133 customer complaints on the BBB. Here are some of the many BBB complaints regarding :

“This company is terrible to deal with. Repeated calls, apparently, with no messages left. They stoop so low as to tell you there is nothing you can do about your credit, but pay the debt, they say. Further, they call other people's phones looking for you! Even AFTER payment was made”
“I have been paying for a year on my student loans that were defaulted to . I have not received any verification that my account is out of default even though I have been paying. They are extremely rude and not willing to help.”
“Worst customer service I've experienced in my life.”
Reviews and complaints on Yelp do not get any better for GC Services. GC Services has an average of 1 star on Yelp. Here’s what people on Yelp have to say about :

"I started with them 2013 a guy called from their office and they said my debt would be paid after 14 months. I made arrangements to pay from my account directly on a monthly basis. Here it is 2016 and I'm still paying for a debt I could have paid my debt directly instead of going thru them because it seems they are charging fee so I'm paying double for a debt, something I could do myself instead of them being the middle man.”
“I have to agree with the other reviews. I was trying to pay off my debt but after dealing with this company there is no way I will ever pay.”
“The customer service and overall professionalism is nil, nothing, not there!”
These people are not courteous, nice, [nor] intelligent and are barely human beings. I owed a court less than $100 for a fine that I got 10 years ago and these people made me absolutely despise the court system that hired them. No manners, no logic and just plain rude.” Cases We Have Handled Against GC Services
I THINK YOU’LL AGREE WITH ME WHEN I SAY…

Threats and harassment by collection agencies can be pretty intimidating. Well, it turns out we can stop the harassment, attempt to get you money damages under the law, and the collection agency will have to pay us our fees and costs. Here are some of the cases we’ve handled against :

Christian v. GC Services. In this case, began calling our client on his cell phone regarding a consumer debt. The calls started sometime in or around March of 2017. called our client from 225-341-8727, which is one of numbers. That same month, a cease and desist letter was sent to , asking them to stop calling our client. Despite receiving the cease and desist letter, continued to call our client. A second cease and desist letter was mailed out to in April of 2017. acted in disregard of the law and continued to call our client after receiving two written requests to stop calling. In this case, we alleged violated the Fair Debt Collection Practices Act. Raymond v. GC Services. Raymond lives in New Hampshire, and was attempting to collect on a consumer debt from our client. called our client from 866-749-7274, which is one of numbers. On or around March 18, 2016, left a voicemail message for our client stating, “Hi Raymond W. This is Lizzy Johnson. Please return my call at 866-749-7274. Thank you.” Our client received three more calls in which failed to state that the communications were attempts to collect a debt. Under the Fair Debt Collection Practices Act (“FDCPA”) debt collectors are required to state that the communication is an attempt to collect a debt. In this case also called our client after receiving a cease and desist letter revoking consent. We alleged violated multiple sections of the FDCPA. Craig v. GC Services. Our client lives in Florida. Not only is he protected by the Fair Debt Collection Practices Act, but he is also protected by the state Florida Consumer Collection Practices Act. Here, was attempting to collect on a debt allegedly owed for a student loan. During one call between and our client, our client informed that he and his wife were already making payments to a different company in regards to the alleged debt. told our client that it did not matter who else was receiving payments. In addition to violating the Fair Debt Collection Practices Act and the Florida Consumer Collection Practices Act, we also alleged violated the Electronic Funds Transfer Act, for entering into a payment arrangement without written consent from our client and withdrawing two electronic payments from our clients’ checking account.

Here’s What Our Clients Say About Us

Agruss Law Firm, LLC, has over 900 outstanding client reviews through Yotpo, an A+ BBB rating, and over 125 five-star reviews on Google. Here’s what some of our clients have to say about us.

“A great experience with an even better outcome! I went to Agruss Law Firm for help end the harassment from collectors. I didn't know my rights but they did.”

“5 star experience. Excellent staff and very transparent.”

“I would like to thank the Agruss law firm for the great job they did representing my case. Not only did they provide excellent services but the most important thing to me was that they looked after my "rights." Many consumers don't fully understand the law when it comes to debt collectors.”

Can GC Services Sue You?

Anyone can sue anyone for any reason. Since is a third and first party collector there is a chance they could sue you for debt owed to them or their parent company. We have not seen sue our clients often, if at all. But, is large enough and has the means to sue. So, we would not be surprised to hear that sued over a debt. If has threatened to sue you, call us. We can help.

Can GC Services Garish Your Wages?

Yes, if is collecting on a federal loan. Besides federal loans, GC would first have to get a judgment. If has not sued you, then cannot get a judgment. If does not have a judgment, then cannot garnish your wages. Minus limited situations (usually dealing with debts owed to the government for student loans, taxes, etc.), in order to garnish someone’s wages, you need a judgment first.

GC Services Settlement

If you want to settle a debt with ask yourself these questions first:

Do I really owe this debt?
Is this debt within the statute of limitations?
Is this debt on my credit report?
If I pay this debt, will remove it from my credit report?
If I pay this debt, will the original creditor remove it from my credit report?
If I pay this debt, will I get something in writing from confirming the payment and settlement terms?
These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether its harassment, settlement, pay for delete, or any other legal issue with the folks at Agruss Law Firm are here to help you.

Agruss Law Firm, LLC location in Chicago Illinois

Agruss Law Firm, LLC
4809 N Ravenswood Ave #419, Chicago, IL 60640
Phone: (312) 224-4695
https://www.agrusslawfirm.com

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