February 25, 2024

Stop calls from 800-846-6406


Do you keep getting calls from 800-846-6406? ZumaZip.com can help you get them off your back.

Have you received a call from 800-846-6406? Wondering who they are? 800-846-6406 is a number for GS Services, a debt collection agency located in Houston, Texas. It is the largest private outsourcing call center provider and debt collection agency in North America. Over 7,500 employees work for GC Services and are trained on pressuring consumers to pay their student loans, but they also deal with all types of debt.

GC Services Limited Partnership is also a Better Business Bureau (BBB) accredited company since 2011 with an A+ score. Despite its high score, GC Services has received countless complaints and allegations of violating the Fair Debt Collection Practices Act (FDPA). The consumers complain that GC services call:

  • About a debt they do not owe
  • At work, even after requesting them not to call in the office
  • Third parties such as your family, workmates, and friends
  • After they legally sent a letter requesting them to stop calling
  • Before 8 am and after 9 pm

You can stop calls from GC Services (800-846-6406) by knowing your consumer rights and requesting that they validate the debt by sending them a Debt Validation Letter.

How to deal with 800-846-6406 and stop their calls

Dealing with GC Services debt collectors (800-846-6406) is frustrating; they can call multiple times a day and may threaten you with arrest or lawsuits if you do not agree to pay immediately. The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) protect you against such mistreatment. They allow you to execute the following strategies to stop calls from GC.

Keep a call history

Record the dates and number of times you receive a call from 800-846-6406 or any other GC Services number. Ask for the name of the debt collector and their employee number. Take note of important details such as your financial or personal information they share. Write down any threats and tendencies of harassment.

Find out if your state laws allow you to record debt collector calls

Some states allow consumers to record phone calls without disclosing that they are doing it. In other states, you must disclose that you are recording the call to the debt collector. Confirm if your state laws allow you to record calls from collection agencies. Legally recorded phone conversations can help you stop the calls and beat GC Services in court.

Request for debt validation

Requesting for debt validation will help you avoid being scammed, paying a debt that is not yours, or paying an excessive debt amount. Sending a ZumaZip Debt Validation Letter will ensure you receive the details you need to confirm your debt. The letter should contain the creditor’s information, the debt breakdown and indicate your right to dispute the debt within 30 days.

Many debt collection agencies like GC Services would rather dismiss the debt than use the time, money, and resources it takes to validate the debt. For this reason, debt validation can be your secret weapon to getting GC Services off your back. If GC Services fails to validate the debt and keeps contacting you after you’ve sent them a Debt Validation Letter, they are in direct violation of the FDCPA, and you could be entitled to compensation according to the law.

You can draft a Debt Validation Letter with ZumaZip in minutes.

Ask GC Services to stop calling

The best way to stop GC Services debt collectors’ calls is to send a cease and desist letter. The letter tells GC Services to stop further communication with you. You can direct them to do it in writing or work directly with your attorney. This letter only applies if GC Services is the collection agency hired by a creditor you know.

Get a credit history report

If you are sure you do not own the debt they are calling about or the debt figures are outrageous, you can request your credit history report from Equifax, Experian, and TransUnion. A copy of your credit report is essential to combating negative information and will help you determine if there is other inaccurate information on the report.

Ready to stop calls from 800-846-6406?

The Federal Trade Commission recently agreed to a $700,000 settlement with GC Services to resolve allegations of unlawful tactics GC Services had used to collect federal student loans and other debts over the phone. Here is a statement from their President, Frank A Taylor:

“We are pleased to have resolved this matter with the Federal Trade Commission, which concerns phone calls made some years ago. We cooperated fully with the FTC’s investigation. We are also pleased the FTC alleged no conduct that was abusive, deceptive, or harassing towards our clients’ customers. This settlement will shed light on how to leave voice messages that comply with the FDCPA, an issue on which courts have disagreed.” – Frank Taylor

GC Services is not above the law; you can take action against them if they continue calling after following the steps discussed here. Report them to your state’s attorney’s general office, FTC online platform, call 877-382-4357, or the CFPB website and submit a complaint or call 855-411-2372.

ZumaZip can also help you stop GC Services Limited Partnership calls through using our professional Debt Validation letter.

What is ZumaZip?

ZumaZip is a convenient solution designed to streamline your response to a debt collection lawsuit. Here’s a breakdown of what you can expect when you use ZumaZip:

Firstly, you’ll access our user-friendly web application, which guides you through the process step by step. You’ll be prompted to answer a series of questions related to your specific situation. Once you’ve completed the questionnaire, you have the option to either print out the finalized forms and mail them to the appropriate courts yourself, or you can opt to utilize ZumaZip’s services to file them on your behalf. Additionally, if you choose this option, an attorney will review your document for added peace of mind.

If you’re seeking guidance on how to effectively respond to a debt collection lawsuit, ZumaZip can provide the assistance you need. Feel free to explore our FAQs for more information on what ZumaZip has to offer.

What if I haven’t been sued yet?

If you’ve only received a collections notice, but not a lawsuit, the best way to respond is with a Debt Validation Letter. When a debt collector contacts you in any way, whether it’s by phone or mail, you can respond by formally requesting a debt validation with a Debt Validation Letter . This letter notifies the collector that you dispute the debt and forces them to provide proof you owe the debt. They can’t call you or continue collecting until they provide validation of the debt. This flowchart shows how you can use a Debt Validation Letter to win.

Get started with a Debt Validation Letter here.

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