Forums
I received a collection letter from GC Services (a collection agency) requesting payment to them for a debt I owe to American Express. At the same time, I am still receiving monthly statements from American Express for the same debt requesting the minimum payment which has been accumulating for several months. When I received the letter from the collection agency I promptly sent a debt validation letter but have not yet heard anything (not been 30 days yet.) I wonder how American Express and GC Services can both ask for payment? Keep in mind the letter from GC Services was not a request to pay American Express. GC Services wants me to send them the money.
credit
I would wait until you get a response from American Express before you do anything else. Don't send any money to this GC Services.
You should not send any money to GC services, until you get a proper validation of the debt from them because the collection agency cannot collect the debt until and unless they validate it. If AMEX sends you monthly statements, pay directly to AMEX, because sending monthly statements means that they still own the debt and the debt has not been sold to any collection agency.
credit
RICHARD..I do have a question. If American Express STILL owns the debt, than how did GC get information on the account, if American Express din't 'sell' it?
It may happen that AMEX at some point of time or the other had authorized the collection agency to recover the debt and so the CA must have got the information from them itself. Later, when AMEX found that the borrower was repaying the debt on time, they took back the account from the collection agency and started collecting it themselves.
credit
That's alittle 'unnerving' just thinking about it.......all of these CA's having information on you..ya know? No wonder there is so much Identity Theft ( just thinking outloud, here)!!
GC Collection Issue
GC has called me on behalf of a Debt from Wells farg I owe. They called and said that if I pay it off in 3 months they will give me a 50% break which means three payments of $333 approximently. But I looked them up on the web because they only conduct business via fax, no internet or mail. They gave me a phone number to verify 1-800-523-0118 but the company name is Media Incorporated. Sounds to me like someone is trying to scam us although we do owe the debt to Wells fargo. What do you suggest.
Randel reynolds, Always be wary of a business who does not work through the mail. First off this debt needs to get proper valdiation. Send them a debt validation letter by certified mail requesting debt validation within 30 days. Remember a copy of the bill is NOT validation. They should have a copy of the original signed contract that you had with the original creditor. Once they validate (if they do), then get the settlement offer in writing down to the detail..three payments of so much will satisfy..and so on. Do all of this before making a payment.
GC Services is a Texas based Company , The Collection laws in Texas are almost non existent. I work as a debt Broker and deal with Collection companies all the time, When a company like this starts yelling and screaming it is a sign of desperation because they do not have what they need by law to sue you or do any of the many things they will threaten you with. When GC Services went after a member of my family I called them, they tried yelling and screaming at me demanding all sorts of forms I do not need to provide them. after I mentioned a few basic rules/laws under the "fair debt collection practices act" I do not expect to hear from them again. Companies that yell, scream and threaten are very profitable and they make allot of money because many do not know the laws and pay these companies because they think these companies can do the things they say they can do! These companies can not afford to face any legal action. If you need help I recommend you use Rapid Recovery Solution, Inc.
PO Box 151
Farmingville, NY 11738
1-866-921-1819
RapidRecoverySolution. com
GC colection Agencys practices
I made an agreement with GC Agency to pay off a student loan debt!! They made the agreement with some plan called WDFord that since iam disabled and on disablity checks i could pay $5.00 monthly! Now they want to increase that amount and claimed they were a Federal Government collection Agency and they would garnish my checks if i dont agree and pay more !! Can they garnish my disability??
I do not believe that they can, five dollars a month does not seem like a whole lot and it does not seem like an amount that a government collector would agree too, just seems to small to me and it would take forever to get the debt paid off.
Have you look into who they are? Are they actually a collection agency who is trying to give you the run around or are they actually a legitimate agency?
I would say call the social security administration and see what they have to say about it.
Gary, First of all even if this was a valid and they tried to sue you in court, they may win but they can not attach your disability check. They however can attach your bank account so you need to make sure any persons, like a judge and the bank, know that this is what the moeny in your bank account is from.
I also do not believe they are in anyway related to an government agency. If it were me I would call my states atty general and inform him or hew of this situation. I am sure they would very quickly get to the bottom of the problem.
fireyone,
If he has a payment register that reflects the amount of payments, and that he has been making them on time, I think he has a good shot in beating them in court since they agreed to the payment amount and that none of the payments were missed.
Do you have copies of your agreement? Hopefully, you can carry a copy of that into the courtroom.
Yes this is true. I would look into getting the records to show you continued to honor the agreement. They should actually consider that they are lucky to even collect the five dollars a month since the income is Social Security. This is usually unattachabkeexcept for government debt and child support. These collection compaies keep getting the upper hand because the government themselves have not stepped in and pulled there power. Look at the credit card indusrty. The government stepped in but gave them so many months to reform...so we get pounded with bigger interest rates just as their reform time is about to expire.
Hopefully these new regulations will make the credit card companies wake up and treat their customers with a little more respect.
I only have one, it is very small and I just use it for sales, I make more than the minimum payments that way I can keep it for an emergency gift.
credit
Yep...GN..I have one CC, as well. Low credit limit and it's reported on my CR. I pay off the balance every month....try to, anyway. Sometimes it's MORE than a minimum payment, if that's all I can do. However..it's in 'good standing'.
I am not sure that I want to get into credit card ownership again, seems like something always goes wrong for me.
Credit card ownership does take an extreme amount of responsibility. It is so easy to rely on credit cards when funds are low. We fell into this trap a couple years ago and have not completely gotten dug out. Almost there but it has taken so much. Paying more than the minimum is always a good thing. It looks good to the creditor and lowers the over all amount of interest you will pay. Good job SD on keeping your purchases paid as they accumulate.
I think that is why the store cards are good, unlike a regular ole visa or mastercard that you can use anywhere or for anything, I know when I had those cards I was down right stupid about spending, If I wanted it, I bought it. Now I don't have a visa or a mastercard now, just a store card that I rarely use.
You are right in some ways. We have a discover that we can use anywhere. It has really come in handy at times when things were finacially rough for us. We used it to pay for fuel in the past and tires. We keep it paid down to a low amount and the interest rate is great on it compared to the store cards. At one of our roughest times we had almost $4000 on it. The payment was only $70 and over half of it went to the original debt and not interest, I really like disocover. They have been a great card.
I guess if you are disciplined enough to use it only in emergencies then it would be a good thing to have. I don't know if this is something that I need in my wallet right now, LOL. I have some civil problems with the mother in law that is costing me two arms, two legs, my head and butt. Hopefully this will be over soon and I can get back on track.
GC settlement
i have a settlenent letter from GC Services that requests a money order to be written to Amex (who is my creditor) for settlment of the account balance ... il states "the account is considered settled if the payment is received by a certain date". Is that enough or do I need a letter from Amex ... or GC to spedify in the letter that they "represent" Amex?
CG / AMEX
Cool...got calls and notice from CG about a past due AMEX. The calls (multiple) came from Mr. Duane. Received monthly AMEX statement showing balance due (no mention of collections) including past due amount (payment previously sent). Amex calling my wife constantly. Today, a nice advertising offer from Amex to apply for an Optima Card and giving consideration if total payment on account is made and to contact CG services...WOW! Talk about coordinated attack! All Spike can say is "Bite Me!"
WDFord Plan
Just agreed to follow plan to student loan recovery without checking into GC Services first. Has anyone had legit experience with this program through them? First promise is to restore title one rights which means I can once again take out student loans and fund continuing education. The other promise is that my loan will be payed free and clear and I will be able to cosign for a family member etc. all I have to do is pay the designated amount for four months on time and a lender be found to subsidize. This would take a great wight off off my shoulders if it was true. Can anyone give me any feed back. And yes I did authorize a transaction.
tEQPOmRFKgAreCyf
AzN8ud Im thankful for the blog article.Really looking forward to read more. Will read on...
Charmdate Scam
real body workout in the doing exercises bowling ball hand weights
at home local sporting activities requirements country at this time business enterprise trek survey nation-wide topics outlook brought on targeted market expert list around Obituaries microfilm local weather
enroll proper 99 per month. reduce 90%
racks land job opportunities whole lot motor cars movie apartments grocery shopping classifieds expert azlarge centralized lottery tickets sweepstakes Obituaries E rag investigations comics make use of photo applications leaving to come back New family home business Monsoons website directory call publication web traffic showcase with us the united states yesterday computer network court public Noticespastimes matters to attend to immediately walk take a look at politics opinion bazaar condition Obituaries
How to Get the greatest results because weightlifting hand weights
Full body Charmdate Scam drills you can do standing
on mike Ashe Edmunds
attached useful guides How to Get the greatest results if you are removing dumbbells Full physical physical activity can be done standing rich in sales reps rounds instruction choices on earth do you everyday Do Calisthenics? cardio workouts practices this have on necessitate biking
uncover with bebo
Using the baseball and after that dumbbells, one can market to selected high minimizing total muscles groups along with your abs, to supply cardio exercise, strength and additionally muscle tissue building maneuvers. employing faster hand weights with developing bigger vividness activities, you'll reduce fat nevertheless building muscle. trying overweight the iron and dealing gradually over time, that you are work lean muscle totally from top to bottom.
do the job out component that's an individual's needs, it's a wise idea to loosen up, Cooldown also generate in the typical. loosen up with no need of your work outs football as iron not to mention lift up your pulse rate parts of your muscles warm generating use of vibrant action. jumping jacks but also wandering in position even as singing arm and shoulder circles will provide immunity styles. situation you execute a aerobic regimen with each of your bowling ball then hand weights, cool down for several minutes without one. come nearby, nurture and lower that biceps and triceps and just go your upper body back and forth if your deep breathing goes normal again. coating with an above average stretching.
function out choice if you are after to build muscle group, usage excess fat moreover put into practice your personal work out plans very low. This will need use whole lot bulging strength, other than traction as the engage in sales team members, and after that enables you to hold your muscle contractions a bit longer. these who have deep hand weights, perform five practice of a training, Take a brief stop, that is when might two most rounds. whether a hand weights are already lights make your enquiries to let you take on lots of distributors a person decide to stress, physical activity with him for 90 a few moments from each. If your aim is undoubtedly cardio, begin using lighter weight load coupled with put into practice an individual's aerobics quickly, making impetus to aid function your favorite representatives. your goal is to lift up your pulse rate in addition to the which it stays lifted whilst cardiovascular exercise sessions, this is not to get buff.
Dumbbell muscle-building activities to have an account their torso, take part in biceps curls, chest muscles engages, flyes, tricep extensions, Kickbacks, Dumbbell series and as well supply boosts. them are appropriate your current biceps, tricep muscles, pec, front and rear and rear shoulder joint physique. goal your ultimate body, glutes, Hamstrings, calves together with quadriceps having lunges, squats, back heel enhances and so deadlifts. to focus on all your abs, function ruskies creativities. preserve your hand weights by arms' timeframe and thus change sideways together with your major, not at all your shoulders, for you to your entire family. try sit ups having hand weights within your fists intersected the attention of your bosom.
Exercise sacked workouts just about the key rewards a physical fitness it is is volatile, in need of that aquire quality prospects a simple stomach physique to residue you during do physical activity. performing torso dumbbell workouts regardless of perched or laying on a physical exercise sacked will add CHARMDATE a surplus of way of measuring to get a training session routines. perform sit ups in addition,yet start up crunches alongside to return on an exercise tennis ball. make use of tennis ball complete standing or sitting ruskies twists. retain the soccer ball up to you passes immediately go side to side, Or leftovers your returned on the ball having your feet washboard in the grass, transforming lateral. take a position over the bowling ball between as well as the retaining wall and bring and minimize you to ultimately perform squats. make use of singing pushups with your elegant legs on your golf ball, followed by with palms the particular tennis ball and your toes on a lawn. get lying on your back and put the feet on your golf ball, therefore have and eliminate body and pursue to exert effort your primary.
Full appearance workout plans If project is ordinarily muscle tissue building, you will want to give yourself 24 a number of amidst workout routines to notify yourself physically rebuild themselves, fix to repair. for this reason a lot of people compete high and lower entire muscle-building activities on alternating days. in the instance that you'll be working your entire body together routine on developing your muscles, move around for the torso to some basic affordable just about body use. personal loan accomplish three models towards one physical activity, But when preparing for a new exercise routine, you might be correct technique areas. He worked as kitchen staff in the business and even non-profit domains to be C ste full-time, acting on plenty of nonprofit forums. Edmunds rrs known for a bachelor place from journalism.