Start My Answer

How to Beat GC Debt Collection

Chloe Meltzer | October 19, 2022

You may have a debt, but you also have a defense.

Summary: Are you being sued by GC Debt Collection for an past due debt? Make the right defense and win your case in court.

If you have missed payments on one of your bills, you may get phone calls from a company called GC Services. GC Services is a debt collector who will work to force you into paying your debt. To legally collect from GC Debt must open up a collection account on your credit report, this will hurt your credit score and possibly prevent you from obtaining loans in the future.

This can stay on your report for up to seven years even after paying the debt. They may use illegal methods and a violation of your rights. If you can understand what your rights are, then have a better chance of beating the debt lawsuit.

Who is GC Services?

GC Services is one of the largest collection agencies in the country. It was founded in 1986 and has its headquarters in Houston. With over 9000 employees, they generate around $100 million in revenue per year. This is done by collecting on debts. They collect on various debts such as those from student loans, utilities, cable, telecommunications, and more.

Stand up to even the biggest debt collectors with SoloSuit.

How to handle a debt collection lawsuit from GC Services

In most cases, debt collection lawsuits will lead to default judgments. This is because most people do not respond to their debt-collection lawsuits. In this instance, you may not want to respond because you are afraid. Whether or not you owe the money, you need to ensure that you respond. Typically you only have 20 to 30 days to respond, so it is essential to be quick in your answering.

In debt collection cases you always have options. The plaintiff in a collections lawsuit (the creditor or debt collector) rests with the burden of proof. This means they are required to show proof to collect on the debt. They also must prove how much you owe.

This is why it is essential to force GC Debt Collection to prove your debt. Simply ask them to produce admissible evidence that the lawsuit is yours. Although you would think this is simple, it is not. In many cases debt has been sold once, or more times, which means that the chain of title is lost. This is a lot more difficult than simply filing the debt collection lawsuit followed by serving the summons and complaint.

Make the right defense the right way with SoloSuit.

Challenge the debt collector's right to sue you

Challenging the debt collector's right to sue you is the best way to remove or decrease a debt lawsuit. In this case, the debt collector must prove that it legally owns your debt. If the debt buyer is not your original creditor then they didn't enter into a contract with you. They can only meet the proof requirement by showing the sale or assignment of the debt.

In many cases, the courts will require that your debt collector has documents showing the purchase or the assignment. If you do not present this possibility to the courts, then they will not pursue it or ask for this from the debt collector. Without doing this discovery, the debt collector will most likely win. If you ask for evidence, then you have a much better chance of winning your case.

Review the statute of limitations

Statutes of limitations govern how long creditors can bring a lawsuit against a consumer. The rules are different in every state, but typically the laws are around four to six years. Some debts have different lengths, and some can be anywhere from two to 20 years.

What you need to know about the statute of limitations is that it will begin on the last day you were active on an account. “Activity” is considered making a payment, pulling funds from an account, or making a purchase. You mustn't make a payment on a debt that you owe if it is a few years old. This can restart the statute of limitations and ruin your chases of having the lawsuit thrown out.

Because making a payment on an account can restart the clock for your debt, many debt collectors will reach out to consumers who have either expired debts or soon to be expired debts. These are called zombie debts, and this is a common debt collection tactic. Even paying $5 towards the balance of your debt will restart the statute of limitations.

Although you can no longer be sued for a debt after the statute of limitations has expired, it does not mean that you do not owe it. You will need to ensure that you still pay off the debt, or settle it because it will continue to haunt you, you will just about the debt collector's calls. This debt will stay on your credit report for up to seven years, and be considered debt for as long as you owe it.

Respond to debt collectors in 15 minutes with SoloSuit.

Settle the lawsuit for less than what is owed

Most often debt collectors purchase debts for pennies on the dollar. This gives you some leverage when negotiating a settlement. Even if you are not able to get the lawsuit tossed on a technicality, you can still settle for much less than you initially owed. Especially when you mention that you may file for bankruptcy, this can help you get a settlement as well. The debt collector would rather make some money off the debt rather than nothing.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

Get Started

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to answer a summons for debt collection guides for other states

Here's a list of guides for other states.

All 50 states.

Guides on how to beat every debt collector

Being sued by a different debt collector? We're making guides on how to beat each one.

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendant's Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouse's Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

You're Drowning in Debt — Here's How to Swim

Help! I'm Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Here's What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review