Start My Answer

Stop calls from 800-846-6406

Dena Standley | October 19, 2022

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

This is you when 800-846-6406 keeps calling.

Summary: Do you keep getting calls from 800-846-6406? SoloSuit 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 SoloSuit 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.

To learn more about Debt Validation Letters, check out this video:

You can draft a Debt Validation Letter with SoloSuit 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.

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

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

We have answers.
Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.

Ask a Question

>>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 in your state

Here's a list of guides for other states.

All 50 states.

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah; File a Motion to Satisfy Judgment
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

    Guides on how to beat every debt collector

    Being sued by a different debt collector? Were 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 Defendants 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 Spouses 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

    Youre Drowning in Debt — Heres How to Swim

    Help! Im 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? Heres 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

    Do Debt Collectors Ever Give Up?

    Can They Garnish Your Wages for Credit Card Debt?

    How Often Do Credit Card Companies Sue for Non-Payment?

    How Long Does a Judgement Last?

    ​​How Long Before a Creditor Can Garnish Wages?

    How to Beat a Bill Collector in Court