Average auto loan debt: $23,792. Auto loans are secured debt — the lender can repossess. However, deficiency balances after repossession can be disputed, especially if the sale wasn't commercially reasonable.
Common GC Services Violations
Harassment through excessive calling frequency
Threatening garnishment in states where it's limited
Failing to honor written cease communication requests
Auto Loan Debt Dispute Strategies
1
Challenge deficiency balance after repossession
2
Verify the sale was commercially reasonable (UCC requirement)
3
Dispute if proper repossession notice wasn't given
4
Check for state-specific redemption rights
5
Validate any collection attempts under FDCPA
Tips Against GC Services
GC Services collects government and student debts — verify with the original agency
Federal student loans have specific protections — don't let collectors mislead you
Government debts may have different rules — research before engaging