Average credit card debt: $5,221. Credit card debt is the most common consumer debt in America. Under the FCBA, you have 60 days to dispute billing errors. Many collection accounts lack proper documentation.
Common GC Services Violations
Harassment through excessive calling frequency
Threatening garnishment in states where it's limited
Failing to honor written cease communication requests
Credit Card Debt Dispute Strategies
1
Request debt validation under FDCPA § 1692g
2
Dispute billing errors under FCBA within 60 days
3
Check if debt exceeds statute of limitations
4
Negotiate settlement at 40-60% of balance
5
File CFPB complaint if collector violates 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