GC Services is collecting auto loan debt in Arizona where the statute of limitations is 6 years. Average auto loan debt: $23,792. Garnishment limit: 25% of disposable earnings.
6 years
Statute of Limitations
$23,792
Average Auto Loan Debt
25% of disposable ea
Garnishment Limit
Known GC Services Violations
Harassment through excessive calling frequency
Threatening garnishment in states where it's limited
Failing to honor written cease communication requests
Dispute Strategies
Challenge deficiency balance after repossession
Verify the sale was commercially reasonable (UCC requirement)
Dispute if proper repossession notice wasn't given
Check for state-specific redemption rights
Validate any collection attempts under FDCPA
Arizona Protections
ARS § 32-1001 (Collection Agency Licensing). File complaints with: AG Consumer Protection.
• Collectors must be licensed in Arizona
• Community property state — spouse debt implications