(201) 297-5563

This number is a number for G.C Services. This is a collection agency who handles a large amount of citibank accounts. citibank also owns sears, and macy's. If they call

HOW TO HANDLE ILLEGAL DEBT COLLECTION CALLS - SO THEY END UP PAYING YOU Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!Dealing with Debt Collectors http://www.budhibbs.com/First.htm    Statute of Limitations by State – always double check YOUR OWN STATE Government Website http://www.budhibbs.com/statute_of_limitations.htmRecording calls from Debt Collectors - always double check YOUR OWN STATE Government Websitehttp://www.budhibbs.com/record.htmFrom Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT Debt Collection FAQs: A Guide for ConsumersIf you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.Here are some questions and answers about your rights under the Act.What types of debts are covered?The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.Can a debt collector contact me any time or any place? No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.How can I stop a debt collector from contacting me?If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt. Can a debt collector contact anyone else about my debt?If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.What does the debt collector have to tell me about the debt? Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money. Can a debt collector keep contacting me if I don’t think I owe any money? If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.What practices are off limits for debt collectors?Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:     use threats of violence or harm;     publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);     use obscene or profane language; or     repeatedly use the phone to annoy someone. False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:     falsely claim that they are attorneys or government representatives;     falsely claim that you have committed a crime;     falsely represent that they operate or work for a credit reporting company;     misrepresent the amount you owe;     indicate that papers they send you are legal forms if they aren’t; or     indicate that papers they send to you aren’t legal forms if they are. Debt collectors also are prohibited from saying that:     you will be arrested if you don’t pay your debt;     they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or     legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action. Debt collectors may not:     give false credit information about you to anyone, including a credit reporting company;     send you anything that looks like an official document from a court or government agency if it isn’t; or     use a false company name. Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:     try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;     deposit a post-dated check early;     take or threaten to take your property unless it can be done legally; or     contact you by postcard. Can I control which debts my payments apply to? Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.Can a debt collector garnish my bank account or my wages?If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt. Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.Can federal benefits be garnished?Many federal benefits are exempt from garnishment, including:     Social Security Benefits     Supplemental Security Income (SSI) Benefits     Veterans’ Benefits     Civil Service and Federal Retirement and Disability Benefits     Service Members’ Pay     Military Annuities and Survivors’ Benefits     Student Assistance     Railroad Retirement Benefits     Merchant Seamen Wages     Longshoremen’s and Harbor Workers’ Death and Disability Benefits     Foreign Service Retirement and Disability Benefits     Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.     Federal Emergency Management Agency Federal Disaster Assistance But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans. Do I have any recourse if I think a debt collector has violated the law? You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.What should I do if a debt collector sues me?If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights. Where do I report a debt collector for an alleged violation?Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.For More InformationTo learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad February 2009File complaints with Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=enYour State Attorney General State Attorney General is every state they have offices Link to all State Attorney General Websites www.naag.orgIf you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.comThis special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S CRACKING DOWN AND SHUTTING THEM DOWN!    Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

This person called my number and ask for me personal but when I called back and ask her how they've got my name she hung up she claimed to be from California but  this area code 201 is from New Jersey

My sister received a Call From This Number asking for Maria Gonzalez  she told the woman she didnt know who it was then they gave her my name i called this number a young lady answer  she asid it was a wrong number I sk her how they got my name and my sisters phone number in Puerto Rico

I received a random call from this number at 6:19 2/2/2010.

I received a random call from this number at 6:19 2/2/2010.

I received a random call from this number at 6:19 2/2/2010.

Constantly calling asking questions I told her she has wrong number and am now blobking the number

This number keeps calling I never answer; they never leave a message.

Caller was very rude and called me a liar when I told him I did not know where the person he was looking for was living. Wanted to know if I was his father and if my son was "on the run", then started arguing with me and said his name was Samuniego (sounds like a take off of San Diego, where he said he was calling from). Caller ID said 201-297-5563 but the number he gave me was 1-800-475-7531. I told him I was going to report him and told him not to call here anymore. He just got in my face that much more and I told him that by law if I tell him to quit calling, he must. Didn't phase this guy. What a JERK.

From this number (2012975563) I person called me and asked about the same question also telling the name of a neighbor. When I called back a girl picked the phone and start asking my name. This number 2012975563 has a history of doing this kind of activity, law enforcement people need to check these guys as they act as criminals.

From this number (2012975563) I person called me and asked about the same question also telling the name of a neighbor. When I called back a girl picked the phone and start asking my name. This number 2012975563 has a history of doing this kind of activity, law enforcement people need to check these guys as they act as criminals.

got a call from this number, caller ID said 201-297-5563 but the message left was some fake name, but they knew my name. call back number on the message was 800-311-6497 and some local number she gave but purposely garbled up the last few digits. nice try on their part! this is definitely a collection agency whom uses very underhanded methods.

Hav been receiving calls from this number for months in San Diego. I have no bad debt so I hae no ide why the continue to call me. Very secretive on whey they are calling.201-297-5563

I got a call from a woman with this reported number on 9/27/09.   She knew my name, first and last, as well as my address.   She asked to give a message to the people in another apartment in my complex.  She, however, did not have the right name.  She was asking for a Jade or Gena.   She did give a last name, but I will not repeat it here.  She said she was related to the people and wanted me to convey a message to have them call her.

Received a call from this number. The person asked me to verify my address. When I asked what this was regarding the young woman asked if I knew a person with an address down the street from me and would I place a note with this number on the persons door stating they need to return this call ASAP. The young woman was very rude. I explained I was not going to place a note on my neighbors door asking them to call a collection agency. She said some nasty things and hung up.

Extremely rude person would not tell me where he was calling from and told me that his name was albert and said that he was calling from san diego. I wouldnt give him any information since he wasnt giving me any info. but Very rude. anyone have any idea who they are??

Caller must have ridden short bus.  I've repeatedly told them that person they are looking for does not live here, and even being extremely rude and insulting callers family lineage only stops harassment for 2 weeks.  From San Diego but caller ID from New Jersey. Total A**holes.

GC services is what I got when I called back, stated all calls are monitored, I hung up since they didn't leave a message.

they call and do not answer.

Caller very rude asking my name and last name, saying she's calling from San Diego when my caller ID clearly said Closter, NJ. I asked her name and she said she's Jenine.

Caller very rude asking my name and last name, I asked her name and she said Jenine or something close to it.  She did not estate the purpuse of the phone call and she said that is calling from San Diego.  My caller ID said she is calling from Closter, NJ.

Appears as a missed call on my phone at work.

called my cell phone. Then hung up

constant calling.