Student loan debt is stressful enough without dealing with relentless phone calls. If General Revenue Corp (GRC) collectors are calling you multiple times daily, contacting your workplace, or threatening wage garnishment without proper legal authority, you’re not alone, and you don’t have to tolerate it.
General Revenue Corp specializes in collecting student loan debts for higher education institutions, but that doesn’t give them a free pass to violate your rights. The Fair Debt Collection Practices Act (FDCPA) sets clear boundaries for how collectors can behave, and when GRC crosses those lines, you have legal recourse.
The Wood Law Firm has spent over a decade helping consumers fight back against abusive collection agencies. We can stop the harassment and help you recover up to $1,000 in damages—without charging you a penny upfront.
Who Is General Revenue Corp?
General Revenue Corp (GRC) is a debt collection agency based in Mason, Ohio, specializing in recovering debts for higher education institutions. The company focuses heavily on student loan collections, though they also handle other types of consumer debt.
Company Information:
- Address: 4660 Duke Drive, Suite 300, Mason, OH 45040
- Primary Phone: (800) 234-1472
- Specialization: Student loan debt collection
- Location: Mason, Ohio
Is General Revenue Corp Legitimate?
Yes, General Revenue Corp is a legitimate debt collection agency operating legally in the United States. However, legitimacy doesn’t prevent FDCPA violations. Many consumers report troubling experiences with GRC’s communication style, including aggressive tactics that may cross legal boundaries.
Common Phone Numbers Used by General Revenue Corp
GRC uses multiple phone numbers to contact consumers. Be aware of calls from:
- (607) 235-2916
- (800) 234-1472
- (888) 710-6818
Document all calls from these or similar numbers, including dates, times, and conversation details. This documentation becomes critical evidence if you pursue legal action for harassment.
Recognizing General Revenue Corp Harassment
Understanding what constitutes illegal harassment helps you identify when General Revenue Corp may be violating federal law:
Excessive Call Frequency
Multiple calls per day intended to pressure or harass violate the FDCPA. While no specific number automatically constitutes harassment, patterns of repeated daily calling combined with aggressive tactics may be illegal. Courts have found that 7-10+ calls per day can constitute harassment when intent to annoy or pressure is evident.
Calling Outside Legal Hours
The FDCPA prohibits debt collectors from calling before 8:00 AM or after 9:00 PM in your time zone. If General Revenue Corp contacts you outside these hours, they violate federal law regardless of their intent or the debt’s legitimacy.
Threatening Language and False Claims
If GRC uses abusive or threatening language, makes false claims about legal action they don’t intend to pursue, or misrepresents the consequences of non-payment, these tactics may violate the FDCPA’s prohibition against harassment and false representations.
Unauthorized Third-Party Contact
General Revenue Corp cannot discuss your debt with family members, friends, neighbors, or employers except to locate you. They can only ask for your contact information and cannot reveal that they’re collecting a debt. If GRC has discussed your debt details with third parties, this violates your privacy rights under federal law.
Improper Workplace Contact
GRC may contact your employer only to verify employment for wage garnishment purposes—and only after obtaining a court judgment. They cannot discuss your debt with your employer or continue calling your workplace after being told such contact is prohibited or inconvenient.
Your Rights Under the Fair Debt Collection Practices Act
The FDCPA establishes clear protections against abusive debt collection:
Communication Time Restrictions Collectors can only contact you between 8:00 AM and 9:00 PM. They cannot call your workplace after being told your employer prohibits such calls or that workplace contact is inconvenient.
Protection from Harassment Collectors cannot use profane or abusive language, threaten violence, call repeatedly to annoy you, or engage in conduct meant to harass, abuse, or oppress you.
Right to Debt Validation Within five days of initial contact, General Revenue Corp must send written notice containing the debt amount, original creditor name, and your right to dispute. You have 30 days to request detailed validation in writing.
Privacy Protection GRC cannot discuss your debt with unauthorized third parties. Your spouse and attorney are generally the only people they can contact about your debt details.
Protection from False Threats Collectors cannot falsely threaten legal actions like lawsuits or wage garnishment if they lack authority or don’t intend to pursue these actions.
Right to Stop Communication You can send a written cease-and-desist letter demanding General Revenue Corp stop all contact. After receiving your letter, they can only contact you to confirm cessation or notify you of specific legal actions.
Right to Sue for Violations If GRC violates the FDCPA, you can sue for statutory damages up to $1,000, actual damages for emotional distress, and attorney fees. The violating collector pays all legal fees by law.
Can General Revenue Corp Garnish Your Wages?
Wage garnishment rules differ significantly between federal student loans and other debts:
Federal Student Loan Garnishment
If General Revenue Corp collects federal student loan debt, they can pursue administrative wage garnishment without a court judgment. However, they must:
- Provide written notice at least 30 days before garnishment begins
- Inform you of your right to inspect records and request a hearing
- Allow you to present evidence of financial hardship
- Limit garnishment to 15% of disposable income
Other Debt Types
For non-federal student loan debts, General Revenue Corp must:
- File a lawsuit against you
- Serve you with proper legal notice
- Win a court judgment proving you owe the debt
- Obtain a separate wage garnishment order
State Garnishment Protections
Federal law caps garnishment at the lesser of:
- 25% of disposable earnings, or
- The amount by which weekly disposable earnings exceed 30 times the federal minimum wage
For federal student loans, the limit is 15% of disposable income. State laws may provide additional protections.
Threats of immediate garnishment without proper notice or legal authority may violate the FDCPA.
What to Do When General Revenue Corp Contacts You
Taking the right steps from the beginning protects your rights and creates evidence for potential legal claims:
Verify the Debt in Writing
Don’t acknowledge the debt during initial phone contact. Request written validation containing:
- The exact amount claimed
- The original creditor’s name
- Proof GRC owns the debt or is authorized to collect it
- Complete payment history
- Documentation showing the debt is within your state’s statute of limitations
Send your validation request within 30 days of initial contact via certified mail with return receipt.
Document Every Interaction
Keep detailed records of all communication:
- Date and time of each call
- Phone numbers GRC called from
- Names of collectors who contacted you
- Complete conversation details
- Any threats, false statements, or abusive language
- Voicemail messages (save recordings)
- All written correspondence
This documentation provides critical evidence for FDCPA violation claims.
Know Your Rights Before Responding
Familiarize yourself with the FDCPA before engaging with General Revenue Corp. Understanding what collectors can and cannot do helps you identify violations immediately and respond appropriately.
Never Provide Banking Information Over the Phone
Never give General Revenue Corp direct access to your bank account during phone conversations. All payment arrangements should be made in writing with clear terms documented before providing any financial information.
How to Stop General Revenue Corp from Calling
You have multiple legal options to end unwanted contact:
Send a Written Cease and Desist Letter
Federal law requires collectors to stop contacting you after receiving a written cease-and-desist demand. Your letter should clearly state:
“I am exercising my right under 15 U.S.C. § 1692c to demand that General Revenue Corp cease all communication with me regarding the alleged debt referenced as account number [insert number].”
Include your name, address, and account number. Send via certified mail with a return receipt.
After receiving this letter, General Revenue Corp can only contact you to:
- Confirm they will stop communication
- Notify you of specific lawsuits they’re filing
Any other contact violates federal law.
Limit Contact to Written Communication Only
Instead of complete cessation, you can demand they only contact you in writing. This stops phone calls while maintaining a paper trail of their collection efforts.
Report Violations to Authorities
File complaints with:
- Consumer Financial Protection Bureau: Online at consumerfinance.gov
- Federal Trade Commission: Investigates consumer protection violations
- Ohio Attorney General: State-level consumer protection enforcement
- Your State Attorney General: If you live outside Ohio
These complaints create public records and may trigger investigations.
Take Legal Action
Contact The Wood Law Firm at 📲 844-638-1122 to immediately stop harassment while pursuing compensation for FDCPA violations. We handle all collector communication and build cases for maximum damages.
Responding to a General Revenue Corp Lawsuit
If General Revenue Corp files a lawsuit to recover debt, immediate action is critical:
Verify the Lawsuit’s Legitimacy
Confirm authenticity by:
- Checking court records directly through the court clerk’s office
- Verifying the case number, filing date, and court location
- Confirming you were properly served according to your state’s service rules
Never Ignore Court Documents
Ignoring a lawsuit results in default judgments that grant General Revenue Corp significant collection powers including wage garnishment and bank account levies. Even if you believe the debt isn’t valid, you must respond to protect your rights.
File Your Answer on Time
Most states require written responses within 20-30 days of service. Your answer should:
- Specifically admit or deny each allegation
- Raise affirmative defenses (expired statute of limitations, lack of documentation)
- Assert counterclaims for FDCPA violations if applicable
Examine Their Evidence
General Revenue Corp must prove:
- You owe the debt
- The amount is accurate
- They own the debt or are authorized to collect it
- The statute of limitations hasn’t expired (for non-federal student loans)
Many collectors struggle to provide complete documentation chains, especially for debts sold multiple times.
Get Legal Representation Immediately
Consumer protection attorneys identify defenses and counterclaims that shift leverage to you. Call The Wood Law Firm at 📲 844-638-1122 for immediate lawsuit assistance.
How General Revenue Corp Affects Your Credit Report
General Revenue Corp may report collection accounts to credit bureaus, potentially damaging your credit score significantly:
Credit Reporting Rules
Collectors must:
- Verify debt accuracy before reporting
- Investigate disputes within 30 days
- Report the investigation results to you and the credit bureaus
- Correct or delete inaccurate information promptly
Your Dispute Rights
You can dispute collection accounts directly with all three credit bureaus (Equifax, Experian, TransUnion). Bureaus must investigate within 30 days and remove information they cannot verify.
Collection Account Duration
Most collection accounts remain on credit reports for seven years from the original delinquency date. However, federal student loan default can remain until the loan is paid or otherwise resolved.
Credit Score Impact
Collection accounts typically drop credit scores 50-100+ points or more. However, newer credit scoring models may reduce the impact of paid collections or ignore them entirely.
What General Revenue Corp Claims About Their Practices
General Revenue Corp states that they understand the importance of fair and respectful debt collection practices. According to their public statements, their agents are trained to handle debt collection with sensitivity and professionalism, adhering to all relevant laws, including the FDCPA.
They claim their practices include:
- Sending clear communication about debt obligations
- Providing payment and repayment plan options
- Working with consumers to resolve disputes
- Maintaining accurate records of interactions
- Handling all interactions professionally and respectfully
Despite these stated commitments, many consumers report experiences that contradict these claims. If you believe General Revenue Corp’s actual practices don’t match their stated policies, documentation of violations becomes critical for legal action.
Understanding Student Loan Collection Laws
Student loan debt collection operates under unique rules that differ from other debt types:
Federal Student Loan Special Rules
Federal student loans have no statute of limitations—collectors can pursue them indefinitely. Additionally:
- Administrative wage garnishment doesn’t require court judgments
- Tax refunds can be seized without court orders
- Social Security benefits can be offset
- Professional licenses may be affected in some states
Private Student Loan Rules
Private student loans follow standard debt collection rules:
- Subject to state statutes of limitations (typically 3-6 years)
- Require court judgments for wage garnishment
- Cannot seize tax refunds or Social Security benefits
- Must follow all FDCPA requirements
Your Rights Remain Protected
Whether collecting federal or private student loans, General Revenue Corp must still follow FDCPA rules prohibiting harassment, abuse, false threats, and privacy violations.
Client Success Stories
Case 1: Workplace Harassment Stopped – $3,100 Recovery
Daniel’s supervisor received multiple calls from General Revenue Corp discussing his student loan debt over three weeks. These third-party disclosures violated the FDCPA and nearly cost him his job. The Wood Law Firm documented the violations and secured $3,100 in damages. All workplace contact ceased immediately.
Case 2: Excessive Calling Pattern Ended – $2,700 Settlement
General Revenue Corp called Lisa 8-12 times daily for two weeks despite her repeated requests to stop. After contacting The Wood Law Firm, we documented the excessive calling pattern and filed suit for FDCPA violations. We obtained a $2,700 settlement and permanently stopped all collection attempts.
Case 3: False Garnishment Threats – $3,400 Damages
GRC threatened Marcus with immediate wage garnishment for a private student loan debt, without having a court judgment. These false threats violated federal law. The Wood Law Firm secured $3,400 in damages for the illegal intimidation tactics and obtained a cease-and-desist order.
About The Wood Law Firm: Student Loan Harassment Specialists
The Wood Law Firm has defended consumers against abusive debt collection practices since 2010, with extensive experience handling student loan collector harassment. We specialize exclusively in Fair Debt Collection Practices Act, Fair Credit Reporting Act, and Telephone Consumer Protection Act violations, maintaining an A+ Better Business Bureau rating.
Our Consumer-Focused Approach
We understand student loan debt collection creates unique stress and anxiety. Our team provides compassionate representation while aggressively pursuing maximum compensation for violations. Every client works directly with experienced attorneys who understand federal student loan regulations and consumer protection laws.
Attorney Jeff Wood’s Experience
Jeff Wood brings over 15 years of consumer protection experience to every case. Licensed in Arkansas, he represents clients in federal courts across Arkansas, Colorado, New Mexico, Texas, Indiana, Michigan, Missouri, Tennessee, and Wisconsin. His extensive federal court experience includes successfully litigating against debt collectors including General Revenue Corp.
Nationwide Legal Network
The Wood Law Firm maintains Of Counsel relationships with attorneys licensed in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia. This network ensures comprehensive representation regardless of your location.
Why Clients Choose Us
No Upfront Costs: You pay nothing unless we win. Federal law requires violators to pay your attorney fees and damages.
Proven Results: We’ve successfully handled cases against General Revenue Corp and other student loan collectors, securing favorable settlements and judgments.
Personal Service: You communicate directly with your attorney throughout the case. We keep you informed at every stage.
Contingency Fee Structure: We only get paid if you win your case, eliminating all financial risk.
Free Consultations: We offer free initial case evaluations without financial pressure or obligation.
Take Action Against General Revenue Corp Today
If you’re dealing with General Revenue Corp harassment, don’t wait to seek help. Student loan debt is stressful enough without enduring illegal collection tactics.
Free Consultation Available Now
Call 📲 844-638-1122 to speak with experienced consumer protection attorneys. During your free consultation, we will:
- Review your situation in complete detail at no cost
- Identify specific FDCPA violations General Revenue Corp committed
- Explain all legal options clearly
- Stop harassment immediately upon retention
- Pursue maximum compensation through settlement or litigation
Important Time Limits: FDCPA claims must typically be filed within one year of violations. Don’t delay—contact us today to protect your rights and hold General Revenue Corp accountable.
You don’t have to face student loan collector harassment alone. Let us help you regain control and peace of mind.
Useful Resource: Ohio Attorney General – Consumer Protection
Frequently Asked Questions
Why is General Revenue Corp calling me?
General Revenue Corp is likely contacting you about a student loan or other education-related debt on behalf of a higher education institution. They specialize in collecting unpaid student loans and may be attempting to recover debt you allegedly owe.
Is General Revenue Corp a legitimate company?
Yes, General Revenue Corp is a legitimate debt collection agency based in Mason, Ohio, specializing in student loan debt recovery. However, legitimacy doesn’t prevent FDCPA violations—many consumers report aggressive tactics that may cross legal boundaries.
Can General Revenue Corp garnish my wages?
For federal student loans, yes, they can pursue administrative wage garnishment (limited to 15% of disposable income) without a court judgment. For other debts, they must obtain a court judgment first. Threats of immediate garnishment without proper authority may violate the FDCPA.
What are the signs of General Revenue Corp harassment?
Signs include multiple daily calls, calls outside legal hours (before 8 AM or after 9 PM), abusive or threatening language, discussing your debt with family or employers, and false threats of legal action they don’t intend to pursue or lack the authority to take.
How can I stop General Revenue Corp from calling me?
Send a written cease-and-desist letter via certified mail demanding no further contact. After receiving your letter, they can only contact you to confirm cessation or notify you of specific lawsuits. Continued contact after cease-and-desist violates federal law.
Can I sue General Revenue Corp for FDCPA violations?
Yes. If General Revenue Corp violates the FDCPA through harassment, false threats, privacy violations, or other illegal tactics, you can sue for statutory damages up to $1,000, actual damages for emotional distress, and attorney fees paid by the violating collector.
Will unpaid debts with General Revenue Corp affect my credit?
Yes, unpaid debts may be reported to credit bureaus, potentially lowering your credit score significantly. Collection accounts typically remain on credit reports for seven years, though federal student loan defaults may remain longer until resolved.
What should I do if General Revenue Corp sues me?
Never ignore lawsuits. Respond immediately by filing an answer within your state’s deadline (typically 20-30 days), gather all documentation, raise available defenses, and contact The Wood Law Firm at 844-638-1122 for immediate legal assistance protecting your rights.
Can General Revenue Corp contact my employer about my debt?
They may only contact your employer to verify employment for wage garnishment purposes after obtaining a court judgment. They cannot discuss your debt with your employer or continue workplace calls after being told such contact is prohibited or inconvenient.
How can The Wood Law Firm help with General Revenue Corp harassment?
We stop harassment immediately upon retention, document FDCPA violations, file complaints and legal notices, represent you in legal proceedings, and pursue statutory damages plus actual damages with no upfront costs. We work on contingency; you pay nothing unless we win. Call 844-638-1122 for a free consultation.
