No, we do not use the postmark date from the envelope. Your payment is considered received the day it is delivered to our payment processing center or operations center.

Payments received in proper form on a business day prior to 8:00 p.m. ET will be effective dated and processed as of the date of receipt.

The CA address is our payment processing center. You may send overnight payments to our operations center at:

GMFS LLC c/o Specialized Loan Servicing
8742 Lucent Blvd., Suite 300
Highlands Ranch, CO 80129-2386

Yes, please call 1-866-392-1860 to speak to a Customer Care Representative or make a payment using the automated system. Please have your bank account number and routing number available when you call.

Yes, we do offer a monthly payment deduction plan at no charge to our customers. Contact our Customer Care Department at 1-866-392-1860 to create an automatic payment draft from your bank account. You may also enroll on-line after logging into your GMFS web account or select a printable enrollment form which you can mail, if you prefer. Please note, your financial institution may charge a fee. Please contact your bank directly for questions regarding related fees. We are also happy to offer deductions more frequently than monthly.

Your payment is considered late one day after the payment due date. However, late charges are assessed in accordance with the “grace period” specified in your Note or Retail Installment Contract.

If two or more weeks have elapsed since you sent your payment, please contact our Customer Care Department at 1-866-392-1860. Our hours of operation are Monday through Friday, 6:00 a.m. until 6:00 p.m. MT.

You may set up electronic billing by logging in to your online account. In order to activate this service, the primary borrower must initiate the setup. The electronic service may take a full billing cycle to activate. You can also cancel this service using your online account, or you may contact our Customer Care Department at 1-866-392-1860. Our hours of operation are Monday through Friday, 6:00 a.m. until 6:00 p.m. MT.