Start My Answer

How to Beat Global Credit Collection Corp in a Debt Lawsuit

Chloe Meltzer | October 19, 2022

What debt collectors don't want you to know.

Summary: Is Global Credit Collection Corp suing you for an old debt? Find out how to beat them in court!

When you are contacted by a debt collector it can be terrifying. Whether they use aggressive language or even just a rude attitude, it can be a huge burden and not something that anyone wants to deal with. You may even begin to block numbers and throw out letters that summon you to court for the debt.

If you are being pursued by a debt collector named Global Credit and Collection Corp, you must respond to beat them in a lawsuit. This is because in the event you are contacted by this debt collector, they are well known for their negative reputation and collection tactics. To collect on a debt, Global Credit Collection Corp will open a collection account on your credit report which may stay there for seven years.

Debt collection accounts will continue to destroy your credit until you remove it. The best way to go about that is to respond to the original summons in the first place and beat Global Credit and Collection Corp in a debt lawsuit.

Use SoloSuit to file a response fast and win your case.

Who Is Global Credit Collection Corp?

Also known as Affinity Global or Leading Edge Recovery Solutions, Global Credit and Collection Corp has call centers all over the world but originated in Chicago. Although known for negative collection practices, Global Credit Collection is a legitimate company. They specialize in collecting debts on behalf of Fortune 500 companies.

Although this company has an A+ rating with the Better Business Bureau, they are not accredited and known to be very unpopular with consumers. There are various complaints filed against this debt collector not only with the BBB but also the Consumer Financial Protection Bureau (CFPB).

Some of these complaints are also regarding violations of the Fair Debt Collection Practices Act (FDCPA). If you are struggling with FDCPA violations by Global Credit Collection Corp, you may be able to use this in your defense of a debt lawsuit.

How to Beat Global Credit Collection Corp in a Debt Lawsuit

Understand Your FDCPA Rights

Some laws protect you under the Federal Debt Collection Privacy Act to prevent harassment and mistreatment by third-party debt collectors. The FDCPA is federal legislation that governs how debt collectors may attempt to collect on debts. Although Global Credit and Collection Corp will not want you to know about the FDCPA protections afforded to consumers, they do exist and help defend against a debt collection lawsuit.

Prohibited actions under the FDCPA include:

  • Calling at odd hours (before 8 a.m. or after 9 p.m.)
  • Contacting anyone other than your spouse or lawyer regarding your debt.
  • Continuing to contact you after explaining it is inconvenient for you.
  • Threatening legal action that is not possible.
  • Misrepresenting themselves.
  • Lying about who they are or about your debt.
  • Using abusive language when contacting you
  • Calling after you have requested communication be only through the mail.

If Global Credit & Collection Corp commits any of the above, then you can use this to file a complaint or countersuit. In this case, you might be entitled to a settlement payout or compensation.

Don't ignore your debt collection lawsuit. File a response with SoloSuit in 15 minutes.

What Happens When You Get Served for Debt

Getting served papers for debt can be a stressful situation, but knowing exactly what happens and how to respond can help you to take the proper steps to defend yourself. Follow the steps below to face and win your lawsuit against Global Credit Collection Corp.

You Must Respond

The number one mistake borrowers make when they are sued for a debt is not responding to the debt collection notice. This may have been sent by mail as a summons and complaint. If you owe the debt and cannot pay it, you can still respond to the debt to avoid a default judgment.

If you do not respond, then the collection agency will automatically obtain a default judgment which leads to a whole host of problems such as wage garnishment or taking money directly from your bank account. Debt collectors are also able to add the cost of lawyer fees, and interest to your account if you do not respond. This can skyrocket the costs of your debt collection lawsuit.

How to Respond

Responding to a debt collection lawsuit is called filing an “Answer” with the clerk of court. When filing an Answer there are a few things to remember:

  • Never admit liability for the debt and force the debt collector to prove your responsibility.
  • File the Answer with the Clerk of Court.
  • Obtain a stamped copy of the Answer from the Clerk of Court.
  • Send the stamped copy certified mail to Global Credit Collection Corp.
  • You must respond within the time period outlined on the summons.
  • Missing the deadline can lead to a default judgment and once that is entered, you may not be able to dispute it thereafter.

Challenge the Legal Right to Sue

The next step is to challenge the legal right to sue. This is because once the debt collection lawsuit is in place, the debt may have passed hands multiple times. This can be good for you because whoever is suing you is required to show proof that they are legally allowed to do so. Proof may include a credit agreement signed by you or documentation that the paperwork is accurate. If they are unable to prove this, then the judge will most likely drop your case.

Another option you have is to push back on the burden of proof. This is something that requires the debt collector to prove that you are responsible for the debt, and also that they legally have the right to sue you.

SoloSuit makes it easy to respond to debt collectors.

Final Steps of Defense

Finally, you can point to the statute of limitations. The statute of limitations governs how long you can be sued for debt. Most often this length is six-year, but it varies from state to state. In the event a debt collector is suing you for debt after this time, you can have the lawsuit thrown out because they cannot legally sue you for debt any longer.

Whichever decision you make, you should remember that your financial history will follow you for the rest of your life. Be sure to watch your credit score and continue to monitor any potential debt lawsuits against you.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

Get Started

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to Answer a Summons for Debt Collection Guides for Other States

Here's a list of guides for other states.

All 50 states.

Guides on How to Beat Every Debt Collector

Being sued by a different debt collector? We're making guides on how to beat each one.

Win Against Credit Card Companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get Answers to These FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendant's Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouse's Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

You're Drowning in Debt — Here's How to Swim

Help! I'm Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Here's What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review