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