Start My Answer

How to Beat GMAC Financing

George Simons | October 19, 2022

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

When you beat GMAC Financing ^^

Summary: Is GMAC Financing suing you for a debt? SoloSuit can help you take a stand and win in court.

Purchasing and ultimately owning an automobile is considered to be part of the American dream. However, this dream can turn to a nightmare very quickly if you encounter a sudden job loss, suffer a bodily injury that forces you to retire or take a significant amount of time off work, or confront another emergency that drains your financial resources.

If you purchased a car manufactured by General Motors (GM), you may be required to deal with GM Auto Loan Financing (GMAC) and potentially a debt collection agency retained by GMAC to try and collect on a delinquent auto loan.

Generally, GMAC is known to accept a late payment, but if multiple payments are missed, GMAC will not hesitate to proceed with repossession and debt collection.

GMAC Financial has received many complaints

If you're feeling frustrated by GMAC Financial, you're not alone. As of 2022, GMAC received 773 complaints on its Better Business Bureau profile in the past three years. These complaints mention the following actions by GMAC:

  • Reporting inaccurate information to the credit bureaus.
  • Charging excess interest.
  • Violating contractual terms.
  • Reaching a settlement, then changing the terms of the agreement to get more money.
  • Failing to validate a debt.
  • Withholding important documentation when requested by consumers.

Let's take a look at a real example from the BBB complaints.

“There was a settlement agreement made in 02/22. The agreement was supposed to be for $6700 being paid over six months. I made the first payment in February. The second payment was made in 03/22 by the insurance company. Now the company wants to forfeit our agreement. They are now asking for another $6700 and they don't do third party agreement. They took the third party money and refuse to give a refund. They also gave me an unwarranted credit review saying no payment was made. I would for them to honor our agreement and correct my credit report.”

Here's how to deal with GMAC debt collectors

Getting harassed by a GMAC debt collector can be extremely stressful and gut-wrenching. Debt collectors can be overly aggressive, rude, and make empty threats with the goal of getting you to agree to pay the debt purportedly owed. If you are being subjected to this type of harassment, don't give up hope. You have legal options and tools available that can show you how to beat GMAC Financing in court.

Request a copy of the deficiency notice from GMAC

A deficiency notice document should tell you the amount that you currently owe. If you haven't received it, call GMAC and request them to send it via fax or mail. Do not accept as fact any verbal amounts given to you over the phone without written confirmation.

Compare the deficiency total to your loan documents to ensure the amount sounds reasonable. It should be lower than the loan balance of the car and not higher. Remember, deficiency is what's left over after the lender has sold the car and partially recouped some of its costs.

Consider negotiating a debt settlement

Along with learning how to beat GMAC Financing in court, you should consider possibly negotiating with GMAC to try and resolve the case via settlement. If you pursue this option, there are certain strategies and steps you can take to put yourself in the strongest position possible during negotiations.

First, figure out the highest payoff amount that you can reasonably afford based upon the balance owed on the auto loan. Consider offering around 50%of the balance owed. Why? Because it reflects a good faith effort on your part to honor the amount borrowed on the loan. Next, contact the phone number listed on the deficiency document sent by GMAC and ask whether the company would consider a settlement. If they ultimately agree to a settlement, make sure to get every detail in writing. If a lawsuit has been filed, you can still reach a settlement. Start the negotiation process by sending a Debt Lawsuit Settlement Letter.

Watch this video to learn more about negotiating a debt settlement:



Request a debt validation from GMAC

If settlement negotiations do not work out and you are forced to proceed with going to court to defend yourself against a lawsuit filed by GMAC or a debt collector hired by GMAC, make sure to formally request that GMAC provide all documents concerning the purported debt.

You can formally request a debt validation by sending a Debt Validation Letter. After receiving a request to validate a debt, GMAC debt collectors must prove the following with proper documentation:

  • The amount of the debt.
  • The name of the creditor.
  • The collector will assume the debt is valid unless the consumer sends them a Debt Validation Letter within 30 days.
  • If you send the collector a Debt Validation Letter they will need to mail you validation of the debt.
  • If you send them a Debt Validation Letter they will need to mail you the name and address of the original creditor.

Check out this video to learn more about how to draft and send a Debt Validation Letter:



Know your rights when debt collectors contact you

Debt collectors, including those hired by GMAC Financing, are known for attempting aggressive tactics against people who are unaware of their legal rights under the Fair Debt Collection Practices Act. The FDCPA states guidelines and rules that dictate how debt collectors can act. Some of the restrictions on companies such as GMAC Financing include:

  • Debt collectors can never contact you when you are working.
  • Debt collectors cannot use rude or vulgar language when talking to you on the phone or in emails or texts.
  • Debt collectors are not allowed to threaten lawsuits.
  • Debt collectors cannot contact you before eight in the morning or after nine at night.

If you are a victim of any of these actions, you can report it to the FTC, CFPB, or your state's attorney general.

Defend yourself if GMAC Financing sues you for debt

If GMAC Financing Strategies decides to file a debt collection lawsuit against you, it is recommended you be bold and aggressive in your response and to ensure your response is timely filed. Why? Because members of the GMAC Financing generally expect consumers to ignore the lawsuit and throw it in the garbage. This is understandable, but it only means that the debt collector wins without a fight. Don't make this mistake because there are options on the table to beat debt collectors like a drum, if you know what to do.

Some helpful tips to try when you craft an Answer to the lawsuit are:

  • Never concede that you owe the debt! Remember that GMAC Financing must prove under the law that you owe the debt. Don't give them any help. Make them do all the work.
  • File your Answer with the local Clerk of Court on a timely basis. Most debt collection cases require a response within 20 or 30 days of getting the complaint.
  • Make your Answer copy to GMAC Financing and make sure it's stamped by the Clerk of Court.

Some Effective Affirmative Defenses To Try In Your Answer

When you respond to GMAC Financing's lawsuit, you have the chance to torpedo their legal arguments if you have the knowledge of debt collection tactics and laws. Also, remember that the company must prove that you are the person who owes the debt and owe the alleged amount. This means GMAC Financing must prove the following:

  • GMAC Financing has the right under the law to sue you.
  • You are the person who owes the debt.
  • You owe the money listed by GMAC Financing in the complaint filed in court.

Depending on the facts of your case, you might argue that GMAC Financing did not file the suit within the required statute of limitations. The statute of limitations states that a lawsuit must be filed within a given timeframe.

If the case facts show that GMAC Financing sued you for debts where the statute of limitations lapsed, you may file a motion to have the suit dismissed with prejudice.

Also, think about filing a countersuit against GMAC Financing, if you have evidence that proves GMAC Financing violated the FDCPA when they contacted you to repay a debt. If you possess proof that GMAC Financing violated this law, you may receive compensatory damages. They may have to pay your attorney fees, too.

Overview of Actions To Take If You Are Sued By GMAC Financing

Here's a quick recap of actions to take if GMAC Financing sues you:

  • Write down any telephone call details if they call you before 8 am or after 9 pm. Also, write down if they contact you at work and/or use abusive and threatening language.
  • Be certain to file your Answer within the required timeframe, or you will lose the case by default.
  • In the Answer, think about raising at least one affirmative defense, such as the statute of limitations. Also insist that GMAC Financing provide proof of the amount you owe and that you are the one who owes the debt.

Good luck!

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

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


We have answers.
Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.


Ask a Question


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

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

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? Were 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 Defendants 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 Spouses 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

Youre Drowning in Debt — Heres How to Swim

Help! Im 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? Heres 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

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court