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By Contributing Author: Sergei Lemberg Updated on

Are You Being Called By Credit Acceptance?*

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Are you being called by Credit Acceptance?* Here’s what you need to know

When you’re struggling with a difficult financial situation, demands from debt collectors make the situation worse. Although they may legally contact you to request payment, threatening or verbally abusing you violates your rights, and you can sue them if it happens.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, is a consumer protection law that gives you the right to dispute a debt and demand no further contact from the collection agency. It also penalizes collection agencies that use tactics like the following.

  • Threatening legal actions they cannot take
  • Revealing details about the debt to anyone but you, your spouse, attorney, and co-signers.
  • Telling you that you can be arrested and imprisoned if you do not pay the amount they are demanding
  • Contacting you directly even after you’ve hired an attorney to represent you in the matter
  • Disguising the fact that they are debt collectors trying to collect a debt
  • Using profane and obscene language

Is Credit Acceptance Calling You?

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Company Profile: Credit Acceptance

If you are being called by Credit Acceptance, information about the company is below.

Credit Acceptance is a debt collection office located in Southfield, Michigan. It opened for business in 1972, has 100 to 249 employees, and is managed by its CEO, Brett A. Roberts. It operates two programs: the “Portfolio Program” and the “Purchase Program”, which allows it to advance money to car dealers in exchange for the right to service the underlying consumer loans and buy these loans from the dealers.

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Hire an Attorney

The phone numbers for this collection agency are:

If any of them appear on your caller ID, it means that you are being called by Credit Acceptance. If they harass you by phone and use abusive language during conversations, hire a consumer attorney who can you help file a claim against Credit Acceptance. If you prevail in court, you may potentially win $1,000 per FDCPA violation plus court costs and legal fees. Don’t let a debt collector bully you. The law protects you when they cross the line.

*Case taken from PACER ( File number is Case 2:10-cv-04256-ER from the United States District Court for the Eastern District of Pennsylvania.

Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Credit Acceptance, or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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