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How to Settle Debt With Global Credit Collection Corp

Chloe Meltzer | August 05, 2024

Chloe-Meltzer
Legal Expert
Chloe Meltzer, MA

Chloe Meltzer is an experienced content writer specializing in legal content creation. She holds a degree in English Literature from Arizona State University, complemented by a Master’s in Marketing from California Polytechnic State University-San Luis Obispo.

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.

Summary: To settle debt with Global Credit Collection Corp, respond to any pending legal action with a written Answer and then make a realistic offer to settle. After negotiating and coming to an agreement, be sure to get the settlement terms and conditions in writing.

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 Global Credit and Collection Corp debt collector, don't ignore it because it will only make matters worse. 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. If enough time passes without payment, they might even take you to court.

If you've been sued for debt owed, the best action to take is to respond to the lawsuit to avoid a default judgment and reach out to Global Credit and Collection Corp to resolve the debt outside of court.

Settle debt with Global Credit Collection Corp

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Who Is Global Credit Collection Corp?

Also known as Affinity Global or Leading Edge Recovery Solutions, Global Credit and Collection Corp is a debt collection agency that 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 resolve debt with Global Credit Collection Corp in a 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.

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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.

Respond to the lawsuit to avoid default judgment

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.

Check the statute of limitations on your debt

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.

Settle your debt with Global Credit Collection Corp

Debt settlement could be the ideal outcome if the debt is valid and you want Global Credit Collection Corp to dismiss the case for good. This means you offer to pay off a portion of the debt as soon as possible to get the case dismissed. Debt settles for a wide range of amounts, but 40% to 60% is pretty standard in the debt collection industry.

So, if you're wanting to resolve the debt lawsuit and start over with your finances, send Global Credit an offer. Here are three tips to use when sending a debt settlement offer:

  1. Be realistic. If your offer is too low, they won't take you seriously. But you should also consider your income and current expenses to determine a realistic settlement offer. Use the following formula to calculate how much you should realistically offer to settle: Amount available to settle = (monthly income – monthly costs) + savings. For example, if you are being sued for $5,000 and you offer $50, Global Credit probably won't even bother responding. If, on the other hand, you offer to settle for $3,000 after determining you can realistically fulfill this offer, then Global Credit Collection Corp will probably work with you.
  2. Expect a counteroffer. Global Credit Collection Corp will most likely respond to your initial debt settlement offer with a counter offer. Be ready to negotiate. The negotiation process can take some time, and in some cases, it may take several rounds of negotiations before you reach an agreement.
  3. Be forthcoming about your situation. Don't like about your finances. If you are honest and forthcoming about your current financial situation, especially if you've experienced unexpected like events that have made it harder to pay your bills, be sure to explain this information to Global Credit Collection Corp. Send them evidence to prove that the offer you are making is their best bet at recouping the debt.

If Global Credit Collection Corp has sued you, be sure to file an Answer into your case before anything else. This will prevent a default judgment and give you space to negotiate the settlement before the court makes any ruling on the case.

To learn more about these tips, and other debt settlement information, watch the following video where we interview a consumer rights attorney for tips and tricks on how to settle debt with collectors like Global Credit:

>>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

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