Can someone find out about Global Acceptance Credit Company

I worked for this company for a couple of years.
I have no reason to defend them, but I have to tell you, they are an upstanding company, as far as debt collections go. I have worked for some pretty crappy places that have done some pretty crappy things to customers, but these guys aren't bad. Yes, they do have a legal department, and yes, they do agressively sue on accounts that they are able to. If you have paid them, you brought your loan back into statute and depending on the amount you owe, they can opt to sue and get the max through the courts.
They will work with you, but they will expect you to follow through on your agreement or they won't mess with you.
I hope that helps some. :?

Thanks for the reply. Are they a CA, OR..some kind of firm?..OR..what?? I'm just not getting answers, when I have questions for them. Just about every time, I've spoken to them on the phone, I get hung up on. How rude!! I may not beable to send what they want a month, but, if I send them SOMETHING, will they accept it? Thanks for your advice.

They have to accept any payment from you it doesn't matter. They will say anything to get you to pay that bill! My boyfriend has been dealing with them because an account he was an authorized user on has been sold to them and they trying to say since California is a community property state he has to pay it.

Do not know what they are calling about. They called here to get in touch with my son. They told me that he had 48 hrs. to return their call or they were going to pursue futher action on whatever acct they were calling about. I did not ask. Will someone clue us in on these people? I am going to send them a validation/verification letter tomorrow. Will overnight it. Don't have the acct no. but will word the letter to cover account(s) that they have under my son's name. :?

The man that called me last night name was Reubben James and his supervisor name was Bill Price, they called me and coned me out of my visa # and want me to send them a photo copy of my ID and my credit card number. In the background of our phone call there was loud talking and people talking about black people and making in and out phone calls. I called back to get further notice about the loan that they say I owe and the girl that picked up the phone was very unprofessional very hessitant about telling me anything. they also told me that they were going to take further action and that the only payment that I could make was with a credit card and couldn't make no payment less then what the were asking for. after that they want me to set up a payment plan for them to charge my card $50 every month. everytime I try to call them they never answer, I hear a recording saying they aren't able to transfer my call to try and call back later. my lawyer is taking action and will be contacting them if they ever pick up the phone.

My former spouse of 20 years was called by them and informed that I owed money. They also asked for my daughter, who is not on the debt. They just purchased this debt a week ago and have not called me directly ONCE. All incoming calls to my residence are recorded and there is not one attempt to call me. I filed Chapter 13 and they were so informed. They do this to embarass people and humiliate them. When I called Global, I got a screaming idiot who told me that I should not blow money and was very abusive. This was a former JC Penney card, which I had for 23 years, before becoming ill. So, they ARE idiots. I three wayed the call to my lawyer who heard the whole thing, so there is no denying the abusive nature of their calls.

For anyone who is having family members contacted by GLOBAL ACCEPTANCE CREDIT CORP without a valid attempt to contact you first, you should file a complaint with your state regulatory authority who regulates collection agencies. Also, they are subject to penalties for violation of the Fair Debt Collection Practice Act.

If everyone sued them when they violated the law, the world would be a better place.

I just spoke with a gentleman who was also abusive over the phone. I informed him that I was a credit counselor and knew my rights. He then proceeded to scream at me about not making an attempt to pay the debt and hung up. I didn't agree with the terms of the payment arrangement that was proposed to me in late December and made no further attempt to pay Global, because I was told if payment was not received by midnight it would be sold to another company. The real terms of the arrangement were not told to me until the information/invoice was already sent to me. Global wanted me to send them a total of 9 checks worth $100 a piece. The rep told me that they would only send one check per month thru the bank. YEAH RIGHT! Before I worked in this field I was suckered like that and ended up owing $600 to the bank and still owing the original debt. NO thank you GACC! I will make another attempt at the end of the month (when you are attempting to fulfill your quota) and tell you MY terms of repayment.

GACC is a collection agency, point blank! They would do what they have to do to make quoted and get paid commission. You should talk to the people you originally got the debt with and try to work out a payment plan with them instead of this collection agency.

These people have an account they're claiming belongs to me - it's from a college I didn't receive an undergraduate degree from ( never heard of the school until the deamand letter came to my home for payment) and they are insisting the a/c is mine. They (Global Acceptance) have my name and address and my social security # - this is what is so frightening. I borrowed money from the GSL in order to complete my undergrad education and I still owe GSL , but - I have no clue where this other a/c is coming from - claiming I owe them almost $5,000. And to boot they have my personal information - this is FRAUD! Just recently got a copy of my credit report & this a/c is being charged to me as a deliquient account. I don't know what to do. Violated & don't know where to turn for help.

I just got a call from Mark at GACC, he was trying to get me to pay on a bill that is 4 years old, I put him on the sopt professionally, and also informed him that he violated several rules of the FDCPA, and the TCPA, he was not very happy with me when I told him that....Haha I didn't tell him That I'm an account manager of a collection agency.. so I know the games and the rules...haha

they are bottom feeders that buy debt that is out of statue for 1% or less of the debt. What ever get out of you is all profit.... Say you owe $18,000 on a repoed car, the buy the debt for $180.00 or less, they will try to settle for 1,800... do the math...make sure that your debt statue of limitations has past, if so there is nothing these bastards can do, just tell them that i dont know what you are talking about, and say i know about the Statue of limitations, and them tell them to seize and decece. they have to sto, or sue the balls off of them

Im sorry Ithink they are the rudest people on earth! they also call like 10 times a day.

What were the volations may I ask?
I could not believe how rude they are.
I am unemployed and have been for some time.
I take car eof mydisable child.
Who this day when they were really being nasty, he just been diagnosed with a long term illness.
Unable to Pay is not the same as refusal to pay.
:(

Just to let you all know, they are aggressive, however there are laws that they are breaking by threatening you with focible payments. Unless they are the government, which they are not, they can't garnish or take your pay. I owed a debt and my husband is military and they said they were gonna take his pay and call his work. That is illegal because my momm works for the department of justice collecting debt and only the government can make those threats and follow through. they are just using those scare tactics because they get a commission off of whatever payment they scare you into paying. just ignore them, at some point they give up, i think, lol.

So GACC sent me a letter saying that they can settle my account if I paid the 20% of it I don't know if I should believe them it sounds very good to be true. I haven't received any of their phone calls at all either. What do you guys think? Should I believe them and just pay the account off?

They were calling my boyfriends stepmothers parents house looking for him even though they had his address. kinda weird if you ask me. The letter also stated that they would take care of 80% of his debt from student loans. IDK, will definitely have to do some research on this one before he can give them any money. I just don't trust anyone anymore.

If they have sent you a letter which is undersigned by someone from GACC, then you should go with the settlement offer. In order to verify the offer, you should give them a call and check out the terms and conditions of the offer. You can then start paying them the dues.

Yes, they told me they were not a collection agency. I owe on a Fingerhut account a little over 200 dollars. I told them we only had one income. I told them I could send around 15 dollars a month. They refused this payment and wanted 80 told them I cant send 80 they call all the time then I received this letter. What rights do I have? If I send them the small payment if they accept it or can they sue me? All I know since the economy has went down these collection agencies are getting nasty with people.. Frustrated...

If your in California and your debt is more than 4 yrs old and have not acknowledge it or made a promises o to pay in that time (basically it's dormant) in the past 4 yrs. Your home free. there is a statue if limitation in each state. California is 4 yrs. tell them this alleged debt is no longer collectible by law. so F off!. And by all means if time has passed, that is 4 + years, don't, I repeat, don't not admit to the debt. always use the word "alleged debt" when referring to it. and never, never acknowledge it's yours. if you do, the statue resets to 0 and your screwed! If you want to check out what they're talking about, tell them to send info on this "alleged debt". always use the words "alleged debt". Remember the statue of limitation on debt is there for a reason and it's a law to protect you not them. look up your state's statue of limitation on Google.

Please see my post on statue of limitation on debt. Also write to them. It has to be written and mail them the following:

To whom it may concern, I hear by request by law, that you no longer call me, my family neighbors a friends or empoyer by phone or any other means.. Any correspondence in regards to this alleged debt must be done in writing and sent to.... "your mane and address here" for review of alleged debt. If I or any of the above mentioned people are contacted by any means, your are here by put on notice that your are in violation of the law and legal action will taken against you.

You need to beat them at their own game.

I would just like to say I have read all these post online about how to get out your debt and how horrible the company is for calling you but you created this debt for them to have to call you so if you want to be mad be mad @ yourself for letting it get this far. So instead of finding ways to get out of it step up and pay your DEBT

I agree with the last post, GACC is accredited by the Better Business Bureau. The worst thing you can do is play hide and seek with Debt Collectors. Obviously, it's being reported on to your Credit report. When you do pay off your debt, they will send you a letter stating the balance paid off. And will update your credit report. They are a legit company. They do purchase the debt, and collect to their benefit to a percentage. Debt collection agencies, return money to the government, allowing us to have better interest rates and lowered taxes. If everyone just paid their debt and only borrowed what they could actually afford. We'd live in a better economy. HOWEVER, if they don't get it from you. They'll just send it to some other company(or sue you), and that company too will report on your credit report. So your credit report is like a domino effect. YOU'RE GOING TO HAVE TO PAY SOMEONE. NO MATTER WHAT!:p

HMMM!! Interesting!! When I started dealing with GACC, they had a phone number out of Texas, somewhere. I was making my payments to them, by Money Gram, and all of a sudden their were saying they were NOT receiving my payments...when I was religiously sending them to the agency. Anyway..I just stopped paying them. Now...almost 5 years later. They contacted me,...this time with a phone number out of Pittsburgh, PA. They state they never had an office in Texas, etc. God...smells 'fishy' to me.

I really don't think they are legit. Just 'my thoughts' after dealing with them.

------------------------------------------------------------------------------

------------------------------------------------------------------------------

------------------------------------------------------------------------------

------------------------------------------------------------------------------