Who we are
MultiGen Law Institute is a consumer-education and self-help publisher. We help everyday people harmed by predatory subprime auto lenders and debt collectors — with a specific focus on American Credit Acceptance — understand their rights and take action on their own.
We built this site because the people ACA pursues hardest are often the ones least able to afford a $300-an-hour lawyer. Our job is to put plain-English information and do-it-yourself tools in their hands.
What we are — and what we are not
We are not a law firm. We are not attorneys, and we do not provide legal advice or representation. Nothing on this site creates an attorney-client relationship. We publish general educational information and document templates you can use yourself. For advice about your specific situation, consult a licensed attorney in your state. Laws change and apply differently to each person.
How we are funded
We keep the core information free and fund our work through low-cost self-help kits and guides. We are transparent about it: when we point you to one of our paid resources, it is clearly marked as ours.
Our standards
- We cite primary sources — statutes, the federal CFPB Consumer Complaint Database, court records, and regulator actions — not rumor.
- We separate fact from opinion. Where an outcome depends on the facts, we say so and use careful language (“may,” “borrowers allege”) rather than stating conclusions as proven.
- We review and update our content as laws and case law change. See our Editorial Policy.
The public record on American Credit Acceptance
Our content draws on the public record, including:
- The $98 million class-action settlement in Sherrard v. American Credit Acceptance LLC, Case No. 19STCV43101 (Los Angeles County Superior Court), over repossession-notice practices.
- Hundreds of complaints in the CFPB Consumer Complaint Database and the Better Business Bureau.
- Federal and state consumer-protection law: the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), UCC Article 9, and the Texas Deceptive Trade Practices Act.
Contact us
Questions, corrections, or your own story? Call 888-728-6069 or use the contact form on this website. We read everything.
Not legal advice. Not affiliated with, endorsed by, or sponsored by American Credit Acceptance.