Most people who have been repossessed, hit with a deficiency balance, or sued by American Credit Acceptance never find out they had legal claims of their own. This free evaluator asks a few plain questions and shows you the specific potential violations your answers point to — under the Uniform Commercial Code, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. It takes about two minutes. Nothing you type is stored or sent anywhere until you decide to ask for a review.
Get your free case review
Add your case to the American Credit Acceptance action. Tell us where to reach you and we will review your answers at no cost and no obligation. Want to stay anonymous for now? Use a throwaway email — we only need a way to send your review.
What each result means
American Credit Acceptance is a subprime auto lender, which means many of its borrowers were already in a tight spot — and the rules that protect you are the ones lenders most often cut corners on. The Uniform Commercial Code requires proper written notice before your car is sold and a sale conducted in a commercially reasonable way; miss either, and the lender can lose the deficiency. The Fair Debt Collection Practices Act limits how and when collectors can contact you. The Fair Credit Reporting Act requires furnishers to correct information you dispute. A single violation can be leverage; several together can change the entire outcome of your case.
Want to run the numbers behind these claims? Use the free deficiency calculator, check whether the debt is even still enforceable with the statute-of-limitations checker, or see all of the free tools in one place.