Americredit Financial Lawsuits

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Americredit Financial is a finance company that works with dealers to issue car loans to consumers. It also sues people in Pennsylvania after it repossesses and sells consumer vehicles. You may be able to win Americredit Financial lawsuits, or you may be able to settle them before a judgment is entered against you.

BCJ Law charges flat fees to defend consumers sued by Americredit Financial. If we don’t get you a favorable result, you won’t owe us attorneys’ fee for our debt defense service. To see if our debt defense attorney can help you, complete our contact form or call 1-800-997-5561.

Why Is Americredit Financial Suing Me?

You may be able to win Americredit Financial lawsuits, or ... settle them before a judgment is entered against you."

Americredit Financial is suing you because it thinks you owe on a debt. More specifically, Americredit likely repossessed a vehicle, sold the vehicle, and after the sale, there was a deficiency left on the loan used to purchase the vehicle. Americredit sues to collect deficiency balances.

Consumers often are surprised to get sued after their cars are repossessed. Most think that they don’t owe anything after repossession. In Pennsylvania, however, auto finance companies can sell your car after repossession. If the sale proceeds aren’t enough to cover what’s left on your loan, Pennsylvania law allows finance companies and debt collectors to sue you for the “deficiency” balance that’s left after the sale.

Can I Win If I Get Sued By Americredit Financial?

You may be able to win an Americredit Financial lawsuit if it doesn’t have the evidence to prove its case. In Pennsylvania, auto finance companies need the following evidence to get a judgment in court:

  • Contracts: these documents are necessary to prove the interest fees, and terms agreed to by the parties.
  • Account Statements: these documents are necessary to prove the purchases, interest, fees, charges, debits, credits, and other amounts that make up the debt at issue.
  • Legal Notices: auto finance companies must send specific notices in order to seek deficiency balances.
  • Licenses: auto finance companies, debt collectors, and repossessors must be licensed to repossess, sell, and seek deficiency balances on cars.
  • Witnesses: witnesses are required to authenticate the contracts, account statements, legal notices, and other required documents, and testify how these documents apply to the account and debt at issue.

If Americredit Financial doesn’t bring the documents or witnesses it needs, you should win and they should lose.

What Are My Chances Of Winning An Americredit Financial Lawsuit?

To gauge your chance of success in a particular case, we evaluate numerous factors, including but not limited to:

  • The amount at issue.
  • The type of account at issue.
  • The attorneys representing Americredit Financial.
  • The court in which your case is pending.
  • The county in which your case is pending.

To see your chance of success, call us today at 1-800-997-5561. You also can complete our contact form to get a free case evaluation.

What Kind Of Americredit Financial Lawsuits Do You Defend?

We defend many types of Americredit Financial lawsuits, including magistrate court collection lawsuitscourt of common pleas collection lawsuitsrepossession lawsuits, and other types of debt collection lawsuits.

Most of our debt defense work is focused in Western Pennsylvania, including the following counties: Allegheny (Pittsburgh), Armstrong (Kittanning) Beaver (Beaver), Butler (Butler), Cambria (Ebensberg), Erie (Erie), Fayette (Uniontown) Westmoreland (Greensburg), and Washington (Washington). We also accept work outside Western Pennsylvania if we are able.

How Can You Help If I'm Getting Sued By Americredit Financial?

We can help if you’re getting sued by Americredit either by defending your case to win outright or with settlement in mind. Deficiency balance lawsuits filed by finance companies often are more difficult to win than other types of debt collection lawsuits. That said, there are circumstances in which we can win creditor lawsuits outright.

Most times, you won’t have to attend any court hearings and we will do most of the work. In fact, most of our clients don’t have to leave their home for us to represent them. To learn more about our services, visit our debt defense page.

You Have Rights, Even If Americredit Financial Is Suing You.

Even if Americredit is suing you, you still have legal rights. For instance, if Americredit Financial repossessed your vehicle unlawfully, it can’t seek a deficiency judgment against you. Americredit also can’t sue you for a time-barred debt. Additionally, Americredit can’t harass you over the phone, and it can’t false or deceptive statements in letters it may send you.

To learn more about dealing with creditors and the debt collectors or debt collection attorneys they hire, visit our dealing with debt collectors page. To learn about your debt collection rights and see how we can help if your rights were violated, visit our debt collection harassment page.

Hire BCJ Law To Win!

If you’re getting sued by Americredit Financial, please contact us. BCJ Law charges flat fees for our debt defense service. Most importantly, we don’t get paid unless we get you a favorable result. Please fill out our contact form or call us at 1-800-997-5561 to see if our debt defense attorney can help you.

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