Debt collection companies, like Global Credit & Collection Corp., cannot harass you over a debt. You have rights under the law. We will stop the harassment once and for all.
THE BEST PART IS…
If Global Credit & Collection violated the law, you will get money damages and Global Credit & Collection will pay our fees and costs. You will not pay us a penny for our time. Plus, some of our clients also receive debt relief and cleaned up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.
Who is Global Credit & Collection?
Global Credit & Collection Corporation, also known as Affinity Global, is a third-party collection agency, with locations around the world, such as in Toronto, Ontario, Canada; Montreal, Quebec, Canada; London, England, United Kingdom; Panama City, Panama; and here in the states in Chicago, Illinois; Buffalo, New York; Denver Colorado; and New York, New York. Global Credit & Collection uses slogans such as “Don’t let uncollected resources or opportunities slip by” and “We’re enhancing debt collection every day.”
According to the Better Business Bureau (“BBB”), Global Credit & Collection is a corporation and is a collection agency. Global Credit & Collection Corp. is not BBB accredited.According to bloomberg.com, Global Credit & Collection Corp.’s key people are: David Elmalem, CEO; Jeff Carew, President; and Scott McIlroy, Chief Business Development Officer. Bloomberg.com also informs that Global Credit & Collection Corp. was founded in 1999. Bloomberg.com also contains a detailed summary of all of Global Credit & Collection Corp.’s services: provides customer and account receivable management services. The company also offers business process outsourcing services that include Email transmissions, telephone operator services (411), social network management, letters and fax, call backs, voicemail message processing, internal escalation and resolution management, exceptions, payment processing and order and messenger, credit verifications, inventory management, enabling, documents filing, database management, online chats, satisfaction surveys, complaints and congratulations handling, franchise and retail store support, and portability of services.
In addition, it provides customer acquisition services that include B2B and consumer appointment setting, welcome call campaigns to increase customer loyalty and reduce churn, consumer cross-selling, order taking and on-line fulfillment, and customer post sale surveys; and services to clients to engage, retain, and support their clients through voice, chat, Email, white mail, and social media channels. Further, the company develops customized CRM or IVR solution to manage company’s interactions with current and future customers. Its solutions include ARxVelocity, a module that processes records to assist with record rejection and reprocessing; ARxPartner, a module that provides a suite of tools for distributing and tracking accounts; and Ubiquity, a systems integration solution for business process management, workflow, forms, and document management.
Further, it offers technical support services that include help desk, remote server monitoring, technician scheduling and dispatch, and installation and project management support. The company serves automotive, communications, retail, financial services, social, media management, and travel and leisure sectors.Affinity Global, Global Credit & Collection Corp.’s parent entity, acquired another collection agency, Leading Edge Recovery Solutions, LLC on October 1, 2014.It appears that Global Credit & Collection collects on debts owed to third parties. Unlike some collection agencies, Global Credit & Collection Corp. does not appear to be a junk-debt buyer. For example, some collection agencies buy debt for pennies on the dollar, and then collect on it. Based on what we know, Global Credit & Collection Corp. does not buy debt—it simply collects on it on behalf of third parties. Global Credit & Collection Corp. collects on various debts. We’ve helped a lot of consumers deal with Global Credit & Collection when Global Credit & Collection Corp. is collecting on third-party debts.
Global Credit & Collection Address, Phone Number, and Contact Information
According to bloomberg.com, Global Credit & Collection is located at 1490 Denison Street, Markham, Ontario, Canada L3R 9T7.
The main telephone numbers for Global Credit & Collection are 800-563-4929 (Toronto); 514-284-5533 (Montreal); 800-663-4707 (Chicago); 800-663-4707; 800-663-4707 (Buffalo); 800-663-4707 (Denver); 866-684-1427 (New York); +011 44 (80) 8101 1699 (London); and +507 321-3619 (Panama City). These are just some of many Global Credit & Collection contact numbers. Global Credit & Collection’s websites include https://www.affglo.com, http://www.globalcollection.net, https://webpay.affglopayments.com, and https://www.tio.com/pay/global-credit-collection-corp Global Credit & Collection’s fax number is 905-413-8627. If you’re having a hard time getting something in writing from Global Credit, let us know and we’ll contact them for you.
Phone Numbers Used By Global Credit & Collection
Global Credit & Collection likely has dozens, if not over 100, phone numbers it calls from. Here are a few phone numbers Global Credit may be calling you from:
- 800-563-4929
- 905-480-1364
- 866-349-8538
- 866-350-2950
- 360-350-5282
- 877-234-1834
- 905-413-8576
Global Credit & Collection Lawsuits
If you want to know just how unhappy consumers are with Global Credit & Collection, take a look at the number of lawsuits filed against Global Credit & Collection on the Public Access to Court Electronic Records (“PACER”). PACER is the federal docket throughout the country that lists federal complaints filed against Global Credit & Collection. When you do a search for Global Credit & Collection, there are over 516 lawsuits filed against Global Credit & Collection. Most of these lawsuits involve consumer rights’ violations.
Global Credit & Collection Harassment
The Fair Debt Collection Practices Act (“FDCPA”) is a federal law that applies to everyone in the United States. In other words, everyone is protected under the FDCPA. The FDCPA is a laundry list of what Global Credit & Collection can and cannot do while collecting a debt, as well as things debt collectors must do while collecting a debt. If Global Credit & Collection is harassing you over a debt, you have rights under the Fair Debt Collection Practices Act.
The Telephone Consumer Protection Act (“TCPA”) protects you from robocalls. Robocalls are those annoying, automated, recorded calls that a computer makes to you all day long. You can tell it’s a robocall because either no one is on the other end of the line or there’s a delay when you pick up the phone before a live person comes on the line. You can get $500 per call if Global Credit & Collection violates the TCPA. Have you received a message from Global Credit & Collection that sounds pre-recorded? Or, maybe the message you received from Global Credit & Collection is cutoff at the beginning or the end? These are tell-tale signs that the message is pre-recorded. If you have these messages on your cell phone, you may have a TCPA case against Global Credit & Collection.
The Electronic Fund Transfer Act (“EFTA”) protects electronic payments that are deducted from bank accounts. If Global Credit & Collection took unauthorized deductions from your bank account, you may have an EFTA claim. Global Credit & Collection, like most collection agencies, wants to set up reoccurring payments from consumers. Imagine how much money Global Credit & Collection gets if hundreds, if not thousands, of consumers electronically pay them $50-$100, or more, per month. If you agreed to this type of reoccurring payment, Global Credit & Collection must follow certain steps to comply with the EFTA. Did Global Credit & Collection continue to take electronic payments after you said stop? Did Global Credit & Collection take more money from your checking account than you agreed to? If so, let’s talk about your rights under the EFTA.
The Fair Credit Reporting Act (“FCRA”) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We handled a lot of cases recently where Global Credit & Collection reported debt on a consumer’s credit report. Global Credit & Collection likely reports on credit reports to obtain greater leverage over the consumer. If Global Credit is on your credit report, they may tell you if you pay the debt, they’ll remove it from your credit report. This is commonly known as Global Credit & Collection pay for delete. You pay Global Credit, and they delete the debt from your credit report. Even if Global Credit is not on your credit report, maybe the original creditor is. If you pay off the debt to Global Credit, then the original creditor, and Global Credit, should accurately report this on your credit report. For example, if Global Credit & Collection is working with, or on behalf of, Summit Receivables, and you pay either party the full amount, or a settlement in full, this payment should be reflected on your credit report.
Several states also have laws that provide its citizens an additional layer of protection. For example, if you live in California, Texas, Florida, North Carolina, Wisconsin, Michigan, Montana, or Pennsylvania you may be able to tack on a state-law claim with your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country. If you live in NC, and you’re harassed over a debt, you may get $500.00 – $4,000.00 in damages per violation. We work with a local counsel in NC. Our NC clients have receive some great results in debt collection harassment cases. If you live in NC, and Global Credit & Collection is harassing you, you have tons of leverage to get a great settlement.
HOW CAN WE USE THE LAW TO HELP YOU?
We will use state and federal laws to immediately stop Global Credit & Collection debt collection. We will send a cease and desist letter to get the harassment to stop the same day. If Global Credit violates the FDCPA, EFTA, FCRA, or any state laws, you may be entitled to money damages. For example, under the FDCPA, you can get up $1,000.00 in damages plus actual damages. The FDCPA has a fee-shift provision. This means, Global Credit pays our attorney’s fees and costs. If you have a TCPA case against Global Credit, we will handle it based on a contingency fee.
THAT’S NOT ALL…
We have helped hundreds of consumers stop Global Credit phone calls. We know how to stop the harassment and get you money damages. ONCE AGAIN, you will not pay us a penny for our time. We will help you based on a fee-shift provision and/or based on a contingency fee. That means, Global Credit pays our attorney’s fees and costs.
What If Global Credit & Collection Is On My Credit Report?
Based on our experience, GLOBAL CREDIT & COLLECTION does credit report. That means, GLOBAL CREDIT & COLLECTION will mark your credit report with the debt they are trying to collect on. In addition to Global Credit & Collection, the original creditor may be on your credit report. For example, if you owe Great Plains on a payday loan, and GLOBAL CREDIT & COLLECTION is collecting on it, both Great Plains and GLOBAL CREDIT & COLLECTION may have separate entries on your credit report. This is important because you will want both parties to update your credit report if you pay off the debt.
THE GOOD NEWS IS…
If GLOBAL CREDIT & COLLECTION is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly. Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information.
REMEMBER…
If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision. This means, the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. We have helped dozens of consumers fix inaccurate information on their credit reports.
Complaints against Global Credit & Collection
If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by Global Credit & Collection. The complaints on the Better Business Bureau (“BBB”), various consumer websites, Google Reviews, and even the complaints on this page (below) are endless. GLOBAL CREDIT & COLLECTION is not accredited by the BBB. There are only 3 customer reviews on the BBB, but they are all negative. Here are some of the BBB customer reviews regarding Global Credit & Collection:
- “I received multiple recorded calls from Global Credit. After several calls, I called the number they gave and from which their calls came only to be ignored. They called again this morning, I called their number back, spoke with Christopher who transferred me to Caroline *****. They were calling for someone who is not at this number and I have had to go through hell to get my number off their list. I won’t know for a few days if I was successful. I’m not counting on it.”
- “I suspect a phishing scheme. Beware.”
- “I have been getting the run around from the Global Credit & Collection Corp for the past three days regarding my account. After THREE days of getting the run around, I finally asked to speak with a manager or supervisor. Someone who can answer some of my questions. Someone who has been put in charge due to their leadership skills and knowledge. However I got the complete opposite when I was transferred to ANDRE ***** of the Global Credit & Collection Corp. I have never in my life over the phone with a so call “respected” business been cut-off verbally multiple times, yelled at, and disrespected. ANDRE ***** would not even let me ask him a single question. He acted as if he did not even care about my situation. He had no interest in even hearing y question because for some odd reason he was under the assumption there was nothing he can do. How about listening to what I have to say ANDRE ***** and not raining your voice over mine while I’m trying to speak. If this was a business that sold a product I would never ever want to do business with them ever again. Also my original issue with Global Credit & Collection Corp has still not been resolved. Now whenever I call back this “manager” ANDRE ***** is “hovering” over all phone operators making sure my matter does not get attended too. Please help.”
Google Reviews do not get any better for Global Credit & Collection. Although there is only 1 review, unsurprisingly, it is negative. On Google, GLOBAL CREDIT & COLLECTION has an average of 1 star. Here’s what people on Google have to say about GLOBAL CREDIT & COLLECTION:
- “Once they had my bank information I was unable to get them to return my calls to adjust my payment dates.”
Apparently, most folks have chosen to vent about Global Credit & Collection Corp. on Consumer Affairs https://www.consumeraffairs.com. There are 75 reviews of Global Credit & Corp. and unsurprisingly they are overwhelmingly negative. On Consumer Affairs, GLOBAL CREDIT & COLLECTION has an average of 1 star. Here’s what people on Consumer Affairs have to say about GLOBAL CREDIT & COLLECTION:
“I got a call today as I was driving from these people. When I answered they hung up so I called back. I got this arrogant “human” saying I supposedly took out a payday loan 5 years ago. I told them, “No I did not,” and this guy proceeded to start getting really mad at me and threaten with court papers and all. He asked for my updated mailing address and I said I did not have to give it to them and he hung up on me! I called back and he answered the phone and yelled into the phone “Why are you calling me back?”. I asked to speak to a supervisor and asked for this guy’s name and the name of the company and he said I did not need to know any of that. Again he hung up on me.”
“I received a letter from this company saying my son owes Citizens Bank $2,323.70. But yet my son has been locked up for 2 years since he was 17 years old. Why would I just be receiving a collection letter 2 years later? And when I checked his bank account at Citizens Bank 2 years ago it was at $0. Not -$2323.70… Why and how would he out of nowhere owe all this money a whole 2 years later?I called and spoke with Robert who told me he could not give me any information and hung up on me. But yet they sent this letter to my house and my son was a minor before he was locked up, so why wouldn’t they give me the information needed so I can pay his debt… Plus… I really need to know if someone is stealing my son’s identification as well! Well I called Citizens Bank and they told me my son doesn’t owe any money. And that his account was at $0 before it was closed out. Well that’s funny ’cause GLOBAL JUST TRIED TO COLLECT $2323.70… Which is a lot of money to try to steal from a 19 year old! BE VERY CAREFUL… You definitely don’t want to give any money to this company. Contact the creditor directly to make sure the debt is accurate… And pay the money directly to the ones you owe to make sure the money is going to the right place.”
“This company keeps calling me at work, on my (and all of my family’s) cell phones, and my home number. I am on the Do Not Call list. My numbers are unlisted and they do NOT have permission to call me at work. I’ve tried contacting them multiple times to cease and desist and they refuse to provide contact details. I’ve filed a complaint with the Illinois BBB and Attorney General because the number they called from, 8778659825, is listed as coming from Chicago. All of my loans (Student Loans, Car) are completely up to date and still with the original issuers (haven’t been sold off for non-payment). I have NEVER taken out any Payday loans. This company claims that I took out these loans in 2012 yet they waited three years to start collecting on loans I never paid on at all? These people are lowlifes and have no right to be calling me whatsoever.”
“My mother received a mail letter from them stating the collection was for $56 owed to JCPenney credit card (Synchrony Bank). The letter had a global account number (their internal number), an original account number (prefixed **), and the amount balance. My mother knows she had paid all her balances in full and stopped using the card few years already. If she had balances unpaid, she would at least receive them in the mail, perhaps a few times, correct? Anyways, the collection agency or group information is as follows: FROM ADDRESS: Global Credit & Collection Corp, 5440 N Cumberland Ave STE 300, Chicago, IL 60656-1490. MAIL CHECK TO ADDRESS: PO Box 129, Linden, MI 48451-0129.”
“This outfit has been calling and sending notices in the mail to us claiming my father ran up over $2400 debt on a Citibank card. My father has never applied for or used such this card. I know, I pay the bills around here. I have already reported them to the AG office here in Florida. The person talking on the phone to me was aggressive and rude, constantly interrupting me, claiming he would call every day. The only thing I can say is it has to be a scam. The notice in the mail is sent on a bulk mailing permit.”
Cases We Have Handled Against Global Credit & Collection
I THINK YOU’LL AGREE WITH ME WHEN I SAY…
Threats and harassment by collection agencies can be pretty intimidating. Well, it turns out we can stop the harassment, attempt to get you money damages under the law, and the collection agency will have to pay us our fees and costs. Here are some of the cases we’ve handled against GLOBAL CREDIT & COLLECTION:
- Kevin C. v. Global Credit & Collection Corp. In this case, GLOBAL CREDIT & COLLECTION attempted to collect a debt from Kevin that Kevin did not owe. GLOBAL CREDIT & COLLECTION called our client on his cell phone. GLOBAL CREDIT & COLLECTION called from 855-807-9166, which is one of GLOBAL CREDIT & COLLECTION’s phone numbers. Our client called GLOBAL CREDIT & COLLECTION and explained to them that he did not owe any debt and to stop calling, but GLOBAL CREDIT & COLLECTION continued to call. We alleged that Global violated both the Fair Debt Collection Practices Act and the Telephone Consumer Protection Act for Global’s actions.
- Christopher H. v. Global Credit & Collection Corp. Chris lives in Florida, and GLOBAL CREDIT & COLLECTION was calling our client on his phone. GLOBAL CREDIT & COLLECTION called from 855-256-1623, which is a number belonging to GLOBAL CREDIT & COLLECTION. Our client alleged that he told GLOBAL CREDIT & COLLECTION to stop calling him. We even sent GLOBAL CREDIT & COLLECTION a cease-and-desist letter by facsimile to 866-915-5199. Despite our client’s efforts, and our cease-and-desist letter, GLOBAL CREDIT & COLLECTION continued to call Chris in an attempted to collect a debt. We sued GLOBAL CREDIT & COLLECTION in federal court and alleged GLOBAL CREDIT & COLLECTION violated the Fair Debt Collection Practices Act and its Florida analogue, the Florida Consumer Collection Practices Act.
- Kim N. v. Global Credit & Collection Corp. Here, GLOBAL CREDIT & COLLECTION was attempting to collect on a debt allegedly owed to Citibank. GLOBAL CREDIT & COLLECTION called Kim’s parents and let a voicemail message for Kim’s parents disclosing that Kim owed a debt to Citibank, the amount of the debt, and other prohibited disclosures to a third party. In this case, our client alleged Global Credit & Collection violated the Fair Debt Collection Practices Act.
Here’s What Our Clients Say About Us
Mike Agruss Law, has over 900 outstanding client reviews through Yotpo, an A+ BBB rating, and over 120 five-star reviews on Google. Here’s what some of our clients have to say about us.
“Agruss has done it again! I am a returning Client to Mike Agruss Law. And once again they have proven why I choose them to assist me With my legal needs. Not only did we get a result that was favorable but my credit has improved because of it. Thanks again to Michael, Jim and the rest of the team!”
“I would recommend Mr Agruss 10 times out of 10, EXCELLENT!!! I was being harassed by debt collectors that was over 10 years old right now to take me to court put me in jail on take money directly from my checking account or savings account. I did a little bit of research online and came up with Mr Mike Agruss Law. He was very helpful and explained everything in detail. If it was not for him I would still be getting the harassing calls. Thank you so much for your help and patience.”
“What a surprise. Mike and his team have been great to work with. Jim handled my case, Jackie help, too. These folks care about their clients. I will certainly refer my family and friends to Mike Agruss Law. What a surprise it was to find such a caring law firm online.”
“Debt collection terminators. This collection agency would not stop calling me even after I told them to stop calling me multiple times. Mike Agruss Law stopped the calls, settled my case, and I did not have to pay a penny for their services. I’m glad I found these folks.”
Can Global Credit & Collection Sue You?
Although anyone can sue anyone for any reason, we have never seen Global Credit & Collection sue consumers. It’s likely GLOBAL CREDIT & COLLECTION does not sue because they are not a junk-debt buyer. Also, GLOBAL CREDIT & COLLECTION would have to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s likely GLOBAL CREDIT & COLLECTION collects debts through the entire country. Therefore, it would be very difficult to have lawyers, or a law firm, licensed in every state. There are collection agencies that do sue consumers. For example, Portfolio Recovery Associates is one of the largest junk-debt buyers. Portfolio Recovery Associates collects on debt and also sues on debt. So, it would be very unusual if GLOBAL CREDIT & COLLECTION sued you. The original creditor, on the other hand, may hire a collection firm, or lawyer, to sue you. If Global Credit & Collection has threatened to sue you, call us. We can help.
Can Global Credit & Collection Garnish Your Wages?
No, not unless they have a judgment. If Global Credit & Collection has not sued you, then GLOBAL CREDIT & COLLECTION cannot get a judgment. If Global Credit & Collection does not have a judgment, then GLOBAL CREDIT & COLLECTION cannot garnish your wages. Minus limited situations (usually dealing with debts owed to the government for student loans, taxes, etc.), in order to garnish someone’s wages, you need a judgment first. In short, we have not seen Global Credit & Collection file a lawsuit against a consumer. So, GLOBAL CREDIT & COLLECTION cannot garnish your wages, minus the exceptions listed above. If Global Credit & Collection has threatened to garnish your wages, contact our office right away.
Global Credit & Collection Settlement
If you want to settle a debt with Global Credit & Collection, ask yourself these questions first:
- Do I really owe this debt?
- Is this debt within the statute of limitations?
- Is this debt on my credit report?
- If I pay this debt, will Global Credit & Collection remove it from my credit report?
- If I pay this debt, will the original creditor remove it from my credit report?
- If I pay this debt, will I get something in writing from Global Credit & Collection confirming the payment and settlement terms?
These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay for delete, or any other legal issue with Global Credit & Collection, the folks at Mike Agruss Law are here to help you.
Share Your Complaints About Global Credit & Collection Below
Post your complaints about GLOBAL CREDIT & COLLECTION. Sharing your complaints about GLOBAL CREDIT & COLLECTION will help other consumers know what to do when GLOBAL CREDIT & COLLECTION starts calling. Sharing your experience may help someone else.
HERE’S THE DEAL!
If you are being harassed by Global Credit & Collection over a debt, you may be entitled to money damages. Get up to $1,000 for harassment, and $500-$1,500 for illegal robocalls. Under various state and federal laws, we will help you based on a fee-shift provision and/or based on a contingency fee. That means, the collector pays your attorney’s fees and costs. You won’t pay us a penny. We have settled thousands of debt collection harassment cases. Let us help you today. Contact Mike Agruss Law at 888-572- 0176 to stop the harassment once and for all.
