Your Credit Acceptance Corp Contract probably says you can’t sue Credit Acceptance Corp in any court except Small Claims Court, thanks to an arbitration clause. The steps are a bit complicated and the process is long, but if you do it right, you can usually sue Credit Acceptance Corp in small claims court and get you what you want.
Even though you are ready to sue Credit Acceptance Corp, you won’t necessarily be able to bring your case before small claims court. Why not? Because small claims courts are reserved for specific types of cases. You need to check on two things:
If your claim doesn’t fall within the limits of your state’s small claims court, you’ll have to arbitrate your claim instead.
Assuming you qualify the next step is to send a demand letter. Before you can sue Credit Acceptance Corp, you have to ask them to voluntarily fix the problem.
This is a very simple and straightforward letter, don’t put any unnecessary pressure on yourself when writing it. All you need to do is list who you are with your contact information and maybe your account information, what your problem is with the company, and how you want them to fix the problem.
Small claims courts usually require that you do this first and that you prove you’ve done it first so think of it as checking off a box.
When you are done all you have to do is mail it through certified mail or some other form of mail that can confirm receipt to their official address.
Credit Acceptance Corporation
CSC-LAWYERS INCORPORATING SERVICE
601 ABBOT ROAD
EAST LANSING, MI 48823
If you would like examples of demand letters or more information about how to write them, you can find an excellent guide here.
If they didn’t solve the problem upon receipt of your demand letter, now is when you move forward to sue Credit Acceptance Corp.
This starts with filling out the official paperwork. Visit your state court website where you will find free copies of all the documents required by your state and County. Fill them out, usually in triplicate.
You can find the details of how many copies you need on that same website. Make sure you bring enough copies as well.
Every state and county is slightly different in terms of how they require you to go about this process. In almost all situations however you will be required to visit a specific Courthouse during certain hours and present the documents in person.
You will need to pay the small claims court filing fee, the amount of which can be listed on the state court website.
The county clerk will review everything, stamp the copies, keep one copy for the court, and give you back the rest. They will also give you a hearing date.
One of the copies given back to you is for Credit Acceptance Corp. You have to officially serve them which is to say you officially notified them they are being sued.
Again, every court has different parameters for how you have to go about this. You can visit your state court website to find the specific information for your county. Some of the rules seem very odd but you have to follow each and everyone otherwise they will throw out your case.
Now you have to refer back to that hearing date you were given by the county clerk. Very important that you show up to the right courthouse at the right time.
This is the time when the judge will make a decision about your case so it’s important to bring any evidence you have against the company to back up why you decided to sue Credit Acceptance Corp. They may or may not send someone to oppose you but either way use the time to present your side of the story.
Ready to sue Credit Acceptance Corp in small claims court?
If this sounds too hard and expensive, try consumer arbitration instead…
Best of the Best. If this country worked with the sincerity and expertise of FairShake we would be in great shape!Allie, real FairShake customer
They got more done in a few weeks than I did in over two years.John, real FairShake customer
I can’t say enough good about this company! They are really a light for us in a very hard time.Mark, real FairShake customer
Thank you FairShake for representing the little people screwed over by corporations.Amanda, real FairShake customer
I was having problems with the company for months. That you could make my problem resolved in a few days is wonderful.Marisol, real FairShake customer
It's not right what Big Business can get away with if we let them. People need to know someone is out there to help!Virgil, real FairShake customer