Global Credit & Collection Corp. is a collection agency with a U.S. office in Chicago. The BBB lists it as a location of Affinity Global, a collection company headquartered in Markham, Ontario.
- Type
- Collection agency
- Also known as
- Global Credit & Collection Corporation; Global Credit and Collection Corp; Global Credit & Collections
- Headquarters
- Chicago, IL
30 debt collection complaints were sent to the Consumer Financial Protection Bureau about Global Credit & Collection Corporation from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Global Credit & Collection Corp.?
Global Credit & Collection Corp. is a collection agency whose BBB business profile lists an office at 5440 N. Cumberland Avenue, Suite 300, Chicago, IL 60656, a business start date of January 1, 1999, and a corporate entity type. The BBB groups it with Affinity Global, a collection company at 1490 Denison Street in Markham, Ontario, and lists three U.S. locations under the Global Credit name: Chicago; a P.O. box in Charlotte, North Carolina; and 300 International Drive in Williamsville, New York. The BBB page does not explain the corporate relationship, and we did not find a working official website to confirm it. The Texas Secretary of State's debt collector bond records list a 2016 filing for Global Credit and Collection Corporation at the Chicago address, and an earlier 2006 filing for "Texas Global Credit & Collection Corporation" at a Williamsville, New York address. We did not find a CFPB enforcement action against Global Credit & Collection or Affinity Global.
A separately listed "Global Credit Collection" on North Elston Avenue in Chicago appears in BBB records with a different address and phone number. Compare the details on your letter.
Why Global Credit & Collection May Be Contacting You
We did not find a verified statement from the company about which creditors it serves. Read the validation notice for the name of the original creditor and the current owner, and look for an account number you can match to your records.
How to Check a Debt Global Credit & Collection Says You Owe
- Get the validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34) and check every name and number on it.
- Confirm with the original creditor that it placed the account for collection or sold it, and ask what balance it shows.
- Ask for the itemization. The notice must break down interest, fees, payments and credits since the itemization date.
- Dispute in writing within the validation period if anything is wrong, and keep proof of mailing (15 U.S.C. § 1692g(b)); see how to dispute a debt.
- Know the limitation period. Texas generally gives four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states use different periods.
What Global Credit & Collection Can and Can't Do
When it collects consumer debts owed to others from people in the United States, the company is a "debt collector" under 15 U.S.C. § 1692a(6).
- It may not call third parties such as neighbors or co-workers except to get your contact information, and generally only once (15 U.S.C. § 1692b); see contact with family and employers.
- Prerecorded and automated calls count toward the limit of seven calls in seven days per debt (12 C.F.R. § 1006.14(b)(2)).
- It must give you an opt-out in every text or email (12 C.F.R. § 1006.6(e)); see texts and emails.
- It must honor a written request to stop contacting you (15 U.S.C. § 1692c(c)).
See our Texas FDCPA attorneys page if a collector crossed the line.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Global Credit & Collection Corp. or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- BBB business profile: Global Credit & Collection Corp. (Chicago, IL)
- BBB business profile: Affinity Global (Markham, ON)
- Texas Secretary of State debt collector bond search (Global Credit and Collection Corporation)
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Global Credit & Collection Corporation, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Global Credit & Collection Corp. has violated any law. Company details change; tell us if something here is out of date.