This company is ruthless. They attack you when you are 1 day late after you have contacted them to let them know the situation. My husband had lost his job due to downsizing. We were already living on a tight budget due to my ex-husband who had left me with over 80,000 in bills but that is another story. We needed a car so went to our local kia dealer. After spending all day there we were told only americredit would touch us. Mind you my credit is not perfect but i have a good credit card. They said because of our bankruptcy okay. Was told it would be a high interest rate but i could refi after 1 year not true. After having the car several months my husband was laid off. Now we had one income. I called americredit to see if we could reduce the payment or something. After transferring me several times i was told no. I informed them i would be a day or two late. Well at 7 am the day after the payment was due all hell broke loose. The calls started and not just one. I informed americredit that calling before 9 am was illegal did they care no. They called and i am not kidding 10 times that day and the next at 7 am again. It was bad. Then the next month they had the nerve to call me the day before the damn thing was due at 7 am to tell me i was late. I asked how was i late on the 29th when the payment was due on the 30th the gentleman hung up. I block my call from where ever i am when i have to call them. They are a dog on bone company and i would walk before i ever deal with them after this loan is paid off. For all you nice people out there DO NOT USE AMERICREDIT EVER NO MATTER WHAT THE DEALER TELLS YOU.
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