Estate planning at American Credit Acceptance
How to protect 1 American Credit Acceptance accounts — file death claims
American Credit Acceptance Customer Service
General/titles correspondence: American Credit Acceptance, 961 E. Main St., Spartanburg, SC 29302. Payments and payoff checks: American Credit Acceptance, PO Box 204531, Dallas, TX 75320-4531 (include payment voucher and account number).
American Credit Acceptance Customer Service
General/titles correspondence: American Credit Acceptance, 961 E. Main St., Spartanburg, SC 29302. Payments and payoff checks: American Credit Acceptance, PO Box 204531, Dallas, TX 75320-4531 (include payment voucher and account number).
American Credit Acceptance Titles Department (deceased borrower / title removal)
Titles Department, American Credit Acceptance, LLC, 961 E. Main St., Spartanburg, SC 29302
When a borrower at American Credit Acceptance dies, the loan does not simply disappear. The executor contacts American Credit Acceptance to establish authority, learn the payoff amount, and choose how to handle the balance under the servicer's procedures and applicable law.
There are two sides to estate planning at American Credit Acceptance: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to review 1 account types at American Credit Acceptance.
View details →When someone dies
Death claim process
8-step process, 4 required documents, and contact information for survivors.
View details →Frequently asked questions
Call 1-866-544-3430 for the payoff amount. The automated phone system provides a same-day payoff figure; ask to speak to a representative for a 10-day payoff. You can also obtain and print a 10-day payoff quote by logging in to the Customer Portal. Payoff checks are mailed with the payment voucher and account number to American Credit Acceptance, PO Box 204531, Dallas, TX 75320-4531.
American Credit Acceptance does not offer contract refinancing. An heir who wants to keep the vehicle pays off the balance from estate funds or refinances the debt with a different lender in their own name. Because ACA holds the lien on the title, the lien is released and the title cleared only after the loan is satisfied. Payments must be kept current in the meantime, because the vehicle secures the loan and can be repossessed if the account falls behind.
No. American Credit Acceptance, LLC is headquartered in Spartanburg, South Carolina and is a separate company from Credit Acceptance Corporation, a Michigan-based subprime auto lender with a similar name. Confirm which lender holds the loan by checking the retail installment sales contract or a billing statement before sending documents.
Sources
Data sourced from American Credit Acceptance primary sources (2 pages reviewed). How we research.
American Credit Acceptance Customer Service
General/titles correspondence: American Credit Acceptance, 961 E. Main St., Spartanburg, SC 29302. Payments and payoff checks: American Credit Acceptance, PO Box 204531, Dallas, TX 75320-4531 (include payment voucher and account number).
American Credit Acceptance Customer Service
General/titles correspondence: American Credit Acceptance, 961 E. Main St., Spartanburg, SC 29302. Payments and payoff checks: American Credit Acceptance, PO Box 204531, Dallas, TX 75320-4531 (include payment voucher and account number).
American Credit Acceptance Titles Department (deceased borrower / title removal)
Titles Department, American Credit Acceptance, LLC, 961 E. Main St., Spartanburg, SC 29302
Estate planning articles
Learn how to protect your American Credit Acceptance accounts and other assets with trusts, beneficiary designations, and estate planning documents.
