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                                                                    Exhibit 10.1

                              CONSULTING AGREEMENT

         AGREEMENT made this 20th day of September, 2001 (the "EFFECTIVE DATE"),
between ABCI HOLDINGS, INC.., a Delaware corporation (the "COMPANY") and Samuel
Nelson, 7510 Citrus Avenue, Fontana, California (the "CONSULTANT").

                               W I T N E S S E T H

         WHEREAS, the Company desires to be assured of the association and
services of the Consultant in order to avail itself of the Consultant's
experience, skills and abilities, and background and knowledge and is willing to
engage the Consultant upon the terms and conditions set forth herein, and

         WHEREAS, the Consultant agrees to be engaged and retained by the
Company upon said terms and conditions.

         NOW, THEREFORE, in consideration of the recitals, promises and
conditions in the Agreement, the Consultant and the Company agree as follows:

                                    RECITALS

          1.      CONSULTING SERVICES.

                  The Company hereby retains the Consultant, and the Consultant
accepts such retention, to become a consultant to the Company and to render such
advice, consultation and information to the Board of Directors or the officers
of the Company and in particular:

                  Consultant shall upon the request of the Company, perform
services in connection with Internet web page design, graphics and similar
items, logos and corporate presentations and assist the Company with all
Internet based operations as requested.

         2.       TERM.

          The term of this Agreement shall be for a period of one (1) year
commencing on the date hereof (the "TERM").

         3.       COMPENSATION AND EXPENSES. As compensation for any and all
services which Consultant may render, the Company agrees to pay Consultant two
100,000 shares of common stock which will be promptly registered in an S-8
filing with the Securities and Exchange Commission.

         4.       BONUS. The Company will pay Consultant a bonus in stock or
options based on performance at the discretion of the Board of Directors of the
Company.

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         5.       REPRESENTATIONS AND WARRANTIES/ACKNOWLEDGMENTS.

                  The parties hereto represent and warrant to each other party
that each has taken all corporate actions necessary to consummate this Agreement
and that when executed this Agreement including the issuance of the Common Stock
of the Company, will be a valid and binding obligation of the parties hereto.

         6.       INDEPENDENT CONTRACTOR. This Agreement shall not constitute an
employer-employee relationship. It is the intention of the parties that the
Consultant shall be at all times an independent contractor of the Company. The
Consultant shall not have any authority to act as the agent of the Company and
shall not have the authority to, and shall not, bind the Company to any
agreements or obligations with a third party except as otherwise authorized by
the Company. Subject to the express provisions herein, the manner and means
utilized by the Consultant in the performance of its services hereunder shall be
under the sole control of the Consultant.

         7.       NON-DISCLOSURE OF CONFIDENTIAL INFORMATION. The Consultant
acknowledges that it is the policy of the Company to maintain as secret and
confidential all valuable information heretofore or hereafter acquired,
developed or used by the Company in relation to its business, operations,
employees and customers which may give the Company a competitive advantage in
its industry (all such information is hereinafter referred to as "Confidential
Information"). The parties recognize that, by reason of its duties, the
Consultant may acquire Confidential Information. The Consultant recognizes that
all such Confidential Information is the property of the Company. In
consideration of the Company entering into this Agreement, the Consultant agrees
that:

         (a)      it shall not, directly or indirectly, publicly disseminate or
otherwise disclose any Confidential Information obtained during its engagement
by the Company without the prior written consent of the Company, unless and
until such information is otherwise known to the public generally or is not
otherwise secret and confidential, it being understood that the obligation
created by this subparagraph shall survive the termination of this Agreement;
and

         (a)      during the term of its engagement by the Company, the
Consultant shall exercise precautions to protect the integrity of any of the
Company's documents embodying Confidential Information (which shall be marked
"Confidential" by the Company prior to delivery to the Consultant and, if not so
marked, shall not be deemed to embody Confidential Information), and upon
termination of its engagement, it shall return all such documents (and copies
thereof) in its possession or control.

         8.       INDEMNIFICATION AND LIABILITY. In the absence of gross
negligence or willful misconduct on the part of Consultant or Consultant's
breach of any representation, warranty or covenant or any other provision of
this Agreement ("Breach"), Consultant shall not be liable to the Company or to
any officer, director, employee, stockholder or creditor of the Company, for any
act or omission in the course of or in connection with the provision of advice
or assistance hereunder. Except in those cases where the gross negligence,
misconduct or Breach of or by Consultant is alleged and proven, the Company
agrees to and shall indemnify Consultant from and against any and all damages
which may result from services provided by Consultant pursuant to or in any
connection with this Agreement. The foregoing notwithstanding, any acts,
statements and representations made by the Consultant without the prior written
approval of the Company to investors (including prospective investors) are the
sole responsibility of the

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Consultant and the Consultant agrees to indemnify and hold the Company harmless
from any liability, claims, losses and expenses, including legal costs and
expenses incurred by the Company that result of such statements or
representations made by the Consultant made without the approval of the Company.
The Consultant represents that all materials provided to the Company regarding
the services to be performed as contemplated herein are, or will be, truthful
and accurate.

         9.       TAXES. All taxes, duties and other governmental fees or
charges arising from the Consultant's receipt of remuneration shall be borne by
the Consultant.

         10.      NOTICES. Any notice, request, demand or other communication
required or permitted hereunder shall be deemed to be properly given when
personally served in writing or when deposited in the United States mail,
postage prepaid, addressed to the other party at the address provided by each
party. Either party may change its address by written notice made in accordance
with this section.

         11.      AUTHORITY. The parties hereto represent that each has the
authority to enter into this Agreement.

         12.      BENEFIT OF AGREEMENT. This Agreement shall inure to the
benefit of and be binding upon the parties hereto and their respective legal
representatives, administrators, executors, successors, subsidiaries and
affiliates.

         13.      GOVERNING LAW. This Agreement is made and shall be governed
and construed in accordance with the laws of the State of New York.

         14.      ASSIGNMENT. Any attempt by either party to assign any rights,
duties or obligations that arise under this Agreement without the prior written
consent of the other party shall be void and shall constitute a breach of the
terms of this Agreement provided however that Consultant may assign its rights
and duties under this Agreement to a corporation controlled by Consultant.

         15.      ENTIRE AGREEMENT; MODIFICATION. This Agreement constitutes the
entire agreement between the Company and the Consultant. No promises,
guarantees, inducements or agreements, oral or written, express or implied, have
been made regarding the provision of investment banking consulting services,
other than as contained in this Agreement. This Agreement can be modified only
in writing signed by both parties hereto.

         16.      SEVERABILITY. In the event of the invalidity or
unenforceability of any one or more of the provisions of this Agreement, such
illegality or unenforceability shall not affect the validity or enforceability
of the other provisions hereof, and such other provisions shall be deemed to
remain in full force and effect.

         17.      CHOICE OF LAW; VENUE. Any suit, action or proceeding arising
out of or relating to this Agreement may be commenced and maintained in any
court of competent jurisdiction in New York City or Nassau County, New York, and
each party waives all objections to such jurisdiction and venue.

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         18.      EXECUTION IN COUNTERPARTS. This Agreement may be executed in
one or more counterparts, each of which shall be deemed to be an original, but
all of which together shall constitute one and the same instrument.

         IN WITNESS WHEREOF, the parties have executed this Agreement effective
as of the date first written above.

                                        ABCI HOLDINGS, INC.

                                        By: /s/ Thomas N. Carter
                                            --------------------------
                                            Thomas N. Carter, Director

                                            /s/Samuel Nelson
                                            --------------------------
                                            Samuel Nelson

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                                                                  Exhibit 10.7.2

         AMENDMENT NO. 2 TO AMENDED AND RESTATED EMPLOYMENT AGREEMENT

     THIS AMENDMENT NO. 2, dated as of August 7, 2001, is made and entered into
by and between AmeriCredit Corp. ("Employer"), AmeriCredit Financial Services,
Inc. ("Subsidiary"), and Edward H. Esstman ("Executive").

     WHEREAS, Employer, Subsidiary and Executive have previously entered into
that certain Amended and Restated Employment Agreement dated as of October 15,
1996, as amended by that certain Amendment No. 1 to Amended and Restated
Employment Agreement dated as of May 1, 1997 (together, the "Employment
Agreement").

     WHEREAS, since the execution of the Employment Agreement, due to the
continued growth and financial success of Employer and Subsidiary, and to
provide for an orderly transition of executive management, Employer, Subsidiary
and Executive desire to amend certain provisions of the Employment Agreement.

     NOW, THEREFORE, in consideration of Executive's continued employment by
Employer and Subsidiary and the mutual promises and covenants contained herein,
the receipt and sufficiency of which are hereby acknowledged, Employer,
Subsidiary and Executive intend by this Amendment No. 2 to modify and amend the
Employment Agreement as herein provided.

     1.  Amendment to Section 1.1 - "General Duties of Employer and Employee."
         -------------------------------------------------------------------
Effective August 7, 2001, (i) Executive shall become a Vice Chairman of Employer
and of Subsidiary (until such time as such position may be changed as provided
in Section 1.1), and  (ii) Executive shall resign his other positions with
Employer and Subsidiary; provided, however, that Executive shall continue as a
member of the Board of Directors of Employer (but not as a member of the Board
of Directors of Subsidiary).  Executive shall continue to be employed by
Employer and Subsidiary, and Executive shall remain in the employ of Employer,
pursuant to the terms of this Agreement, as amended.

     2.  Amendment to Section 2.1 - "Compensation and Benefits."  Effective
         -----------------------------------------------------
August 8 , 2001, Executive's current salary shall be $225,000 per annum while
employed hereunder.

     3.  Amendment to Section 2.5 - "Compensation and Benefits."  For the fiscal
         -----------------------------------------------------
year ending June 30, 2002, Executive shall be eligible for a maximum bonus
opportunity of 125% of his base salary under Employer's Executive Bonus Program.
For subsequent fiscal years (i.e., fiscal years commencing on and after July 1,
2002), Executive's range of bonus opportunities will be determined by the Stock
Option/Compensation Committee of the Board of Directors in its sole discretion.

     4.  Amendment to Section 8.1 - "Change of Control."  Effective as of the
         ---------------------------------------------
date hereof, the first two (2) sentences of Section 8.1 shall be amended so as
to read as follows:

     Notwithstanding anything to the contrary otherwise provided herein, if a
     "change of control" (as defined below) of Employer occurs and within twelve
     (12) months from the date of such "change of control", Executive
     voluntarily terminates the employment relationship under this Agreement by
     giving sixty (60) days' written notice to Employer under Section 6.1 hereof
     or within such twelve (12) month period Employer gives written notice to
     Executive to terminate Executive's employment relationship without "due
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     cause" pursuant to Section 6.4, or in the event that the Executive shall
     die or become disabled within such twelve (12) month, then, even though no
     longer employed by Employer, Executive (or, if applicable, Executive's
     legal representative or estate) shall be entitled to earned and vested
     bonuses at the date of termination plus a payment equal to the amount of
     Executive's salary (undiscounted), as "salary" is defined below, prorated
     for the remainder of the fiscal year in which the "change of control"
     occurs, plus the present value (employing a discount rate of 8%) of two
             ----
     additional years' salary, payable at the option of the Executive (or his
     legal representative or estate) in either a lump sum within 30 days after
     the date of termination or annually over a three-year period.  For purposes
     of this Section 8.1, the term "salary" shall mean the sum of (i) the
     highest annual rate of compensation provided to Executive in any of the
     seven (7) fiscal years preceding the year in which there shall occur a
     "change of control," plus (ii) the highest annual cash bonus or other cash
                          ----
     incentive compensation paid to Executive in any of the seven (7) fiscal
     years preceding the year in which there shall occur a "change of control."

     5.  Amendment to Section 11.1 - "Miscellaneous - Notices."  The address for
         ----------------------------------------------------
notices and other communications, for Employer, Subsidiary and Executive, is 801
Cherry Street, Suite 3900, Fort Worth, Texas 76102.

     6.  Effect of Amendments; Enforceability of Employment Agreement.  This
         ------------------------------------------------------------
Amendment No. 2 replaces all previous agreements and discussions relating to the
same or similar subject matters between Executive and Employer with respect to
the subject matter of this Amendment No. 2.  Except as otherwise expressly and
specifically amended or modified by this Amendment No. 2, the terms and
provisions of the Employment Agreement shall continue in full force and effect
on and after the date hereof.
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     IN WITNESS WHEREOF, the undersigned, intending to be legally bound, have
executed this Agreement as of the date first written above.

                              AMERICREDIT CORP.

                              By:___________________________
                                 Michael R. Barrington, Vice Chairman,
                                 Chief Executive Officer and President

                              AMERICREDIT FINANCIAL SERVICES, INC.

                              By:___________________________
                                 Daniel E. Berce, Vice Chairman and Chief
                                 Financial Officer

                              EXECUTIVE:

                              ______________________________
                              Edward H. Esstman

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