Cadillac Accounts Receivable Management


Is Cadillac Accounts Receivable Management hurting your credit score?

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Who is Cadillac Accounts Receivable Management?

Cadillac Accounts Receivable Management (CARM) is a debt collection agency located in Cadillac, Michigan. They have recently undergone a name change and are now known as Central Professional Services.

CARM, or now Central Professional Services, might appear on your credit report as a collections account if you have an outstanding debt that has been passed onto them for collection.

Who does Cadillac Accounts Receivable Management collect for?

Cadillac Accounts Receivable Management primarily provides debt collection services to healthcare providers. This means that they represent hospitals, clinics, medical offices, and other healthcare facilities in recovering unpaid bills from patients. When these healthcare institutions have bills that remain unpaid, they pass on these debts to agencies like CARM to carry out the collection process.

Is Cadillac Accounts Receivable Management legit or a scam?

Cadillac Accounts Receivable Management is a legitimate debt collection company. However, they might employ persistent tactics to recover debts, which can include frequent phone calls, texts, or emails.

How can I remove Cadillac Accounts Receivable Management from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Cadillac Accounts Receivable Management, Inc.(CARM) Contact Information


Central Professional Services
801 Sunnyside Dr.
Cadillac, MI 49601

Phone number: (800) 748-0031, (800) 968-2276, (231) 775-3711, or (231) 779-9848

Should I contact or pay Cadillac Accounts Receivable Management?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with a debt collector is to work with a credit repair professional. They help remove millions of negative items every year from companies like Cadillac Accounts Receivable Management, Inc. on behalf of their clients.

Will Cadillac Accounts Receivable Management sue me or garnish my wages?

Cadillac Accounts Receivable Management has the capability to sue debtors for unpaid debts. If they choose to sue and win the case, they could potentially be granted a judgment by the court that permits them to garnish your wages as a way to recover the debt owed.

Wage garnishment is a legal process where a court orders an employer to withhold a certain amount from an employee’s wages and use it to pay off a debt. However, not all debts are subject to wage garnishment and the rules vary by state and type of debt.

It’s worth noting that legal action is usually a last resort for debt collection agencies, as it can be expensive and time-consuming. Instead, many prefer to work out a payment plan or settlement directly with the debtor.

Cadillac Accounts Receivable Management, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Cadillac Accounts Receivable Management, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for a debt collector to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • Cadillac Accounts Receivable Management cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Cadillac Accounts Receivable Management must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Cadillac Accounts Receivable Management cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Cadillac Accounts Receivable Management From Your Credit Report Today!

Credit Saint can help you dispute Cadillac Accounts Receivable Management collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.