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 remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

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

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

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

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?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the debt, especially if it’s new, and you’re certain that it’s legit.

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

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

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

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Cadillac Accounts Receivable Management may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Cadillac Accounts Receivable Management must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Cadillac Accounts Receivable Management cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Cadillac Accounts Receivable Management From Your Credit Report Today!

Credit Saint can assist you in disputing Cadillac Accounts Receivable Management collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (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.