Commercial Acceptance Company

Who is Commercial Acceptance Company?

Commercial Acceptance Company (CAC) is a debt collection agency based in Camp Hill, Pennsylvania. The agency works with various businesses to collect unpaid debts from consumers.

If you see CAC listed on your credit report as a collection account, this typically means you have an unpaid bill that has been transferred to them for collection.

Who does Commercial Acceptance Company collect for?

Commercial Acceptance Company serves a wide range of industries by providing debt collection services. The industries they work with can span from retail, healthcare, and utilities to credit cards and more.

Is Commercial Acceptance Company legit or a scam?

Commercial Acceptance Company is a legitimate company. They operate within the regulations of the industry and are authorized to collect unpaid debts on behalf of their clients. However, if you are contacted by CAC claiming that you owe a debt, it is essential to verify the claim before making any payments.

How can I remove Commercial Acceptance Company 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.)

Professional credit repair services assist people in getting their credit back on track.

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.

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

Commercial Acceptance Company Contact Information

Address:

Commercial Acceptance Company
2300 Gettysburg Rd, Suite 102
Camp Hill, PA 17011

Phone number: (800) 690-3857

Should I contact or pay Commercial Acceptance Company?

Before contacting a debt collection company, 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 Credit reports can contain errors or list debts that are no longer valid.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. Of course, there are times when it’s best to just pay the collection account, especially if it’s new, and you’re sure that it’s legit.

The most effective way to deal with Commercial Acceptance Company is to work with a credit repair professional. They help remove millions of negative items every year from companies like Commercial Acceptance Company on behalf of their clients.

Will Commercial Acceptance Company sue me or garnish my wages?

Commercial Acceptance Company can sue for unpaid debts. If other attempts at collecting the debt, such as letters or phone calls, have been unsuccessful, CAC might choose to file a lawsuit as a last resort.

If CAC sues and obtains a judgment from the court, they might be granted the ability to garnish your wages or levy your bank accounts, depending on the laws of your state.

Commercial Acceptance Company 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 Commercial Acceptance Company

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 Commercial Acceptance Company 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.
• Commercial Acceptance Company cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• Commercial Acceptance Company 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.
• Commercial Acceptance Company cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Commercial Acceptance Company From Your Credit Report Today!

Credit Saint can help you dispute Commercial Acceptance Company 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.