Commercial Acceptance Company, also known as CAC, acts as a third party debt collector for the medical and retail industries. Commercial Acceptance Company collects debts for hospitals, dentists, ambulance companies, doctors and other medical providers. In addition, CAC collects outstanding debts on credit cards, loans, utility bills, lease agreements and other written contracts. CAC claims to service 600 different clients across the nation. Commercial Acceptance Company works on a contingency basis, which means that if they don’t collect the debt, they don’t get paid.
At the top of the Commercial Acceptance Company website, the company’s motto makes their attitude clear: “Where persistence beats resistance.” Their persistence includes reporting consumers to all three of the credit reporting agencies and skip tracing. In addition to traditional debt collections, CAC collects on bad checks by tapping directly into the Federal Reserve’s Automated Clearing House, and when someone’s insurance company fails to pay a claim, they go after the patient for the balance.
Commercial Acceptance Company Complaints
The Better Business Bureau has accorded CAC a B- rating. As of June 2012, the BBB logged 22 closed Commercial Acceptance Company complaints over the past three years, including nine closed CAC complaints in the previous 12 months.
Stop Commercial Acceptance Company Harassment
If you are receiving harassing phone calls from debt collectors – whether from CAC or any other debt collection agency – you have a right to file a complaint with the Better Business Bureau, or to retain a lawyer and file a lawsuit against them for violating the Fair Debt Collection Practices Act.
Under the FDCPA, once a consumer has disputed a debt in writing within 30 days of receiving written communication from a debt collector, the debt collector is required to cease communications until they are able to provide validation of said debt. It is also stipulated in the FDCPA that if a consumer advises a debt collector that no long wish to be contacted in regards to a debt, the debt collector must cease communications immediately. They may only contact the consumer again to notify them that they are no longer seeking to collect the debt, or that they are pursuing legal action against them. If you file suit against a debt collector for any violation of the FDCPA, they could be directed to pay you up to $1,000 in damages, or your actual damages, in addition to court costs and attorney's fees.
Commercial Acceptance Company Mailing Address
Commercial Acceptance Company (CAC)
2 West Main Street
Shiremanstown, PA 17011
CAC Phone Number: 800-690-3857
How to Stop the Harassment Now
Complete the form to the right for a FREE evaluation, or call Toll-Free . The legal team at Lemberg & Associates is committed to holding debt collectors accountable, and will fight for your rights under the Fair Debt Collection Practices Act.
Note to Readers
The Information on this website is assembled using many public online and offline sources, such as debt collection agency websites, BBB data, regulatory agency reports and websites, and data available through Pacer. It neither is nor is intended to be the full or complete description of any company's business. To the extent any portion of the website is non-factual in nature, it constitutes our opinion only. We ask that you not rely on any information here in deciding whether or not to do business with any company mentioned on this website. Nothing here constitutes or is intended to constitute legal advice. If any reader or user of this website has a question about specific sources for any information used here, click here to submit an inquiry.
If you have been the victim of harassment or illegal or unfair debt collection practices, contact the Fair Debt Attorneys at Lemberg & Associates immediately to discuss your options and protect your rights. When you owe creditors money, you are protected by the Fair Debt Collection Practices Act, as well as other federal and state laws. If a debt collector has violated your rights, you may be entitled to up to $1000 in damages, and they may even have to pay your attorney fees. Sergei Lemberg, and the attorneys at Lemberg & Associates have helped countless people to assert their legal rights with debt collectors. Don't be intimidated by illegal debt collection practices. For more information, contact Lemberg & Associates today at .
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