At a glance Commercial Credit Adjusters Ltd. (CCA) is a Canadian debt collection agency founded in 1991, headquartered in Winnipeg with offices in Edmonton, London (Ontario), Montréal and Calgary.
If Commercial Credit Adjusters contacts you, ask for written proof of the debt before you share any personal details or make any payments.
Debt collection rules differ by province. Every province has rules against harassment, false statements, and contact outside permitted hours.
What is Commercial Credit Adjusters?
Commercial Credit Adjusters Ltd. is a debt collection agency and accounts receivable management company with more than 200 staff across five Canadian offices.
Commercial Credit Adjusters offers third-party debt collection, skip tracing, pre-collect programs, litigation services and bailiff services.
Contact Commercial Credit Adjusters
1-866-958-5850
Contact this debt collection agency to verify details, dispute the debt or resolve your account.
Visit agency websiteWhy is Commercial Credit Adjusters calling me?
A call, letter, or voicemail from Commercial Credit Adjusters means a creditor has placed your account with CCA for collection.
This could be an old debt you've forgotten, already paid or may belong to someone else entirely. Scammers can also impersonate collection agencies.
Don't confirm anything over the phone. Ask for written verification first. If the caller refuses to identify the original creditor, hang up and verify with Commercial Credit Adjusters directly.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Who does Commercial Credit Adjusters collect for?
Commercial Credit Adjusters collects for businesses across a wide range of industries, including financial institutions, telecommunications companies, municipalities, agriculture, health care, insurance, retail, and utilities.
CCA also works with government bodies and higher education institutions.
Industry | Consumer-reported examples |
|---|---|
Telecommunications | Fido, Bell, MTS |
Financial services | Scotiabank, Desjardins |
Utilities | Hydro-Quebec |
Note: the companies listed above are gathered from user-submitted entries, consumer reports, online discussions, and public records. They do not represent confirmed contractual relationships with Commercial Credit Adjusters.
Companies that use Commercial Credit Adjusters for debt collection
Submitted by consumers. We try to verify these reports but cannot always confirm them.
Know another company Commercial Credit Adjusters collects for?
Commercial Credit Adjusters phone numbers
These numbers are commonly associated with Commercial Credit Adjusters:
| Phone number | Type |
|---|---|
| Main | |
| Local Office | |
| User Reported | |
| User Reported | |
| User Reported |
Some numbers are submitted by users. We call to verify each one and recheck periodically, but numbers can change.
Got a call from a number not shown here?
If you receive a call from a different number claiming to be Commercial Credit Adjusters, verify the debt in writing and confirm the details before paying.
Is Commercial Credit Adjusters a legitimate collection agency?
Yes. Commercial Credit Adjusters Ltd. is a legitimate debt collection agency incorporated on December 31, 1991. CCA has been in business for over 30 years, publicly lists its head office address and phone numbers, and holds an A+ rating with the BBB (accredited since December 2019).
Commercial Credit Adjusters is a member of ACA International and the Edmonton Chamber of Commerce.
Source: Better Business Bureau – (C.C.A.) Commercial Credit Adjusters Ltd.
Is Commercial Credit Adjusters a licensed collection agency?
Commercial Credit Adjusters claims to be licensed and bonded in every province and territory in Canada. The table below shows confirmed licence records for Ontario and Quebec found through public registries.
Will Commercial Credit Adjusters affect my credit score?
A collection account from Commercial Credit Adjusters will severely damage your credit score once it's reported to Equifax or TransUnion.
It stays on your credit report for 6 years from the date of your first missed payment. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Check your own report to see whether Commercial Credit Adjusters has reported the account and whether the information is correct.
What to do if Commercial Credit Adjusters calls you (step by step)
Step 1: Ask for written verification. Get the original creditor's name, amount, account number and the date of last activity. Don't confirm anything until you've reviewed it in writing.
Step 2: Don't share personal details. No address, date of birth or banking information until you've confirmed the debt is yours.
Step 3: Check your credit report to see what Commercial Credit Adjusters has reported about you. Get your free credit score and report with Borrowell.
Step 4: Dispute the debt in writing if it's wrong. Keep copies of everything you send.
Step 5: Check the statute of limitations in your province before you pay or acknowledge the debt in writing.
Step 6: Settle if the debt is correct. Sometimes, Commercial Credit Adjusters might accept a one-time lump sum for less than the full balance. Get any agreement in writing before you pay.
Step 7: Pay by a traceable method like online banking, e-Transfer, or card. Get a receipt.
Step 8: Get help if you can't pay. Talk to a Licensed Insolvency Trustee or non-profit credit counsellor.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Not in Ontario, Alberta, BC, Nunavut or the NWT? Find a trustee in your province
What if the debt is old?
Every province has a time limit on how long a collection agency like Commercial Credit Adjusters can sue you for an unpaid debt.
| Province / Territory | Limitation period |
|---|---|
| Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia | 2 years |
| Quebec | 3 years |
| Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon | 6 years |
Once the limitation period expires, Commercial Credit Adjusters can still sue you, but you can raise the expired limitation period as a complete defence. The defence isn't automatic. You have to file a defence in court and plead the expired limitation period. If you don't, the court will grant default judgment as if the limitation didn't apply.
Making a payment or acknowledging the debt in writing restarts the limitation period, but only if it hasn't already expired.
These limitation periods apply to most consumer debts like credit cards, lines of credit, and personal loans. Different rules may apply to government debts, court judgments, or secured debts like mortgages.
For more information, read our guide about debt statute of limitations.
How to stop calls from Commercial Credit Adjusters
Send Commercial Credit Adjusters a cease and desist letter. Once they receive it, they have to stop phoning. The debt doesn't go away, and they can still take legal action.
Use our cease and desist letter templates
Provincial law doesn't give you this right in Manitoba, Saskatchewan, Newfoundland and Labrador, Prince Edward Island or the Yukon.
However, if the debt's on a loan, line of credit, or credit card, send the letter by registered mail under federal law. If Commercial Credit Adjusters is physically based in Ontario, use Ontario's law instead.
Read more: How to stop collection calls in Canada.
How to file a complaint about Commercial Credit Adjusters
If you think that Commercial Credit Adjusters is breaking any debt collection rules, contact the consumer protection authority in your province.
Before filing, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
Accreditations
Commercial Credit Adjusters locations
Locations that Commercial Credit Adjusters operate in:
Provinces served
- Alberta
- British Columbia
- Manitoba
- New Brunswick
- Newfoundland and Labrador
- Northwest Territories
- Nova Scotia
- Nunavut
- Ontario
- Prince Edward Island
- Quebec
- Saskatchewan
- Yukon
Legal Name
Commercial Credit Adjusters Ltd.
Also known as
CCA
(C.C.A.) Commercial Credit Adjusters Ltd.
Agence de Recouvrement Commercial Crédit (CCA)
FAQs
Request written verification of the original creditor's name and the amount owed. Don't pay until you've confirmed the debt is yours.
Consumer complaints show Commercial Credit Adjusters sometimes contact the wrong person. Check your credit report and compare it against the details CCA provides.
Not without a court judgment. To garnish your wages or freeze your bank account, a creditor needs to sue you and win.
Commercial Credit Adjusters offers litigation services and can pursue court action on behalf of its clients. But a phone call from CCA does not mean they have a judgment against you.
Commercial Credit Adjusters can contact third parties to find your current address or phone number. CCA cannot discuss your debt with anyone else. If you tell them to stop calling your workplace, they must stop.
Source: Government of Canada (FCAC) – Debt collection: know your rights
No. Collection agencies in Ontario cannot contact you before 7:00 AM or after 9:00 PM Monday to Saturday. On Sundays, they can call between 1:00 PM and 5:00 PM.
They can't contact you on public holidays. Calling hours vary by province.
Source: Government of Ontario – A guide for collection agencies
Collection accounts stay on your credit report for 6 years from the date of last activity in most provinces, even after you pay.
Source: Government of Canada (FCAC) – How long information stays on your credit report
Yes. You can negotiate a settlement at any point. Get the terms in writing before you pay. Make sure the agreement confirms the remaining balance is forgiven and specifies how the account will be reported to credit bureaus. Keep copies of everything.
Other collection agencies in Canada
Joe launched CollectionAgencies.ca in 2025. He has worked in Canadian personal finance since 2023. He maintains the directory, researches collection agencies across Canada and manages the site's editorial content. Agency listings are sourced from provincial licensing records and legislation.