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
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.
The debt might be real. It might be old, already paid, or belong to someone else entirely. Consumer complaints show CCA sometimes contacts the wrong person or pursues debts past the limitation period.
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 |
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
Reported by consumers
Know another company Commercial Credit Adjusters collects for?
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.
Is Commercial Credit Adjusters a licensed collection agency in Ontario?
(C.C.A.) Commercial Credit Adjusters Ltd., operating as Commercial Credit Adjusters, is registered in Ontario as a collection agency under the Collection and Debt Settlement Services Act. The table below shows confirmed licence records as of February 2026.
| Legal Name | Location | Licence number | Status | Expiry |
|---|---|---|---|---|
| (C.C.A.) Commercial Credit Adjusters Ltd. | London, ON | 4687794 | Issued | Dec 31, 2026 |
Source: Government of Ontario – Search for a business licence (February 2026)
Is Commercial Credit Adjusters a licensed collection agency in Alberta?
(c.c.a.) Commercial Credit Adjusters Ltd., operating as Commercial Credit Adjusters, is registered in Alberta as a collection agency under the Collection and Debt Repayment Practices Regulation. The table below shows the confirmed licence record as of February 2026.
| Business Name | Trading As | Location | Bonded | Expiry |
|---|---|---|---|---|
| (c.c.a.) Commercial Credit Adjusters Ltd. | Commercial Credit Adjusters | Edmonton, AB | Yes | Jan 31, 2027 |
Source: Service Alberta – Find out if a Business is Licenced (February 2026)
Is Commercial Credit Adjusters a licensed collection agency in Quebec?
(c.c.a.) Commercial Credit Adjusters Ltd., operating as Commercial Credit Adjusters, is registered in Québec as a collection agency and operates under the Consumer Protection Act, with oversight from the Office de la protection du consommateur (OPC). The table below shows the confirmed licence record as of February 2026.
| Legal Name | Location | Permit number |
|---|---|---|
| (c.c.a.) Commercial Credit Adjusters Ltd. | Montréal, QC | 400368 |
Source: Office de la protection du consommateur (February 2026)
What to do if Commercial Credit Adjusters calls you (step-by-step)
Step 1: Ask for written verification. Get the original creditor's name, the amount claimed, the date of last activity, and the account number. Don't confirm anything until you have this in writing.
Step 2: Don't confirm the debt is yours until you've reviewed the details. If Commercial Credit Adjusters asks for personal information before sending written proof, say no.
Step 3: Protect your personal information. Don't share your address, date of birth, or banking details until you're sure the contact is real and the debt is yours.
Step 4: Dispute the debt in writing if it is incorrect. Ask for proof. Keep copies of everything.
Step 5: Send a written request to stop calls if you want phone contact to end. This won't erase the debt or prevent legal action, but it stops the calls, depending on your province.
Step 6: Talk to a Licensed Insolvency Trustee if the debt is real and you can't manage it. The first consultation is free.
Source: Government of Canada (FCAC) – Dealing with a debt collector
What if the debt is old?
Every province has a time limit on how long a creditor can sue you. In Ontario, BC, Alberta, Saskatchewan, New Brunswick, and Nova Scotia, it's 2 years. In Quebec, it's 3 years. In Manitoba, Newfoundland and Labrador, PEI, and the territories, it's 6 years.
Once the limitation period expires, Commercial Credit Adjusters can still contact you, but cannot take you to court. Consumer complaints indicate CCA pursues debts well past the limitation period in some provinces. Making a payment or acknowledging the debt in writing restarts the clock.
For a full provincial breakdown, see our guide to debt statute of limitations.
Template: request Commercial Credit Adjusters stop calling you (in writing)
If you want phone calls to stop, send Commercial Credit Adjusters a written request. It won't erase the debt or prevent legal action, but it stops repeated calls, depending on your province.
Copy and paste this template:
Note: Check your province's rules for any requirements to stop contact.
Source: Government of Canada (FCAC) - Dealing with a debt collector
Commercial Credit Adjusters locations
Locations that Commercial Credit Adjusters operate in:
Commercial Credit Adjusters phone numbers
These numbers are commonly associated with Commercial Credit Adjusters:
| Phone number | Type |
|---|---|
| Main | |
| General |
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.
Got a call from a number not shown here?
Accreditations
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)
How to file a complaint about Commercial Credit Adjusters
If Commercial Credit Adjusters don't follow the 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.