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.
Why 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, one you've already paid, or one that belongs to someone else entirely. Also bear in mind that scammers can 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 directly with Commercial Credit Adjusters.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Commercial Credit Adjusters phone numbers
We called each of these numbers to confirm it reaches Commercial Credit Adjusters. Select a number to see call reports and what to do if they contact you.
| 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.
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.
Who does Commercial Credit Adjusters collect for?
Commercial Credit Adjusters collect 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.
Consumer reports link Commercial Credit Adjusters to 15 creditors, most often in banking, telecom and utilities.
| Industry | Consumer-reported creditors |
|---|---|
| Telecommunications | |
| Banking & Financial Services | |
| Utilities | |
| Automotive | Honda Des SourcesCharlevoix Toyota |
| Education & Student Loans | UniverCity |
| Retail |
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.
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, known as the date of first delinquency. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Source: Equifax Canada – How long does information stay on my credit report
What to do if Commercial Credit Adjusters calls you (step by step)
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.
Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia
Quebec
Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon
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
Sometimes, you can stop collection calls from a collection agency by sending a cease and desist letter. Once Commercial Credit Adjusters receive it, they have to stop calling. The debt doesn't go away, and they can still take legal action. You can 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.
Regardless of province, if the debt's on a loan, line of credit, or credit card, send the letter by registered mail under federal law. Federal law is the only law in Canada that also stops an original creditor's in-house collectors, not just a collection agency. You can send it to your original creditor and its collection agent, a collection agency or a law firm.
If Commercial Credit Adjusters is making collection calls to you from its Ontario location, then you can send a cease and desist letter available under Ontario's law.
Restrictions on calls to your workplace
Many provinces and territories place restrictions on collection agencies when they attempt to call you at your workplace.
How to file a complaint about Commercial Credit Adjusters
In Canada, debt collection is regulated province by province, not federally. The rules ban harassment, calling outside set hours, discussing your debt with your family or employer, and threatening legal action they have no intention of taking.
Source: Government of Canada (FCAC) – Debt collection: know your rights
If you think Commercial Credit Adjusters is breaking any debt collection or privacy laws, contact the consumer protection authority in your province.
Before making a written complaint, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
Some consumer protection agencies regulating the conduct of collection agencies will not process your complaint unless you first send a written complaint to the collection agency summarizing the conduct in question and making a request for remedial action.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
Accreditations
Legal Name
Commercial Credit Adjusters Ltd.
CCA
(C.C.A.) Commercial Credit Adjusters Ltd.
Agence de Recouvrement Commercial Crédit (CCA)
