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?
Commercial Credit Adjusters phone numbers
These numbers are commonly associated with Commercial Credit Adjusters:
| Phone number | Type |
|---|---|
| Main | |
| General | |
| General | |
| General | |
| General |
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.
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 March 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 (March 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 March 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 (March 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 March 2026.
| Legal Name | Location | Permit number |
|---|---|---|
| (c.c.a.) Commercial Credit Adjusters Ltd. | Montréal, QC | 400368 |
Source: Office de la protection du consommateur (March 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've reviewed everything 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 own records. Pull your credit report from Equifax or TransUnion and compare it to what Commercial Credit Adjusters sent you.
Step 4: Dispute the debt in writing if it's wrong. Keep copies of everything you send.
Step 5: Negotiate if the debt is correct. You can offer a lump sum for less than the full amount or arrange a payment plan. Get any agreement in writing before you pay.
Step 6: Pay by a traceable method. Collection agencies like Commercial Credit Adjusters typically accept online banking, Interac e-Transfer, credit or debit card through their website, or in person at a bank branch. Always get a receipt.
Step 7: Talk to a Licensed Insolvency Trustee or non-profit credit counselling service if you owe the debt and can't pay.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Only consider a loan or a line of credit if you can comfortably afford the repayments. If you're unsure what to do, speak to a non-profit credit counsellor or a Licensed Insolvency Trustee first.
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 defence. If you do, the court will dismiss the case.
Making a payment or acknowledging the debt in writing restarts the limitation period, but only if it hasn't already expired. If you're unsure whether a debt is still within the limitation period, get legal advice before making any payment.
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 Commercial Credit Adjusters from calling
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:
Hello,
I request that you stop contacting me by phone regarding this account and communicate with me only in writing.
Please send written verification of the debt, including:
- The original creditor name
- The amount claimed
- A breakdown of principal, interest and fees
- The account reference number
- The date of last activity on the account
Do not contact me at my workplace.
Thank you,
[Your full name]
[Your mailing address or email]
[Your phone number (optional)]
[Date]
Note: Check your province's rules for any requirements to stop contact.
Source: Government of Canada (FCAC) - Dealing with a debt collector
How to file a complaint about Commercial Credit Adjusters
If Commercial Credit Adjusters doesn'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.
You can also file a complaint through the Better Business Bureau (BBB).
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 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.