Commercial Credit Adjusters

What is Commercial Credit Adjusters?

Commercial Credit Adjusters is a debt collection agency that works with businesses to recover money they are owed.

They have offices in cities across Canada, like Toronto, Vancouver, and Montreal.

Commercial Credit Adjusters can be persistent with their phone calls. They collect debts for all kinds of companies, like phone providers, banks, and hospitals.

Why is Commercial Credit Adjusters calling me?

If Commercial Credit Adjusters has called you, it's likely because they're trying to collect a debt for another company.

If you don't know why they're calling, ask them to send you something in writing that explains the debt before you give out any personal details or pay anything.

Commercial Credit Adjusters collects for:

• Rogers Communications (telecommunications)
• Bell Canada (telecommunications)
• Telus (telecommunications)
• Banks and financial institutions
• Government agencies
• Healthcare providers and hospitals
• Utilities (hydro, gas, water)
• Education and student loans
• Commercial businesses
• Credit card companies
• Retail stores

Is Commercial Credit Adjusters a legitimate collection agency?

Commercial Credit Adjusters is a legitimate debt collection agency that must follow the rules in every province where it operates.

There are scammers out there who pretend to be collection agencies, so make sure you get proof of any debt in writing before you pay.

Your rights when a debt collection agency like Commercial Credit Adjusters contacts you

Debt collectors and collection agencies must follow a code of conduct outlining what they can and cannot do:

• Every time a debt collector contacts you, they must identify themselves.
• They can only call you during certain hours, usually between 7 AM and 9 PM, but the exact times depend on where you live.
• They cannot make false or misleading representations to collect a debt.
• Debt collectors may not harass, threaten or intimidate you.
• Debt collectors may not use threatening, profane, intimidating or coercive language.
• Debt collectors may not apply undue, excessive or unreasonable pressure.
• Always ask for written proof of the debt before you answer questions, share personal information, or pay anything.
• A debt collector can't contact you at work once you've told them not to.

What to do if a debt collection agency like Commercial Credit Adjusters contacts you

1. Ask them to send you written proof of the debt.
2. Don't say you owe the debt or give out any sensitive information until you've seen proof.
3. If you want the calls to stop, you can write to the collection agency and ask them not to call you anymore. Just know that this doesn't stop them from taking legal steps if they choose.
4. If you don't believe you owe the money, tell them you want to dispute the debt and ask for written proof.
5. You might want to talk to a Licensed Insolvency Trustee. They can give you free advice about your options.