Commercial Credit Adjusters

What is Commercial Credit Adjusters?

Commercial Credit Adjusters is a debt collection agency that helps businesses recover unpaid debts. They offer collection services tailored to fit the needs of businesses and also provide resources to help consumers manage their debts.

They operate across Canada, with offices in major cities including Toronto, Vancouver, and Montreal. The company has been around for several years, focusing on helping businesses collect debts while also offering flexible repayment plans for consumers.

Many consumers report that Commercial Credit Adjusters can be persistent with phone calls. They work with a variety of creditors, including those in telecommunications, banking, and healthcare sectors.

Why is Commercial Credit Adjusters calling me?

If you’ve received a call from Commercial Credit Adjusters, they’re probably trying to recover an unpaid debt on behalf of a creditor. 

If you’re unsure why they’re calling, ask for written verification of the debt before sharing any personal information or making a payment.

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?

Yes, Commercial Credit Adjusters is a legitimate debt collection agency. Their branches and employees are licensed with provincial governing ministries. However, scammers sometimes impersonate collection agencies, so always verify any debt in writing before paying.

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.
• Debt collectors can only contact you during specified hours, usually between 7 AM and 9 PM (but exact times depend on your province)
• 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.
• Ask for written proof before answering questions, providing personal information, or paying 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 for written verification of the debt.
2. Don't acknowledge that you owe the debt or supply sensitive information until you've verified it.
3. If you want the phone calls to stop, you can request in writing that the collection agency stop calling, but this won't prevent further legal action.
4. If you don't think you owe money, dispute the debt and ask for written proof.
5. Consider speaking with a Licensed Insolvency Trustee for free advice.