Updated by Attorney Derek DePetrillo on 09/03/2024
Commercial Acceptance Company Phone Harassment?
Is Commercial Acceptance Company (CAC) calling you? Stop Commercial Acceptance Company phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop.
It is important for consumers to understand their rights before responding to debt collectors.
You have the legal right to stop CAC phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees. However, it is not advisable to ignore calls or letters from Commercial Acceptance Company, as ignoring them can lead to further legal action.
Is Commercial Acceptance Company a Scam?
According to the Better Business Bureau website, Commercial Acceptance Company has been in business since 1988. The company is not accredited by the BBB, but it does hold a B rating. There have been 73 complaints closed out in the last 3 years and 40 complaints closed out in the last 12 months. Additionally, a significant number of complaints have been filed against Commercial Acceptance Company in the ’s consumer complaint database, which may indicate consumer dissatisfaction.
Commercial Acceptance Company Better Business Bureau
Who is Commercial Acceptance Company?
Commercial Acceptance Company has operated as a third-party debt collector in Camp Hill, Pennsylvania for many years.
Address: 2300 Gettysburg Road Suite 102
Camp Hill, PA 17011
Phone: (717) 901-4557
Additional Contact Information
Fax Numbers
- (717) 901-5565
Understanding Debt Collection
Debt collection is a process where a debt collector or a debt collection agency attempts to recover unpaid debts from consumers. Commercial Acceptance Company, a debt collection agency operating in Camp Hill, Pennsylvania, is one such company that engages in debt recovery efforts. Understanding the fair debt collection practices and the role of a debt collector is essential for consumers to navigate the debt collection process effectively.
As a debt collection agency, Commercial Acceptance Company is subject to the regulations outlined by the Fair Debt Collection Practices Act (FDCPA). The FDCPA provides guidelines for debt collectors to follow, ensuring that they do not engage in unfair or harassing behavior when attempting to collect debts. Consumers have the right to request a debt validation letter, which requires the debt collector to provide proof of the debt.
Many debt collectors, including Commercial Acceptance Company, may use various tactics to try to collect debts. However, it is essential for consumers to be aware of their rights and to respond to debt collection efforts in a timely manner. Ignoring requests from a debt collector can lead to further action, including lawsuits.
When dealing with Commercial Acceptance Company or any other debt collection agency, it is crucial to keep a record of all communications, including letters, phone calls, and agreements. Consumers should also be aware of the credit bureau’s role in debt collection and how a collection agency can impact their credit report.
Commercial Acceptance Company Collection Tactics
Debt collectors typically use a professional, results oriented approach to recover debts, focusing on effective strategies that maximize recovery while maintaining compliance with the law.
The FDCPA strictly prohibits certain behaviors and tactics that are considered abusive, deceptive, or unfair. Debt collectors who engage in these prohibited practices may face legal consequences. Some of the most common prohibited tactics include:
- Harassment
: Debt collectors are not allowed to harass, oppress, or abuse any person in connection with the collection of a debt. This includes repeated phone calls intended to annoy, abuse, or harass the debtor, as well as using obscene or profane language.
- Making False or Misleading Representations
: Debt collectors are prohibited from making any false or misleading statements to collect a debt. This includes falsely representing the amount of the debt, claiming to be an attorney or government representative, or threatening actions that are not legally permitted or intended.
- Threatening Legal Action or Arrest
: Debt collectors cannot threaten legal action, such as filing a lawsuit, unless they actually intend to take that action and have the legal authority to do so. Additionally, they cannot threaten the debtor with arrest or imprisonment, as non-payment of debt is generally not a criminal offense.
- Calling at Inconvenient Times or Places
: Debt collectors cannot contact the debtor at unusual or inconvenient times, such as before 8:00 a.m. or after 9:00 p.m., unless the debtor agrees to such contact. They also cannot contact the debtor at their workplace if they know or should know that the employer prohibits such communication.
- Disclosing Debt to Third Parties: Debt collectors cannot discuss the debtor’s debt with anyone other than the debtor, their spouse, or their attorney. They are also prohibited from sending correspondence that clearly reveals the nature of the debt on the outside of an envelope or in any publicly visible way.
- Misrepresentation of Documents
: Debt collectors cannot send documents that falsely appear to be from a court or government agency, nor can they use deceptive forms or communications that mislead the debtor about the debt’s status.
- Adding Unauthorized Fees or Interest
: Debt collectors cannot add fees, interest, or other charges to the debt unless the original contract or state law expressly permits them to do so.
- Ignoring Cease Communication Requests
: If a debtor sends a written request to the debt collector to cease further communication, the collector must comply, with the exception of communicating regarding legal actions that may be taken.
Despite these restrictions, debt collectors may continue their collection efforts by lawful means until the debt is resolved, paid, or legal action is taken. Debt collectors use various means to collect debts, including negotiation, settlement offers, and pursuing legal cases when necessary.
There have been cases against debt collectors for violating these rules, highlighting the importance of providing quality services and delivering on promises to maintain compliance and uphold a positive reputation in the industry.
Commercial Acceptance Company Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
800-690-3857, 717-901-5565, 717-901-4557,
If the answer is yes, then you are receiving calls from a known CAC number. If you are getting these calls, it is likely about a debt account that Commercial Acceptance Company is attempting to collect. You may be a victim of CAC phone harassment. The list above is not all the numbers that CAC uses. The calls can be from a different number, and it still be Commercial Acceptance Company calling you. Contact our office right away so we can start the process to stop CAC from calling you illegally. After you contact us or send a cease communication request, it is important to wait for a response before taking further action. Take a moment to reach out for help if you are experiencing harassment. Above all, no one should live with harassment!
Common Questions
Is CAC a scam? No, Commercial Acceptance Company has been in business for 26 years. Most people are surprised to find a collection account on their credit report and may not know how to resolve the issue. Debt collectors like CAC often purchase debts for less than the original amount owed, meaning the amount paid by the agency is less than what is being collected. For more information about your rights and options, visit the relevant page on our website.
Can Commercial Acceptance Company garnish my wages? Yes, CAC can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. The original creditor is the entity that initially owned the debt before it was sold to Commercial Acceptance Company.
Can CAC sue me? Yes, CAC can sue you so long as the debt is within the statute of limitations. To avoid escalation, talk to a professional about your situation before making any payments or agreements.
Can CAC report my debt to the collection’s bureaus? Yes, CAC can report your debt to the credit bureau, which plays a key role in reporting and disputing collection accounts.
Can CAC arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
How can I resolve a debt with CAC? Before you pay, make sure the debt is validated and get any settlement agreement in writing. Only pay after you have a written agreement in place. Making an offer to settle the debt can be a strategic way to resolve the situation. Avoid making payments or agreements without first talking to a professional about your situation. Our legal team can help determine if you have a valid case against a debt collector after reviewing your situation.
About Us
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Commercial Acceptance Company harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from Transworld, Inc. call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
“Because of a lie from a third-party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
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