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. 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.
Is Commercial Acceptance Company a Scam?
According to the Better Business Bureau website, Commercial Acceptance Company has been in business since 1988. There have been 73 complaints closed out in the last 3 years and 40 complaints closed out in the last 12 months.
Commercial Acceptance Company Better Business Bureau
Who is Commercial Acceptance Company?
Commercial Acceptance Company is third-party debt collector located in Camp hill, Pennsylvania.
Address: 2300 Gettysburg Road Suite 102
Camp Hill, PA 17011
Phone: (717) 901-4557
Additional Contact Information
Fax Numbers
- (717) 901-5565
Phone Numbers
Commercial Acceptance Company Collection Tactics
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 are not allowed to 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.
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. 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. 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.
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.
Can CAC sue me? Yes, CAC can sue you so long as the debt is within the statute of limitations
Can CAC report my debt to the collection’s bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report
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.
The following is a sample list of complaints filed against Commercial Acceptance Company in the past year and can be found on Pacer.org.
8:15-cv-01029-GW-JEM Ashley v. Commercial Acceptance Company
1:16-cv-00228-GMS Wright v. Commercial Acceptance Company
1:15-cv-03735-JKB Campbell v. Commercial Acceptance Company
1:08-cv-01631-JBS-JS Westberry v. Commercial Acceptance Company
2:11-cv-06521-SDW-MCA Caprio v. Commercial Acceptance Company
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”.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff was very courteous and helpful and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“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!!”
Check out the links below for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
