If you are so deep in debt that your credit cards, medical bills and other monthly obligations have gone into arrears, sooner or later debt collectors will start to call and demand payment. Don’t let them bully you into unsupportable payment arrangements: you have the right to tell them to back off.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 after complaints about unscrupulous collection agencies reached unmanageable levels. This consumer protection law makes it illegal for debt collectors to use strategies like the following to collect a debt.
- Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m
- Calling you at work after they’ve been advised that such calls are not allowed
- Publicly posting details of a debt on social media and other public outlets
- Discussing the debt with your family (with the possible exception of your spouse), friends, and co-workers
- Swearing, raising their voice, and making threats
- Telling you that you have broken the law and can go to jail
Company Profile: Commercial Acceptance Company
If you are being called by Commercial Acceptance Company, information about the company is below.
Commercial Acceptance Company is a debt collection company located in Camp Hill, Pennsylvania. It opened for business in 1993, has approximately 17 employees and is managed by its President, Carl Succa.
Lawsuit records viewable at the PACER (Public Access to Court Electronic Records) website reveals that consumers who felt they were being harassed by Commercial Acceptance Company did not hesitate to stand up for themselves and, instead of paying, demand that the company compensate them.
Alleged Violations against Commercial Acceptance Company
According to PACER, on or about June 23, 2014, Commercial Acceptance Company sent a collection letter to a Pennsylvania resident. She later claimed that her account number was visible through the glassine envelope window, making her personal information publicly viewable.
Feeling harassed by Commercial Acceptance Company, she hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:
- Making her account number visible to third parties
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire an Attorney
The phone numbers for this debt collection agency are:
If you see them on your caller ID when the phone rings, it means that you are being called by Commercial Acceptance Company. If they send you letters that fail to keep your personal information confidential, hire a consumer attorney who can help you file a claim against Commercial Acceptance Company.
If you win your case, you could be awarded $1,000 per FDCPA violation plus court costs and reasonable attorney fees. Don’t presume that because you owe money, you have no rights. The law states the opposite.
*Case taken from PACER (www.pacer.gov). File number is Case 2:15-cv-00690-WB from the United States District Court for the Eastern District of Pennsylvania.
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Commercial Acceptance Company, or any other third-party collection agency, you may not be entitled to any compensation.