Commercial Acceptance Company
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Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.
You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.
The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:
If any of these things occur, your best option is to consult with a consumer protection attorney.
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Commercial Acceptance Company calls me from 8006903857. Commercial Acceptance Company usually calls three or four times in a row if I don’t pick up the first time. I asked Commercial Acceptance Company to mail me the information about the debt they say I owe. Commercial Acceptance Company said they don’t mail information.
Commercial Acceptance Company sent a collection notice in regards to an incorrect balance and account information. There was a response sent to them indicating the balance was inaccurate and sent via certified mail. I have all copies of documentation. According to the collection notice from Commercial Acceptance Company and my rights, they were to respond with validity of this debt. I contacted Commercial Acceptance Company they indicated they never received anything. I advised Commercial Acceptance Company that I would be calling an attorney for unethical collection practices. T Commercial Acceptance Company are also calling at all hours of the day and harassing me in regards to this debt.