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Settle Your Debt With Commercial Acceptance Company

Sarah Edwards | January 15, 2024

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Follow these steps to settle debt with Commercial Acceptance Company: assess your financial situation, explain your situation and make an offer, ask for a settlement agreement in writing. SoloSuit can help you settle a debt lawsuit and avoid going to court.

If you’ve been getting incessant texts, calls, and letters from Commercial Acceptance Company, you might be tempted to just ignore them. Don’t do that! As is the case with many things in life, the longer you wait to deal with a debt collector, the worse the problem gets.

So what is Commercial Acceptance Company, and what do you do if they’ve been harassing you for money? Let’s find out.

Respond to Commercial Acceptance Company the right way.

What is Commercial Acceptance Company?

Commercial Acceptance Company is a debt collection agency that’s been making consumers’ lives miserable since 1993. It’s headquartered at 2300 Gettysburg Road, Camp Hill, Pennsylvania 17011, and its main phone number is (800) 690-3857.

Who is Commercial Acceptance Company collecting for? According to its website, Commercial Acceptance Company divides its operations into two sections: medical and retail. The medical side of the business recovers accounts for different kinds of medical providers. The retail side focuses on several account types:

  • Installment loans
  • Utility bills
  • Lease agreements
  • Credit cards
  • Other written agreements

Basically, this collector will go after just about anyone for just about any kind of debt.

To the surprise of no one, Commercial Acceptance Company isn’t Better Business Bureau (BBB) accredited. However, according to its BBB profile, it has a B rating. And as of January 2024, it had nearly 200 complaints against it listed on the Consumer Financial Protection Bureau (CFPB) consumer complaint database.

A quick skim through Commercial Acceptance Company reviews will show you that consumers like you are tired of dealing with rude, unprofessional representatives. Here are some examples of real consumer experiences with the collection agency:

In short, Commercial Acceptance Company isn’t a scam, even if it uses scammy tactics at times. That means you shouldn’t ignore the company if you get a phone call, text, or letter. If you ignore demands long enough, you might find yourself facing a debt collection lawsuit. That’s something you should avoid if at all possible!

What to do if Commercial Acceptance Company says you owe money

Unfortunately, most people don’t know their rights when it comes to the legality of debt collection. Most people also (understandably) panic when they get a threatening call or letter from a debt collector. Debt collectors count on people panicking and paying up, and sadly, that seems to be what happens most of the time.

Thanks to the Fair Debt Collection Practices Act (FDCPA), you have the right to ask a debt collector to prove you owe a debt. If the collector can’t prove it, you don’t owe it.

However, you need to formally request that proof with a Debt Validation Letter. In this letter, you need to request several different pieces of information:

  • The original creditor (the person or company you owed money to before it was handed over to the collection agency).
  • How much money you allegedly owe.
  • A copy of the signed contract between you and the original creditor.
  • A record of the last payment/transaction on the account.
  • Proof that Commercial Acceptance Company is legally allowed to collect the debt.
  • Proof that Commercial Acceptance company is licensed to operate in your state of residence.

Check out SoloSuit’s video Q&A about Debt Validation Letters!

At the very least, sending a Debt Validation Letter should give you a break. Once a debt collector has received your letter, they aren’t legally allowed to contact you until they have validated the debt.

However, judging by the unprofessionalism mentioned in Commercial Acceptance Company reviews, this is a company that might still try to harass you.

You might wonder if you should bother sending a Debt Validation Letter if you know you owe the debt. The answer is yes! Many debt collectors don’t have proof that you owe a given debt. Sometimes (especially for smaller debts), they might stop bothering you altogether.

Validating your debt takes time and effort, and that’s time and effort they might not be willing to spend. Fortunately for you, it doesn’t take too much time and effort to send a Debt Validation Letter when you work with SoloSuit!

Make Commercial Acceptance Company validate your debt.

Next steps if Commercial Acceptance Company proves you owe the debt

Once you’ve sent your Debt Validation Letter, you’ll need to wait for Commercial Acceptance Company to respond. Usually, the situation will go one of two ways. Let’s look at an example.

Example: Bobby gets a threatening letter from Commercial Acceptance company saying he owes $525 in past-due utility bills. He knows he neglected to pay some of his utility bills, but he sends a Debt Validation Letter anyway. If he never hears from Commercial Acceptance Company again, he can infer that the company has dropped the case — they were unwilling or unable to validate the debt. If they do respond with a validation, Bobby knows that he legally owes the money.


If the company does validate the debt, you can expect the Commercial Acceptance Company phone harassment to continue until you pay. The best way to deal with the situation (and avoid a lawsuit) is to get in touch and pay the debt. If you can’t pay it all at once, you might be able to set up a payment plan.

Note that you can only send a Debt Validation Letter before a collector files a lawsuit against you. But if Commercial Acceptance Company has already sued you, don’t lose hope! SoloSettle from SoloSuit might help you settle your debt for less than you owe.

Settle your debt once and for all — get started with SoloSettle today.

Use these tips to settle your debt with Commercial Acceptance Company

If Commercial Acceptance Company has already validated your debt, and you know exactly how much you owe, debt settlement can help you resolve the debt and save money. Use these three tips to settle your debt with Commercial Acceptance Company:

  1. Assess your financial situation. Determine how much you can afford to pay upfront, even if it’s just a percentage of the debt amount. Don’t offer more than you can pay.

  2. Explain your situation and make an offer. Tell them why you can’t afford to pay off the whole debt. Collect and send over documents like your paystubs, monthly bills, etc. to demonstrate your financial hardship. Send an offer to pay off a portion of the debt in a lump-sum payment, if possible. You may also discuss monthly payment plan options if a lump-sum settlement doesn’t work for your financial situation.

  3. Ask for a settlement agreement in writing. Be sure that the agreement outlines the terms and conditions that are important for you. For example, you should ask them to report the debt as paid to all the major credit reporting bureaus. File this document into the court case, and be sure to uphold your end of the agreement.

Like any other debt collection agency, Commercial Acceptance Company can make your life miserable if you let it. Dealing with debt can be stressful, uncomfortable, and even downright scary.

But when you know your rights and make a company prove you owe a debt before you pay it, you might find yourself owing less than you thought — or even owing nothing at all. Don’t waste another minute. Get started with SoloSuit today!

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