Commercial Collections of America LLC: Who They Are and What to Do If They Contact You About a Balance
Commercial Collections of America, LLC is a California commercial collection agency, not a lender and not a merchant cash advance company. It has operated since 2006 (incorporated February 2005), works on contingency for businesses that are owed money by other businesses, is a member of the International Association of Commercial Collectors, and is listed by the BBB as not accredited and not rated for lack of information. It shows up in federal bankruptcy dockets from 2019 to 2026 as a listed creditor in small-business and owner cases across a dozen states. An earlier version of this page described Commercial Collections of America as an MCA funder and quoted factor rates for it. That was wrong and has been removed. If CCA is contacting you, another business, possibly a funder, has placed an unpaid account with it.
What Commercial Collections of America is
Commercial Collections of America, LLC (ccacollect.com), listed by the BBB at 2600 Central Avenue, Suite N, Union City, California 94587, with the company site giving 1559 Spinnaker Drive, Suite 205, Ventura, California 93001, phone (510) 441-9400, info@ccacollect.com, hours 6 am to 5 pm Pacific, Monday to Friday. The BBB records business started 9 May 2006, incorporated 23 February 2005, a limited liability company, one employee, BBB file opened 27 April 2007, category collections agencies, not accredited, not rated because the BBB says it lacks sufficient information. It is listed in the member directory of the International Association of Commercial Collectors.
The company site describes a full-service commercial collection agency for small, medium and large companies, working from experience it says spans over three decades, negotiating directly with debtors or their attorneys by phone, email and letter, on a strictly contingent basis: if it does not collect, it does not charge the client. There is no product, no application and no rate on the site.
What it is not: a funder, a lender or a merchant cash advance provider. There is no CCA advance, no factor rate and no reconciliation clause of its own. If our earlier page led you to expect any of those, disregard it.
Why a business owner hears from CCA
CCA collects business-to-business debts. A business owner hears from it because a creditor, a supplier, a landlord, a carrier, a lender or a merchant cash advance funder, has placed an unpaid invoice or balance with it. The public record is consistent with that: CCA appears as a listed creditor or notice party in bankruptcy dockets for trucking companies, a nursery, a stone contractor, a logistics firm and individual owners in New Jersey, Texas, Montana, Georgia, Wisconsin, Washington, South Carolina, Illinois, California, Pennsylvania, Missouri and Delaware between 2019 and 2026, and it sued a courier company, BeavEx, in federal court in California in 2018 before that company's own bankruptcy.
Which creditor placed the account changes everything. A supplier invoice is a straightforward commercial debt. A merchant cash advance balance carries the funder's agreement, the reconciliation clause, the personal guaranty and often a UCC filing, and those are the documents that decide what can be argued.
What to establish from your own paperwork
- Whose account it is, and the balance claimed. Ask in writing, at 1559 Spinnaker Drive, Suite 205, Ventura, CA 93001, for the creditor's name, the invoice or agreement, the dates, every payment credited and the balance claimed. An agency on contingency can supply all of it.
- Whether CCA owns the account or is servicing it. CCA describes its work as contingent placements, so the creditor almost certainly remains the counterparty and any settlement needs its sign-off.
- Whether the FDCPA applies. A commercial invoice or a merchant cash advance is a business transaction, and the federal Fair Debt Collection Practices Act generally does not apply. California's Rosenthal Act and its collection-agency licensing rules, plus the general prohibitions on harassment and misrepresentation, still do.
- If it is an MCA balance: pull the agreement, the debit history, the reconciliation clause and the personal guaranty before you agree to anything. See how MCA debt relief works.
- Whether the debt is time-barred. A contingency agency sometimes works old accounts. Check the date of last payment against the limitation period in the state whose law governs the contract.
If a lawsuit has been filed
CCA is an agency, not a law firm. If a suit exists it will come from the creditor or counsel it retains, and the summons will name the creditor as plaintiff. Answer before the deadline, usually 20 to 30 days from service; a default judgment ends the negotiation. See what to do if a creditor represented through CCA sues.
Can the balance be settled?
Usually, if the balance is real. A contingency agency has every reason to close a file, and settlements within limits the creditor sets, supported by a documented hardship and a realistic lump sum or schedule, tend to be heard. On an MCA balance the owner's personal guaranty is part of the negotiation. See how a balance CCA is collecting can be settled.
Business Debt Adjusters reviews the agreement or invoices, the payment history and any filings, and tells you what is realistic before you commit to anything.
Frequently Asked Questions
Is Commercial Collections of America a merchant cash advance company?
No. Commercial Collections of America, LLC is a California commercial collection agency operating since 2006 that collects business-to-business debts on contingency. It does not fund advances or loans.
Is Commercial Collections of America legitimate?
It is a California LLC incorporated in 2005 with a published address and phone, a member of the International Association of Commercial Collectors, and it appears as a creditor in federal court records for years. The BBB lists it as not accredited and not rated for lack of information. Legitimate does not mean the balance is correct; ask for the creditor's name and an itemised account in writing.
Why is Commercial Collections of America contacting my business?
A creditor, which could be a supplier, carrier, landlord, lender or merchant cash advance funder, has placed an unpaid account with it. Find out which creditor and which agreement before responding by phone.
Does the Fair Debt Collection Practices Act apply to a business debt CCA is collecting?
Generally no, because commercial debts fall outside the federal FDCPA. California's Rosenthal Act, state licensing rules and the general prohibitions on harassment and misrepresentation still apply, and a personal guaranty can bring the owner's own protections into play.
What should a business owner do after a letter from Commercial Collections of America?
Identify the creditor and the agreement or invoices, request an itemised balance in writing, check the date of last payment and whether any suit exists, and get the paperwork reviewed before agreeing to a number.
Sources
- BBB Business Profile: Commercial Collections of America, LLC, Union City, CA (not accredited, not rated, started 5/9/2006, incorporated 2/23/2005, file opened 4/27/2007)
- Commercial Collections of America LLC company website (services, contingency terms, Ventura address and hours)
- International Association of Commercial Collectors member directory: Commercial Collections of America, LLC
- CourtListener docket search: Commercial Collections of America in federal bankruptcy and district court dockets, 2011 to 2026
Facts on this page were checked against the linked sources on September 24, 2026. Business Debt Adjusters is not affiliated with, endorsed by, or authorized to represent the company described.
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