We take
- Merchant cash advance defaults
- Small-business term loans in default
- Equipment finance past due
- Merchant services balances
- Portfolio transfers of aged commercial receivables
About Merchant Rehab
Commercial account recovery, plainly handled.
We work commercial accounts placed by lenders, funders, and portfolio buyers. Every file is verified, every conversation is documented, and every resolution is put in writing.
We work the commercial side. Nothing else.
If a notice you received looks consumer-related, credit card, personal loan, household debt, it isn't from us. Tell us if it came in our name.
We do not
- Credit card debt
- Personal loans
- Household and medical debts
- Utility and rent balances
- Anything covered by the FDCPA
Every file has two conversations. We work in the middle of both.
01 Capital side
Originators and portfolio holders
MCA funders, online lenders, equipment finance companies, ISO groups, and buyers of aged receivables. We take files directly from origination or via portfolio transfer. Before any outreach, we verify placement, balance, and the most recent communication of record.
02 Borrower side
Merchants and guarantors
The businesses that took the original capital, and in most cases the owners who personally guaranteed it. When you call us, you're talking to the person assigned to your file. Not a dialer, not a script.
Four practices. Three refusals.
None of this is unusual for a serious firm. It is only unusual because parts of the industry have grown comfortable without it.
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Verify before contact
Placement, balance, and the most recent contact record confirmed before any letter or call goes out.
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Document every call
Recorded calls and letter copies retained for the life of the file and beyond. You can ask for what's on your file.
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Put resolutions in writing
Settlement terms, structured plans, reinstatement agreements. Always written, always countersigned.
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Escalate misplacements
If a file was wrongly placed, paid, disputed, or belonging to the wrong business, we close it and correct the record with the originator.
A real notice. A fake one.
If a notice references "Merchant Rehab," check it against this list before paying anything, signing anything, or giving out account details.
Verified
A real notice from us
- Names the originator who placed the file, the funder or lender you took capital from.
- Includes your account or reference number and your business name as it appears on the original paperwork.
- Uses the phone, mailing address, and email domain shown on this page.
- Offers multiple ways to respond, including by mail and by phone.
- Explains what you owe, who placed the account, and how to dispute it.
- Never asks for gift cards, cryptocurrency, or wire to a personal account.
Fraud
A scam using our name
- Uses a lookalike email domain (extra letters, different ending like .co or .net).
- Demands immediate payment by gift card, crypto, wire to a personal account, or same-day ACH.
- Threatens arrest, deportation, or imprisonment. We do none of these things and neither does any legitimate firm.
- Refuses to send anything in writing or give a callback number.
- Won't name the originator, or names one that doesn't match your records.
- Pressures you to act within minutes rather than giving you time to verify.
If you're uncertain, stop and email info@merchantrehab.com with the notice you received. We'll tell you whether it's ours.
Commercial recovery sits outside the FDCPA, which applies to consumer debts. That doesn't mean anything goes.
State commercial collection laws, the UCC, the funder's placement agreement, and basic honest dealing set the rules we work within. If a particular communication, notice, or fee is a close call, we default to the stricter reading and document what we decided and why.
Records on every file are retained through the lifecycle of the account and for a period after closure. If you'd like a copy of correspondence on your file, ask. We'll send what's there.
- Framework
- State commercial collection laws and the UCC
- Placement
- Originator agreement terms govern the file
- Records
- Retained through close and a period after
