Commercial obligation
Usually tied to a business agreement, merchant cash advance, business loan, equipment finance agreement, or merchant services balance.
Resource
We work commercial accounts only.
Merchant Rehab does not collect personal, household, credit card, medical, utility, rent, or other consumer debts.
Who this page is for
For visitors unsure whether an obligation is business or personal.
Why the distinction matters
Consumer debt
Usually tied to personal, family, or household purposes. We do not handle those accounts.
The edge case: a personal guarantee
Business purpose
A personally guaranteed business account can still be commercial if the underlying obligation funded the business.
Documentation matters
The agreement, business name, originator, and use of funds help determine what the file is.
Tell us if it looks wrong
If a notice appears consumer-related, send it to us so we can review and correct the issue.
Ready to confirm the file?
Have your reference number nearby if you received a notice. We can usually identify the account quickly and explain the next step in writing.
