Identify ourselves
Calls and letters identify Merchant Rehab and the account being discussed.
Operating standards
Commercial recovery still needs rules.
The FDCPA applies to consumer debt, not commercial accounts. That does not mean anything goes. We document contact, identify ourselves, and keep resolution terms in writing.
Who this page is for
For merchants, lenders, regulators, and compliance teams.
What we do
Call during business hours
Our published hours are Mon-Fri, 8:00AM to 4:30PM EST.
Keep records
Call records, letter copies, and resolution documents are retained for review.
What we do not do
No threats or shaming
Pressure language does not resolve commercial files cleanly.
No spoofed numbers
Calls can be returned through the published phone number.
No unusual payments
Gift cards, crypto, and personal-account wires are never Merchant Rehab payment methods.
Raise a concern
If you believe a communication did not meet these standards, use the complaints and escalation process.
