Plain answers for commercial account questions.

Yes. We're a specialty commercial recovery firm. The phone number, mailing address, and email on this site are the only numbers and addresses we use. If a notice you received doesn't match them, don't engage with it. Email us and we'll check.

An originator (the MCA funder, lender, or equipment finance company you took capital from) or a portfolio holder placed your commercial account with us for resolution. The letter or email should name that originator. If it doesn't, or the name looks unfamiliar, tell us when you call. Portfolio transfers sometimes happen without the merchant being informed directly.

Three checks:

1. Phone. Any real call from us will come from, or can be returned to, the number on this site. If someone gives you a different callback number, don't use it.
2. Address. Real letters carry our mailing address. Cross-check it against the address on this page.
3. Email. Real emails come from an address ending in @merchantrehab.com. Lookalike domains (extra letters, different TLD) are scams.

When in doubt, don't reply to the suspect message. Open a fresh browser tab, type the address of this site by hand, and use the contact details here.

Call the number on this page. Have the reference number from the notice in front of you. The assigned handler will pull the file, confirm the balance and originator, and walk through what your options look like. If you can't talk now, email us with the reference number and we'll reply with a written summary.

Usually, yes to one or the other, and sometimes both. Structured payment plans over weeks or months are common. Partial settlements (paying a reduced amount in exchange for closing the file) are on the table depending on the originator's parameters and the age of the account. Bring us a rough picture of cash flow and we'll put something realistic in writing.

Tell us. If you never did business with the originator named on the notice, or the amount doesn't match anything you signed, we open a dispute on the file. You'll be asked to put the basis for the dispute in writing, usually a short email. We pause collection activity while we verify with the originator. If the file was misrouted to you, we close it and correct the record.

Commercial accounts generally don't report to consumer credit bureaus. The exception is where a personal guarantee is in play and the originator elects to report. We don't report trade lines ourselves. If credit is a concern, ask when you call and we'll pull the file to see whether a personal guarantee is attached and what the originator's policy is.

The account doesn't go away. Depending on the originator and the file, the next steps can include continued outreach, escalation to legal counsel, or a civil filing. The window to resolve something short of litigation is widest right now. That's not a threat, it's just the timing.

Placement packages from originators typically include the signed agreement, the payment history, the most recent contact of record, and a balance breakdown. If you'd like a copy of the documentation on your file, ask. We'll send what's on hand.

Yes. Write to us (email is fine) and say you prefer written communication only. We'll note the file and move to letter or email. That doesn't close the account or pause activity, but it does change how we reach you.

Write to the general inbox and mark the subject line "Escalation." A senior manager will review the file, listen to recorded calls if relevant, and respond within three business days. If you're not satisfied with that response, ask for it in writing and take it to the originator named on your file.

Payments are accepted by ACH, wire, check, and card, once a written agreement is in place. We don't accept gift cards, crypto, or wire to a personal account. If anyone asks you to pay that way claiming to be from Merchant Rehab, it isn't us.