Commercial Collectors, Inc.
PO Box 81
Princeton, MN 55371-0081
800-328-0793
Revised May 11, 2026
Welcome to our Site. The use of this Site is subject to the following Terms and Conditions and the Privacy Policy at https://commercialcollectors.com/privacy-policy/
CAREFULLY READ THE FOLLOWING TERMS AND CONDITIONS. THEY CONTAIN VERY IMPORTANT INFORMATION ABOUT YOUR RIGHTS AND OBLIGATIONS, AS WELL AS LIMITATIONS AND EXCLUSIONS THAT MAY APPLY TO YOU. THIS DOCUMENT CONTAINS A DISPUTE RESOLUTION CLAUSE.
1. Agreement to Terms
These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“User” or “you”) and Commercial Collectors, Inc.: a Minnesota licensed debt collection agency (“Company,” “we,” “us,” or “our”), governing your access to and use of www.commercialcollectors.com (URL) (“Site”), including any online payment portal or account management features available through the Site.
BY ACCESSING OR USING THE SITE, OR BY SUBMITTING A PAYMENT THROUGH THE SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, DO NOT USE THE SITE.
Your use of this Site constitutes your express acceptance without reservation to these Terms.
We reserve the right to modify these Terms at any time. Changes take effect upon posting to the Site. Your continued use of the Site after any modification constitutes your acceptance of the updated Terms.
2. Eligibility and Authorized Use
The Site is intended solely for use by individuals who are 18 years of age or older and who are the debtor, account holder, authorized representative, or legal guardian of the debtor whose account is being serviced. By using the Site, you represent and warrant that:
- You are at least 18 years of age;
- You have the legal authority to make payment on the account you are accessing;
- All information you provide is accurate, current, and complete;
- You are not using the Site for any unlawful purpose.
Use of the Site on behalf of another person, including as an attorney in fact under a power of attorney or authorized third-party payer, is permitted only with proper written authorization, which we may require you to provide upon request.
3. Nature of Our Services
The Company is a debt collection agency collecting on commercial (non-consumer debts).
We collect debts on behalf of original creditors, debt purchasers, and other clients. OUR COMMUNICATIONS WITH YOU AND THIS SITE ARE AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Nothing on this Site constitutes legal advice, credit counseling, or financial advice. We encourage you to consult with an attorney, financial advisor or other professional of your choosing if you have questions about your rights or options regarding a debt.
The Company is licensed to collect debts in the following states: Minnesota. If you reside in a state not listed, please contact us before using the Site or submitting a payment.
4. Online Payment Terms
4.1 Payment Authorization
By submitting a payment through the Site, you authorize the Company and its payment processor to charge the payment method you provide in the amount you specify. For one-time payments, this authorization covers the single transaction submitted. For payment arrangements (if offered), your authorization covers each installment as scheduled.
4.2 Payment Processor
All payment transactions are processed by a third-party PCI DSS-compliant payment processor. We store only tokens that point to a credit/debit card numbers on our servers. By submitting payment, you also agree to any applicable terms of the payment processor.
4.3 Payment Confirmation
For ACH payments, a payment confirmation will be sent to the email address you provide at the time of payment. You are responsible for providing an accurate email address. Retain your confirmation for your records. Posting of a payment to your account may take 1-3 business days from the date of processing.
For credit card payments, you will get a payment confirmation.,
4.4 Payment Arrangements
If you enter into a payment plan or settlement arrangement through the Site or directly with us, the terms of that arrangement (including payment amounts, due dates, and settlement conditions) are binding. Failure to make a scheduled payment may result in the arrangement being voided and the full balance becoming due, unless otherwise agreed in writing.
4.5 Returned Payments and Chargebacks
If a payment is returned unpaid (including by reason of insufficient funds, stop payment, or account closure), or if you initiate a chargeback or dispute with your financial institution, we reserve the right to:
(a) assess a returned payment fee in the amount permitted by applicable law;
(b) reinstate the full outstanding balance; and
(c) pursue collection of the debt by other lawful means. Initiating a chargeback may not constitute a valid dispute of the underlying debt.
4.6 No Satisfaction Until Cleared
A payment is not considered to have satisfied any debt obligation until funds have cleared and been applied to your account. We reserve the right to reverse credit given for a payment that is subsequently returned or reversed.
4.7 Consent to Communications
Unless prohibited by applicable law, by providing the above information, you consent to communications from us via text message, telephone, mail, and other methods and technologies.
5. Account Access and Security
To access certain features of the Site (including account information and payment history), you may be required to verify your identity using your account number, name, and/or other identifying information. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs through your account access session.
You agree to notify us immediately at 800-328-0793 if you suspect unauthorized access to your account or any breach of security. We are not liable for any loss or damage arising from your failure to maintain the security of your access credentials.
6. Prohibited Conduct
You agree not to:
- Use the Site for any unlawful purpose or in violation of any applicable federal, state, or local law or regulation;
- Submit false, fraudulent, or misleading information, including payment information that you do not have authority to use;
- Attempt to gain unauthorized access to any portion of the Site, our systems, or the accounts of other users;
- Interfere with or disrupt the operation of the Site, including by introducing viruses, malware, or other harmful code;
- Use automated scripts, bots, scrapers, or other tools to access or interact with the Site without our express written permission;
- Impersonate any person or entity or misrepresent your identity or authority to act on an account;
- Engage in any conduct that could damage, disable, overburden, or impair the Site or our servers.
7. Your Rights Under the FDCPA
For debts and debtors that fall within its parameters, the Fair Debt Collection Practices Act (FDCPA) may provide you with certain rights. These Terms do not limit or waive any rights you have under the FDCPA or applicable state debt collection law, including, as applicable:
- The right to request written verification of the debt within 30 days of our initial written notice;
- The right to dispute the validity of the debt, in whole or in part;
- The right to request the name and address of the original creditor;
- The right to send a written cease-communication request (subject to statutory exceptions).
To exercise any of the above rights, please contact us in writing at the address above. Online use of this Site does not constitute a waiver of any FDCPA rights, nor does it restart any applicable statute of limitations on the underlying debt.
8. Intellectual Property
All content on the Site, including text, graphics, logos, button icons, images, and software, is the property of the Company or its content suppliers and is protected by applicable copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the Site solely for the purpose of managing and paying your debt account.
You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise use or exploit any content from the Site without our express prior written permission.
9. Disclaimers
THE SITE AND ALL CONTENT, FEATURES, AND SERVICES PROVIDED THROUGH IT ARE OFFERED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT.
We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy or completeness of any account balance or other information displayed on the Site. Account balances are subject to change and should be confirmed with our office prior to making a payment intended to satisfy a debt in full.
10. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SITE SHALL NOT EXCEED THE AMOUNT OF THE MOST RECENT PAYMENT YOU SUBMITTED THROUGH THE SITE, OR ONE HUNDRED DOLLARS ($100.00), WHICHEVER IS GREATER.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.
11. Indemnification
You agree to indemnify, defend, and hold harmless the Company and its affiliates, officers, directors, employees, agents, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys’ fees) arising out of or relating to: (a) your use of the Site; (b) your violation of these Terms; (c) any payment submitted by you without proper authority; or (d) your violation of any applicable law or the rights of a third party.
12. Governing Law and Dispute Resolution
12.1 Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Minnesota, without regard to its conflict of law provisions and any applicable federal law. Nothing in this section limits any rights you have under the FDCPA or other federal consumer protection statutes.
12.2 Dispute Resolution
Other than claims regarding a debt or the collection of any debt, any claim, dispute or controversy (whether in contract, tort or otherwise, whether pre-existing, present or future, and including statutory, common law, intentional tort and equitable claims capable in law of being submitted to binding arbitration) against us, our agents, employees, officers, directors, successors, assigns or affiliates arising from or relating to these Terms, its interpretation or the breach, termination or validity thereof, the relationships between the parties, whether pre-existing, present or future (including, to the full extent permitted by applicable law, relationships with third parties who are not signatories to these Terms), licensor group’s advertising or any related purchase shall be resolved exclusively and finally by binding arbitration administered by the national arbitration forum (“NAF”) under its code of procedure and any specific procedures for the resolution of small claims and/or consumer disputes then in effect (available via the internet at www.arb-forum.com, or via telephone at 1-800-474-2371). The arbitration will be limited solely to the dispute or controversy between you and Commercial Collectors, Inc.. Any award of the arbitrator(s) shall be final and binding on each of us, and may be entered as a judgment in any court of competent jurisdiction. Information may be obtained, and claims may be filed with the NAF in the state of Minnesota or otherwise agreed between the you and Commercial Collectors, Inc. or by online filing at www.arb-forum.com.
12.3 Injunctive Relief
You acknowledge and agree that it would be difficult to fully compensate COMMERCIAL COLLECTORS, INC. for damages resulting from the breach or threatened breach of these Terms and, accordingly, COMMERCIAL COLLECTORS, INC. will be entitled to seek injunctive relief, including temporary restraining orders, preliminary injunctions and permanent injunctions, to enforce such provisions. This provision with respect to injunctive relief will not, however, diminish COMMERCIAL COLLECTORS, INC.’S right to claim and recover damages.
12.4 Notices
Except as expressly stated otherwise, all notices to COMMERCIAL COLLECTORS, INC. must be sent to the postal address provided above, which COMMERCIAL COLLECTORS, INC. may update from time to time
13. Third-Party Links and Services
The Site may contain links to third-party Sites or integrate third-party services (including payment processors). These third-party sites and services are governed by their own terms and privacy policies, which we encourage you to review. We are not responsible for the content, accuracy, or practices of any third-party sites or services.
14. GENERAL PROVISIONS
14.1 Governing Law. These Terms shall be interpreted in accordance with the laws of the State of Minnesota, without reference to conflict of law provisions and any applicable federal law. The parties agree to the exclusive jurisdiction and venue of the state and federal courts of the State of Minnesota.
14.2 Waiver. Failure of either party to object to any act or omission of the other party, no matter how long the same may continue, shall not be deemed to be a waiver by such party of any of its rights hereunder. No waiver by any party at any time of any other provision of these Terms shall be deemed a waiver or breach of any other provision of these Terms or consent to any subsequent breach of the same of any other provision hereunder Waiver of any rights or remedies must be in a signed writing by the waiving party.
14.3 Headings. The paragraph headings contained in these Terms are for convenient reference only, and shall not in any way affect the meaning or interpretation of these Terms.
14.4 Severability. If any provision of these Terms is held to be illegal, invalid or unenforceable under present or future laws effective during the term hereof, such provision shall be fully severable; these Terms shall be construed and enforced as if such illegal, invalid or unenforceable provision had never comprised a part hereof; and the remaining provisions of these Terms shall remain in full force and effect and shall not be affected by the illegal, invalid or unenforceable provision or by its severance from these Terms. Furthermore, in lieu of each such illegal, invalid or unenforceable provision, there shall be added automatically as a part of these Terms a provision as similar in terms to such illegal, invalid or unenforceable provision as may be possible and be legal, valid and enforceable.
14.5 Survival. Any provisions of these Terms which requires performance or grants a benefit after termination of the Agreement shall be deemed to survive the termination of the Agreement.
14.6 Entire Agreement. These Terms, along with any attachments, set forth the entire agreement and understanding of the parties in respect of the transactions contemplated hereby and supersede all prior agreements, arrangements and understandings, whether written or oral, relating to the subject matter hereof.
14. Contact Information
For questions about these Terms, to exercise your rights, or to contact us regarding your account, please reach us at:
Commercial Collectors, Inc.
PO Box 81
Princeton, MN 55371-0081
Phone: 800-328-0793
Hours: 8 am-5 pm CT Monday-Friday, excluding U.S. national holidays.
Written correspondence is required for debt disputes, cease-communication requests, and verification requests.
End of these Terms and Conditions.