No one wants to get the dreaded call from CACi saying you owe money. But if you’ve gotten this call or letter, it’s not time to panic. You have federally guaranteed tools and resources that can help you take care of the situation on your own terms without losing time or money you don’t deserve to waste.
What is CACi?
Consumer Adjustment Company, Inc. (CACi) is a debt collection agency based in Earth City, Missouri. They’ve been in operation since 1966 as a third-party debt collector, meaning they collect payment for overdue accounts on behalf of other businesses.
Other names for CACi
If CACi is attempting to collect a debt from you, they’ll likely appear on your credit report. You may see them on your report under different names, including:
- Consumer Adjustment Company, Inc.
- Consumer Adjustment Company
Who does CACi collect for?
CACi collects debts on behalf of businesses with unpaid accounts from clients and customers. Types of debt collected by CACi vary, so remittance they’re trying to collect from you may include:
- Medical debt
- Utilities and telecommunications debt
- Goods and services debt
- Credit account debt
- Loan debt
Is CACi a scam?
No, CACi is not a scam. It’s a legitimate company established in 1966 and incorporated in 1967. But being a legitimate company doesn’t mean CACi always operates ethically. In fact, they have a C rating on the BBB, an alert for a pattern of complaints, and over 400 registered complaints. 1 Additionally, CACi has been sued multiple times on claims of violating the Fair Debt Collection Practices Act. 2 3
If you’re being contacted by CACi, know your rights under federal law, so you don’t become overwhelmed by debt collectors or pay more than you should.
How to deal with CACi
Ready to take control of your debt with CACi? Choose the methods you want to attempt below.
If the debt is inaccurate, learn how to remove the collection from your credit report.
If your rights are being violated, learn how to fight back using protections under federal law.
If you're not certain the debt is yours, request more information (and temporarily stop collection efforts).
If you're ready to pay up, learn how to do it in a way that keeps you on better financial footing.