Credit Clearing House of America
Effective Date: August 14, 2026
Last Updated: August 14, 2026
These Terms of Service ("Terms") govern your access to and use of the website located at cchamerica.com (the "Site"), operated by Credit Clearing House of America ("CCHA," "we," "us," or "our"), a professional debt collection agency located at 120 E Market St, Louisville, KY 40202. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.
CCHA provides debt collection and accounts receivable recovery services to businesses. The Site provides general information about our services, contact information, and links to make payments on accounts placed with us. This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose.
Content on the Site is provided for general informational purposes only. Nothing on the Site constitutes legal, financial, tax, or credit advice. You should consult a qualified professional regarding your specific situation. Links to educational resources (such as Ask Doctor Debt) are provided for convenience and do not constitute an endorsement of, or responsibility for, their content.
The Site is intended for users who are at least 18 years of age and located in the United States. By using the Site, you represent that you meet these requirements.
Payments on accounts are processed through our third-party payment portal. When making a payment:
If you have questions about your account balance or a payment arrangement, contact us at 502-583-1666 or 800-928-1666 before submitting a payment.
Nothing in these Terms waives, limits, or modifies any rights you may have under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, or applicable state law, including your right to dispute a debt or request validation.
You agree not to:
We may suspend or terminate access to the Site for violations of these Terms.
The Site and its content — including text, graphics, logos, and design — are the property of CCHA or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may view and print Site content for personal, non-commercial use. Any other use requires our prior written consent.
Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and protect personal information. Please review it carefully.
By providing your email address or other electronic contact information and consenting to electronic communications, you agree that we may communicate with you electronically where permitted by law. You may withdraw consent to electronic communications by following the opt-out instructions provided in those communications or by contacting us.
The Site contains links to third-party websites, including the payment portal and educational resources. These sites are not under our control, and we are not responsible for their content, availability, or practices. Accessing third-party sites is at your own risk.
THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS. INFORMATION ON THE SITE, INCLUDING ANY ACCOUNT-RELATED INFORMATION, MAY NOT REFLECT THE MOST CURRENT STATUS OF AN ACCOUNT; CONTACT US DIRECTLY TO CONFIRM BALANCES OR ARRANGEMENTS.
TO THE FULLEST EXTENT PERMITTED BY LAW, CCHA AND ITS OWNERS, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE. NOTHING IN THIS SECTION LIMITS ANY LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW, OR ANY RIGHTS YOU HAVE UNDER FEDERAL OR STATE CONSUMER PROTECTION LAWS.
You agree to indemnify and hold harmless CCHA from claims, damages, and expenses (including reasonable attorneys' fees) arising from your violation of these Terms or misuse of the Site, to the extent permitted by law.
These Terms are governed by the laws of the Commonwealth of Kentucky, without regard to conflict-of-law principles, except where federal law applies. Any dispute arising from these Terms or use of the Site shall be brought in the state or federal courts located in Jefferson County, Kentucky, and you consent to the jurisdiction of those courts. This Section does not apply to any claim you may bring under consumer protection statutes that provide for a different forum.
We may modify these Terms at any time by posting the updated version on the Site with a revised "Last Updated" date. Continued use of the Site after changes are posted constitutes acceptance of the modified Terms.
If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.
