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About

Important information

  • Additional Info:
    • John Brown, President/CEO

About This Business

Creditor Advocates assists businesses in the recovery and management of their accounts receivable with an emphasis on great customer service. Our trained representatives work with your customers to help them resolve financial challenges while preserving those relationships.


Before filing a complaint with the BBB, please let Creditor Advocates help you resolve your concern by visiting its website at https://capayonline.com/complaints or calling (866) 357-7522 to speak with a consumer affairs representative.


According to the information supplied by Creditor Advocates, we are a collection agency headquartered in Minnesota. 

Products and Services

Creditor Advocates offers third party collection agency services as well as several customizable solutions including first party servicing, business office support, and financing. Business clients enjoy dedicated client support, portal access with real-time reporting, and systems integration to resolve issues quickly. 

Before filing a complaint with the BBB, please let Creditor Advocates help you resolve your concern by visiting its website at https://capayonline.com/complaints or calling (866) 357-7522 to speak with a consumer affairs representative.

According to information provided by Creditor Advocates Inc., this company is a provider of revenue cycle management and accounts receivable management services, and performs collections for clients in numerous industries, including health care, retail, education, government, telecommunications, commercial, utility, and financial services.

BBB Accredited Since: 8/6/2021

Years in Business: 15

Business Details

BBB File Opened:
8/26/2010
Business Started:
6/7/2010
Business Started Locally:
6/7/2010
Business Incorporated:
6/7/2010
Type of Entity:
Corporation
Business Management:
John Brown, President/CEO

Additional Contact Information

Principal Contacts
John Brown, President/CEO
Customer Contacts
John Brown, President/CEO
Additional Websites
capayonline.com/

Additional Information

Payment methods
  • Check
  • Debit Card
  • ACH
  • MasterCard
  • Visa
  • Certified Check
  • Money Order
Refund and Exchange Policy

Amounts paid may be refunded within 60 days of the payment to the extent the Creditor notifies Creditor Advocates that you qualify for a refund. Any over-payments of $5.00 or more over the total debt amount will be automatically refunded to the Account guarantor typically within 30 days of discovery or notification and confirmation by Creditor Advocates accounting department. Refunds may be requested for any over-payments. If approved, a refund will be issued within 30 days and may take the form of a credit card statement credit, ACH credit, or a separate refund check. Any and all over-payments or uncashed over-payment checks not sufficiently resolved will follow the MN Unclaimed Funds program and such funds will be remitted to Minnesota’s Department of Commerce. 

Other Resources
Minnesota Department of Commerce
85 7th Pl E Ste 500
Saint Paul MN 55101
Phone Number: (651) 539-1500
http://www.commerce.state.mn.us
[email protected]
North Dakota Department of Financial Institutions
2000 Schafer St Ste G
Bismarck ND 58501
Phone Number: (701) 328-9933
http://www.state.nd.us/bank
[email protected]

Industry Tip

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