Debt collection agencies in Canada
Search by company name or phone number to identify the debt collection agency contacting you, or browse the A–Z directory below.
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Find and verify debt collection agencies in Canada
Canada's independent collection agency directory.
Someone called you about a debt. You don't recognize the number. You're not sure if they're legitimate. Start here.
Search by company name or phone number, or browse by province. Every listing includes contact details, licence numbers, and what they're allowed to do.
You can also look up who a collection agency collects for, search a phone number to see who called you, and read plain-language guides on your rights when a debt collector contacts you.
Check the name matches. Check the number is real. Don't share anything or pay anything until you've verified who you're talking to.
FAQs
Enter the phone number into our phone number search to see if it matches a known collection agency in Canada.
If you get a match, check the agency's listing for their official contact details and licence status before you call back.
If there's no match, don't call back. Legitimate collection agencies will try again and are required to identify themselves.
Every province requires collection agencies to hold a licence or permit.
Ontario, Alberta, British Columbia, Saskatchewan, Manitoba, Nova Scotia, New Brunswick, PEI, and Newfoundland and Labrador each have their own licensing body. Quebec requires a permit from the Office de la protection du consommateur (OPC).
You can browse agencies by province on this site and check whether a collection agency holds a valid licence before you respond to them.
Verify everything before you do anything else. Ask for the name of the collection agency, the name of the original creditor, the amount owed, and a reference number. Check those details independently.
Search for the collection agency on this site, confirm their phone number matches, and check their licence status with your provincial regulator.
Don't confirm personal information or make a payment on the first call.
Yes. A collection agency can report the debt to Equifax or TransUnion as a collection account on your credit report.
This lowers your credit score and stays on your report for six to seven years, depending on the province, even after you pay it.
If a collection agency has contacted you, check your credit report to see whether anything has been reported.
If you think a collection agency has violated debt collection rules, contact the consumer protection authority in your province.
Before filing, record the dates and times of contact, the phone number used, what was said, and copies of any emails, letters, or texts. This record strengthens your complaint.
For contact details and links to your provincial office, check the Federal, Provincial and Territorial Consumer Affairs Offices directory.