A-Z list of debt collectors in Canada
Debt collectors and collection agencies in Canada, listed A-Z. Look one up by name or phone number to check their licence and who they collect for, or scroll the full list below.
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What is a debt collector?
A debt collector is a person or agency that chases money you owe, either on behalf of the original creditor or after buying the debt outright. In Canada, debt collectors and collection agencies are licensed and regulated province by province. The same consumer protection rules apply whether the collector is working for a bank, a phone company, a utility, a store card or a buy-now-pay-later lender. The debt collectors and collection agencies listed above are the ones we track operating in Canada — look one up by name to check their licence, the phone numbers they call from and the creditors they collect for.
Find debt collectors by location
Collection agencies are licensed at the provincial level, so where a collector operates matters. Browse debt collectors by province or by city to see who is licensed to collect where you live, including Ontario, British Columbia, Alberta and Quebec.
Debt collector FAQs
Do you have to pay a debt collector?
If the debt is genuinely yours and still within your province's limitation period, you owe the money and a collector can pursue it. But you don't have to pay on the spot. You can ask the collector to verify the debt in writing first — the original creditor, the balance, and proof they're allowed to collect it — before you pay anything or agree to a payment plan.
What happens if you don't pay a debt collector?
The collector keeps contacting you, and the unpaid account is usually reported to Equifax or TransUnion, where it stays on your credit report for six years. If the debt is still within the limitation period, the collector or creditor can also sue you and, with a court judgment, garnish wages or your bank account. Ignoring a collector doesn't make the debt disappear, but you do have rights about how and when they can contact you.
How long can a debt collector come after you in Canada?
A collector can ask you to pay at any time, but their ability to sue you is limited. Most provinces have a limitation period of two years from the last payment or written acknowledgment of the debt, after which a court claim can be defended as out of time. The period varies by province, and making a payment or admitting the debt in writing resets the clock — so check the rules where you live before you respond.
What is a debt collector?
A debt collector is a person or agency that pursues money you owe on behalf of the original creditor, or that has bought the debt outright. In Canada, collection agencies are licensed and regulated at the provincial level, and the same rules apply whether the collector works for a bank, a phone company, a utility or a buy-now-pay-later lender. Every collector in the list above is one we track operating in Canada.