Action Collections & Receivables Management (ACRM)

At a glance

Action Collections & Receivables Management (ACRM) is a Canadian debt collection agency headquartered in Toronto. ACRM has been in operation since 1989.

If Action Collections contacts you, ask for written proof of the debt before you share any personal details or make any payments.

You have the right to verify the debt, dispute it in writing, and file a complaint with your province's consumer protection office if the agency breaks the rules.

What is Action Collections & Receivables Management (ACRM)?

Action Collections & Receivables Management (ACRM) is a debt collection agency and accounts receivable management company.

They have been in business since 1989, and their head office is located in Toronto.

Action Collections chases unpaid debts on behalf of companies across different sectors, including telecommunications and banking.

Why is Action Collections calling me?

A call, letter or voicemail from Action Collections means a creditor has placed your account with them for collection.

Sometimes the debt is genuine, but other times it can be old, already settled, or actually belongs to someone else.

Don't confirm anything over the phone. Ask for written verification first. If the caller won't identify the original creditor, hang up.

Source: Government of Canada (FCAC) – Dealing with a debt collector

Who does Action Collections collect for?

Action Collections collects for a variety of companies, including financial institutions, telecommunications companies, utilities and vehicle finance providers.

Note: the companies listed above are gathered from user-submitted entries, consumer reports, online discussions, and public records. They do not represent confirmed contractual relationships with Action Collections.

Is Action Collections & Receivables Management a legitimate collection agency?

Yes. Action Collections & Receivables Management is a legitimate debt collection agency. ACRM is not BBB accredited.

Source: Better Business Bureau – Action Collections & Receivables Management

Action Collections is a member of the Canadian Society of Collection Agencies and the Receivables Management Association of Canada.

Is Action Collections & Receivables Management (ACRM) a licensed collection agency in Alberta?

852515 Ontario Limited, operating as Action Collections & Receivables Management (ACRM), is registered in Alberta as a collection agency under the Collection and Debt Repayment Practices Regulation. The table below shows the confirmed licence record as of February 2026.

Source: Service Alberta – Find out if a Business is Licenced (February 2026)

Is Action Collections a licensed collection agency in Quebec?

852515 Ontario Limited, operating as Action Collections & Receivables Management, is registered in Québec as a collection agency under the Consumer Protection Act, with oversight from the Office de la protection du consommateur (OPC).

The table below shows the confirmed licence record as of February 2026.

Source: Office de la protection du consommateur

Is Action Collections & Receivables Management a licensed collection agency in British Columbia?

852515 Ontario Limited, operating as Action Collections and Receivables Management / Agence de Recouvrement Action, holds an active debt collection licence issued by Consumer Protection BC. The table below shows the confirmed licence record as of February 2026.

BC requires a licence for any office that contacts BC residents, even if the office is outside the province. Action Collections has held this licence since August 2009.

Source: Consumer Protection BC – Check a licence

What to do if Action Collections calls you (step by step)

Step 1: Ask for written verification. Get the original creditor's name, the amount claimed, the date of last activity, and the account number. Don't confirm anything until you've reviewed everything in writing.

Step 2: Don't share personal details. No address, date of birth or banking information until you've confirmed the debt is yours.

Step 3: Check your own records. Pull your credit report from Equifax or TransUnion and compare it to what Action Collections sent you.

Step 4: Dispute the debt in writing if it's wrong. Keep copies of everything you send.

Step 5: Negotiate if the debt is correct. You can offer a lump sum for less than the full amount or arrange a payment plan. Get any agreement in writing before you pay.

Step 6: Talk to a Licensed Insolvency Trustee if the debt is real and you can't manage it. The first consultation is free.

If you want phone calls to stop while you work through these steps, send Action Collections a written request. This won't erase the debt or prevent legal action, but it stops the calls, depending on your province.

Source: Government of Canada (FCAC) – Dealing with a debt collector