What is Action Collections & Receivables Management (ACRM)?
Action Collections & Receivables Management (ACRM) is a third-party collection agency based in Toronto, Ontario, with a second office in Montreal.
The business has been in operation since 1998 and is registered as 852515 Ontario Limited. In Quebec, they trade as Agence de Recouvrement Action.
Their clients are businesses across Canada, including banks, telecoms providers, lenders and retailers.
Why is ACRM calling me?
A call, letter or voicemail from ACRM usually means a creditor has placed your account with them for collection because you owe them money.
Sometimes the debt is genuine. However, sometimes it might be old, already settled or belong to someone else entirely.
Don't confirm anything over the phone. Ask for written verification first, including the creditor, the amount, the account number, and the date of last activity.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Action Collections & Receivables Management (ACRM) phone numbers
We called each of these numbers to confirm it reaches Action Collections & Receivables Management (ACRM). Select a number to see call reports and what to do if they contact you.
| Phone number | Type |
|---|---|
| Main | |
| Local Office | |
| Local Office | |
| User Reported | |
| User Reported |
Some numbers are submitted by users. We call to verify each one and recheck periodically, but numbers can change.
If you receive a call from a different number claiming to be Action Collections & Receivables Management (ACRM), verify the debt in writing and confirm the details before paying.
Who does ACRM collect for?
Consumers report being contacted by ACRM about debts from the companies below. Telecom, banking and retail accounts come up frequently.
Consumer reports link Action Collections & Receivables Management (ACRM) to 16 creditors, most often in banking, retail and telecom.
| Industry | Consumer-reported creditors |
|---|---|
| Telecommunications | |
| Banking & Financial Services | |
| Utilities | |
| Government & Municipal | |
| Automotive | |
| Retail |
Know another company Action Collections & Receivables Management (ACRM) collects for?
Is ACRM a legitimate collection agency?
Yes. Action Collections & Receivables Management is a legitimate, licensed and bonded collection agency that has operated in Canada since 1998.
They're a member of the Canadian Society of Collection Agencies and the Receivables Management Association of Canada.
Scammers do impersonate real agencies, so check the sender before you pay anything. Use the agency's contact details on this page or on their website rather than trusting a phone call or email you've received.
Will Action Collections & Receivables Management (ACRM) affect my credit score?
A collection account from Action Collections & Receivables Management (ACRM) will severely damage your credit score once it's reported to Equifax or TransUnion.
It stays on your credit report for 6 years from the date of your first missed payment, known as the date of first delinquency. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Source: Equifax Canada – How long does information stay on my credit report
What to do if Action Collections & Receivables Management (ACRM) calls you (step by step)
What if the debt is old?
Every province has a time limit on how long a collection agency like Action Collections & Receivables Management (ACRM) can sue you for an unpaid debt.
Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia
Quebec
Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon
Once the limitation period expires, Action Collections & Receivables Management (ACRM) can still sue you, but you can raise the expired limitation period as a complete defence. The defence isn't automatic. You have to file a defence in court and plead the expired limitation period. If you don't, the court will grant default judgment as if the limitation didn't apply.
Making a payment or acknowledging the debt in writing restarts the limitation period, but only if it hasn't already expired.
These limitation periods apply to most consumer debts like credit cards, lines of credit, and personal loans. Different rules may apply to government debts, court judgments, or secured debts like mortgages.
For more information, read our guide about debt statute of limitations.
How to stop calls from Action Collections & Receivables Management (ACRM)
Sometimes, you can stop collection calls from a collection agency by sending a cease and desist letter. Once Action Collections & Receivables Management (ACRM) receive it, they have to stop calling. The debt doesn't go away, and they can still take legal action. You can use our cease and desist letter templates.
Provincial law doesn't give you this right in Manitoba, Saskatchewan, Newfoundland and Labrador, Prince Edward Island or the Yukon.
Regardless of province, if the debt's on a loan, line of credit, or credit card, send the letter by registered mail under federal law. Federal law is the only law in Canada that also stops an original creditor's in-house collectors, not just a collection agency. You can send it to your original creditor and its collection agent, a collection agency or a law firm.
If Action Collections & Receivables Management (ACRM) is making collection calls to you from its Ontario location, then you can send a cease and desist letter available under Ontario's law.
Restrictions on calls to your workplace
Many provinces and territories place restrictions on collection agencies when they attempt to call you at your workplace.
How to file a complaint about Action Collections & Receivables Management (ACRM)
In Canada, debt collection is regulated province by province, not federally. The rules ban harassment, calling outside set hours, discussing your debt with your family or employer, and threatening legal action they have no intention of taking.
Source: Government of Canada (FCAC) – Debt collection: know your rights
If you think Action Collections & Receivables Management (ACRM) is breaking any debt collection or privacy laws, contact the consumer protection authority in your province.
Before making a written complaint, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
Some consumer protection agencies regulating the conduct of collection agencies will not process your complaint unless you first send a written complaint to the collection agency summarizing the conduct in question and making a request for remedial action.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
Accreditations
ACRM
ACRM Collections Agency
852515 Ontario Limited
Agence de Recouvrement Action
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
ACRM Canada
ACRM Services
ACRM Collection Agency
