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.
Contact Action Collections & Receivables Management (ACRM)
Contact this debt collection agency to verify details, dispute the debt, or resolve your account.
Visit agency websiteWhy 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.
Industry | Consumer-reported examples |
|---|---|
Telecommunications | Telus |
Financial services | National Bank |
Automotive | Ford Credit |
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.
Companies that use Action Collections & Receivables Management (ACRM) for debt collection
Reported by consumers
Know another company Action Collections & Receivables Management (ACRM) collects for?
Action Collections & Receivables Management (ACRM) phone numbers
These numbers are commonly associated with Action Collections & Receivables Management (ACRM):
| Phone number | Type |
|---|---|
| Main | |
| General | |
| General | |
| General | |
| General |
Got a call from a number not shown here?
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.
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 Ontario?
852515 Ontario Limited, operating as Action Collections & Receivables Management (ACRM), is registered in Ontario as a collection agency under the Collection and Debt Settlement Services Act. The table below shows confirmed licence records as of March 2026.
| Legal Name | Location | Licence number | Status | Expiry |
|---|---|---|---|---|
| 852515 Ontario Limited | Toronto, ON | 3137477 | Issued | Nov 7, 2027 |
Source: Government of Ontario – Search for a business licence (March 2026)
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 March 2026.
| Business Name | Trading As | Location | Bonded | Expiry |
|---|---|---|---|---|
| 852515 Ontario Limited | Action Collections AND Receivables Management | Sherwood Park, AB | Yes | Jan 31, 2027 |
Source: Service Alberta – Find out if a Business is Licenced (March 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.
Legal Name | Location | Permit number |
|---|---|---|
852515 ONTARIO LIMITED | Montréal, QC | 400401 |
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.
Licence number | Business name | Address | Expiry |
|---|---|---|---|
49295 | 852515 Ontario Limited | 716 Gordon Baker Rd, Suite 212, Toronto, ON | 2026-12-31 |
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 & Receivables Management (ACRM) 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 & Receivables Management (ACRM) 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: Pay by a traceable method. Collection agencies like Action Collections & Receivables Management (ACRM) typically accept online banking, Interac e-Transfer, credit or debit card through their website, or in person at a bank branch. Always get a receipt.
Step 7: Talk to a Licensed Insolvency Trustee or non-profit credit counselling service if you owe the debt and can't pay.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Only consider a loan if you can comfortably afford the repayments. If you're unsure what to do, speak to a non-profit credit counsellor or a Licensed Insolvency Trustee first.
What if the debt is old?
Every province has a time limit on how long a creditor like Action Collections can sue you. In Ontario, BC, Alberta, Saskatchewan, New Brunswick, and Nova Scotia, it's 2 years. In Quebec, it's 3 years.
In Manitoba, Newfoundland and Labrador, PEI, and the territories, it's 6 years.
Once the limitation period expires, Action Collections can still contact you, but cannot take you to court. Making a payment or acknowledging the debt in writing restarts the clock.
For a full provincial breakdown, see our guide to debt statute of limitations.
How to stop Action Collections & Receivables Management (ACRM) from calling
If you want phone calls to stop, send Action Collections & Receivables Management (ACRM) a written request. It won't erase the debt or prevent legal action, but it stops repeated calls, depending on your province.
Copy and paste this template:
Hello,
I request that you stop contacting me by phone regarding this account and communicate with me only in writing.
Please send written verification of the debt, including:
- The original creditor name
- The amount claimed
- A breakdown of principal, interest and fees
- The account reference number
- The date of last activity on the account
Do not contact me at my workplace.
Thank you,
[Your full name]
[Your mailing address or email]
[Your phone number (optional)]
[Date]
Note: Check your province's rules for any requirements to stop contact.
Source: Government of Canada (FCAC) - Dealing with a debt collector
Accreditations
Action Collections & Receivables Management (ACRM) locations
Locations that Action Collections & Receivables Management (ACRM) operate in:
Provinces served
- Alberta
- British Columbia
- Manitoba
- New Brunswick
- Newfoundland and Labrador
- Northwest Territories
- Nova Scotia
- Nunavut
- Ontario
- Prince Edward Island
- Quebec
- Saskatchewan
- Yukon
Also known as
ACRM
ACRM Collections Agency
852515 Ontario Limited
Agence de Recouvrement Action
Common variations
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
ACRM Services
ACRM Collection Agency
Action Collection Agency
How to file a complaint about Action Collections & Receivables Management
If Action Collections & Receivables Management don't follow the debt collection rules, contact the consumer protection authority in your province.
Before filing, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters, or texts.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
FAQs
Ask Action Collections for written verification before doing anything else. The verification letter should include the original creditor's name, the amount owed, and the account number.
If you still don't recognize the debt after reviewing the details, dispute it in writing and pull your credit report from Equifax or TransUnion to check for errors.
Not without a court order. Action Collections would have to sue you, win a judgment, and then apply for a garnishment order. If you're contacted about a wage garnishment without any court involvement, that's a violation of debt collection rules.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Six years. A collection account stays on your Equifax credit report for six years from the date of first delinquency on the account.
Paying the collection doesn't remove it early, but it updates the status to paid and may lessen the impact on your score over time.
Source: Equifax Canada – How long does information stay on my credit report?
Yes. Most collection agencies accept less than the full amount if you can pay a lump sum. Consumer reports suggest ACRM is willing to negotiate.
Get any settlement agreement in writing before you pay. Make sure the agreement states the amount, the payment terms, and that the debt will be reported to the credit bureaus as settled or paid in full.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Other collection agencies in Canada
I'm Joe Conlon, and I built CollectionAgencies.ca after struggling to find reliable information about collection agencies. I've been working in and around Canadian consumer finance since 2023. I'm not a lawyer, debt counsellor, or financial advisor. Everything on this site comes from provincial licensing records, legislation and publicly available data.