At a glance Action Collections & Receivables Management (ACRM) is a legitimate, third-party debt collection agency operating across Canada since 1998. Headquartered in North York, Ontario, they specialize in recovering unpaid debts for financial institutions, telecoms and retailers.
If the agency contacts you, a creditor has passed your account to them for collection. Get written proof that you owe the debt before you pay or share personal information.
If the amount looks wrong or you don't recognize the debt, dispute it in writing. If the agency calls outside allowed hours, harasses you, or breaks any other rule, complain to your provincial regulator.
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.
Contact Action Collections & Receivables Management (ACRM)
1-877-503-9633
Contact this debt collection agency to verify details, dispute the debt or resolve your account.
Visit agency websiteWhy 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
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.
Industry | Consumer-reported creditors |
|---|---|
Banking and credit cards | National Bank, BMO, PC Financial |
Telecommunications | Telus, Rogers Communications, Shaw |
Lending | Money Mart, LendCare |
Automotive | Ford Credit |
Retail | Sears, Best Buy |
Utilities | Synergy North |
Gym memberships | Anytime Fitness |
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 & Receivables Management (852515 Ontario Limited).
Companies that use Action Collections & Receivables Management (ACRM) for debt collection
Submitted by consumers. We try to verify these reports but cannot always confirm them.
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 | |
| 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.
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 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
Check your own report to see whether Action Collections & Receivables Management (ACRM) has reported the account and whether the information is correct.
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, amount, account number and the date of last activity. Don't confirm anything until you've reviewed it 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 credit report to see what Action Collections & Receivables Management (ACRM) has reported about you. Get your free credit score and report with Borrowell.
Step 4: Dispute the debt in writing if it's wrong. Keep copies of everything you send.
Step 5: Check the statute of limitations in your province before you pay or acknowledge the debt in writing.
Step 6: Settle if the debt is correct. Sometimes, Action Collections & Receivables Management (ACRM) might accept a one-time lump sum for less than the full balance. Get any agreement in writing before you pay.
Step 7: Pay by a traceable method like online banking, e-Transfer, or card. Get a receipt.
Step 8: Get help if you can't pay. Talk to a Licensed Insolvency Trustee or non-profit credit counsellor.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Not in Ontario, Alberta, BC, Nunavut or the NWT? Find a trustee in your province
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.
| Province / Territory | Limitation period |
|---|---|
| Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia | 2 years |
| Quebec | 3 years |
| Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon | 6 years |
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
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 Canada
ACRM Services
ACRM Collection Agency
FAQs
ACRM called but I don't recognize the debt. Is it a scam?
Not necessarily. ACRM is a real, licensed collection agency, so a call isn't automatically a scam, though scammers do impersonate real agencies.
Ask for written verification of the creditor, amount, account number and date of last activity before you pay, then check it against your records.
Pull your credit report to see if it appears there. You can access your free credit score and report with Borrowell.
If you still don't recognize the debt after checking those details, dispute it in writing with ACRM.
It's likely a scam if the caller demands gift cards or crypto, threatens arrest, or won't put anything in writing. Call ACRM back on a number from this page, not the one that called you.
Can ACRM garnish my wages or freeze my bank account?
Not without a court order. ACRM would have to sue you, win a judgment, then apply for a garnishment order. If they claim they can garnish your wages without going to court, that's a misrepresentation and breaks the rules.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Can ACRM take me to court?
Yes, a collection agency can take you to court, but whether they do depends on a number of factors, including your financial situation, the balance and the creditor's instructions.
Can ACRM contact my employer, family or friends?
ACRM can contact your employer, family or friends to confirm your contact details, but they can't discuss your debt with them. In Ontario, they can contact your employer once to confirm you work there.
Can ACRM call me at any time?
ACRM can only call during specific hours that vary depending on the province in which you live.
In Ontario, collection agencies can call between 7 a.m. and 9 p.m. Monday to Saturday, and 1 p.m. to 5 p.m. on Sundays, with none on statutory holidays. In Alberta, the window is 7 a.m. to 10 p.m. any day.
Sources: Government of Ontario – Stop collection agency calls. Government of Alberta – Collection and Debt Repayment Practices Regulation, s.12(1)(g)
How long does an ACRM account stay on my credit report?
Collections stay on your credit report for six years, starting from the date of first delinquency. Paying it updates the status to paid, but doesn't remove it early.
Source: Equifax Canada – How long does information stay on my credit report?
What if ACRM is calling about a debt that doesn't appear on my credit report?
A debt missing from your credit report doesn't mean it isn't yours. Some debts never get reported. Others drop off six years after you first missed a payment.
Ask Action Collections for written verification. The letter should name the original creditor, the account number, and the date of last activity. Check it against your own records before you pay.
Source: Equifax Canada – How long does information stay on my credit report?
Can I negotiate a settlement with ACRM?
Often yes. If ACRM is collecting on behalf of a creditor-client, it will need to obtain the creditor’s approval before it can agree to any settlement in which you can pay less than 100 percent of the current outstanding balance. Get the agreement in writing before you pay, stating the amount, the payment terms, and that the account will be reported as settled or paid.
What happens if I ignore ACRM?
Ignoring ACRM doesn't make the debt disappear. The account can be reported to the credit bureaus. They might also take you to court in an attempt to get a judgment against you. That judgment lets the collection agency garnishee your wages or your bank account, or place a lien on your home.
How do I pay ACRM?
Call Action Collections on 1-877-503-9633 or visit their website.
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Joe launched CollectionAgencies.ca in 2025. He has worked in Canadian personal finance since 2023. He maintains the directory, researches collection agencies across Canada and manages the site's editorial content. Agency listings are sourced from provincial licensing records and legislation.
Mark spent 12 years as a collection lawyer for some of Canada's largest collection agencies before switching sides to help consumers. He's the author of The Wolf At The Door: What To Do When Collection Agencies Come Calling, published by McClelland & Stewart, and has appeared on CBC National News, Global National News, and CBC's Marketplace. See full bio