Advanced Collection Services

What is Advanced Collection Services?

Advanced Collection Services is a debt collection agency that helps businesses recover unpaid debts.

They operate across the whole of Canada, including British Columbia, Alberta, Ontario, Quebec and the Territories.

They collect debts for a variety of creditors, including telecommunications companies, banks, government agencies, healthcare providers, utilities, education, commercial businesses, credit card companies, and retail stores.

Many consumers report that Advanced Collection Services is persistent in its efforts to recover debts.

Why is Advanced Collection Services calling me?

If you've received a call from Advanced Collection Services, it usually means they're trying to recover an unpaid debt on behalf of a creditor.

If you're unsure why they're calling, ask for written verification of the debt before sharing any personal information or making a payment.

Advanced Collection Services collects for:

• Telecommunications companies (phone, internet, cable)
• Banks and financial institutions
• Government agencies
• Healthcare providers and hospitals
• Utilities (hydro, gas, water)
• Education and student loans
• Commercial businesses
• Credit card companies
• Retail stores

Is Advanced Collection Services a legitimate collection agency?

Yes, Advanced Collection Services is a legitimate debt collection agency established in 1992. Advanced Collection Services is a BBB Accredited Business. The collection agency must maintain a licence in each province where it operates.

It's common for scammers to impersonate collection agencies, so always verify any debt in writing before paying.

Your rights when a debt collection agency like Advanced Collection Services contacts you

Debt collectors and collection agencies must follow a code of conduct outlining what they can and cannot do:

• Every time a debt collector contacts you, they must identify themselves.
• Debt collectors can only contact you during specified hours, usually between 7 AM and 9 PM (but exact times depend on your province)
• They cannot make false or misleading representations to collect a debt.
• Debt collectors may not harass, threaten or intimidate you.
• Debt collectors may not use threatening, profane, intimidating or coercive language.
• Debt collectors may not apply undue, excessive or unreasonable pressure.
• A debt collector can't contact you at work once you've told them not to.

What to do if a debt collection agency like Advanced Collection Services contacts you

1. Ask for written verification of the debt.
2. Ask for written proof before acknowledging the debt, answering questions, supplying any information or paying.
3. If you want the phone calls to stop, you can request in writing that the collection agency stop calling, but this won't prevent further legal action.
4. If you don't think you owe money, dispute the debt and ask for written proof.
5. Consider speaking with a Licensed Insolvency Trustee for free advice.