Affinity Credit Solutions

What is Affinity Credit Solutions?

Affinity Credit Solutions is a debt collection agency that helps businesses recover unpaid debts.

They operate exclusively in Alberta, serving cities such as Calgary, Edmonton, Red Deer, Lethbridge, and Fort McMurray, as well as other communities across the province. The agency focuses on commercial, consumer, and tenant collections.

They work with a variety of creditors, including landlords and businesses in Alberta. Many consumers report that Affinity Credit Solutions is persistent with phone calls when collecting debts.

Why is Affinity Credit Solutions calling me?

If you've received a call from Affinity Credit Solutions, 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.

Affinity Credit Solutions collects for:

• Landlords and residential rental associations
• 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 Affinity Credit Solutions a legitimate collection agency?

Yes, Affinity Credit Solutions is a legitimate debt collection agency operating in Alberta and are required to follow the Collection and Debt Repayment Practices Regulation.

To be safe, always confirm any debt in writing before making a payment, as scammers may impersonate collection agencies.

Your rights when a debt collection agency like Affinity Credit Solutions 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 (exact times vary by province).
• They cannot make false or misleading statements to collect a debt.
• Debt collectors are not allowed to harass, threaten, or intimidate you. They must avoid using threatening, profane, intimidating, or coercive language.
• Debt collectors may not exert undue, excessive, or unreasonable pressure.
• Request written proof before answering questions, sharing personal details, or making any payments.
• 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 Affinity Credit Solutions contacts you

1. Ask for written verification of the debt.
2. Don't admit to owing the debt or share sensitive information until you've confirmed it.
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 the money, dispute the debt and request written proof.
5. Consider speaking with a Licensed Insolvency Trustee for free advice.