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 in making phone calls to collect debts.
Contact Affinity Credit Solutions
Contact this debt collection agency to verify details, dispute the debt, or resolve your account.
Visit agency websiteWhy 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
Know a company Affinity Credit Solutions collects for?
Affinity Credit Solutions phone numbers
These numbers are commonly associated with Affinity Credit Solutions:
| Phone number | Type |
|---|---|
| Main | |
| General |
Got a call from a number not shown here?
If you receive a call from a different number claiming to be Affinity Credit Solutions, verify the debt in writing and confirm the details before paying.
Is Affinity Credit Solutions a legitimate collection agency?
Yes, Affinity Credit Solutions is a legitimate debt collection agency operating in Alberta and is 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.
Is Affinity Credit Solutions a licensed collection agency in Alberta?
Affinity Credit Solutions Inc. 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 |
|---|---|---|---|---|
| Affinity Credit Solutions Inc. | Affinity Credit Solutions | Edmonton, AB | Yes | Oct 31, 2026 |
Source: Service Alberta – Find out if a Business is Licenced (March 2026)
What to do if Affinity Credit Solutions 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 Affinity Credit Solutions 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 Affinity Credit Solutions 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 or a line of credit 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 collection agency like Affinity Credit Solutions 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, Affinity Credit Solutions can still sue you, but you can raise the expired limitation period as a defence. If you do, the court will dismiss the case.
Making a payment or acknowledging the debt in writing restarts the limitation period, but only if it hasn't already expired. If you're unsure whether a debt is still within the limitation period, get legal advice before making any payment.
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 Affinity Credit Solutions from calling
If you want phone calls to stop, send Affinity Credit Solutions 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
How to file a complaint about Affinity Credit Solutions
If Affinity Credit Solutions doesn'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.
You can also file a complaint through the Better Business Bureau (BBB).
Affinity Credit Solutions locations
Locations that Affinity Credit Solutions operate in:
Provinces served
Browse all collection agenciesLegal Name
Affinity Credit Solutions Inc.
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Joe launched CollectionAgencies.ca in 2025. 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.