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 like Calgary, Edmonton, Red Deer, Lethbridge, Fort McMurray, and 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. They are a wholly Alberta-owned company. Their employees and branches are licensed with provincial governing ministries. However, scammers sometimes impersonate collection agencies, so always verify any debt in writing before paying.

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 (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.
• Ask for written proof before answering questions, providing personal information, or paying anything.
• 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 acknowledge that you owe the debt or supply sensitive information until you've verified 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 money, dispute the debt and ask for written proof.
5. Consider speaking with a Licensed Insolvency Trustee for free advice.