Allied International Credit Corp (AIC)

What is Allied International Credit Corp (AIC)?

Allied International Credit Corp (AIC) is a debt collection agency that helps businesses recover unpaid debts. They operate in Canada with offices in Barrie, Ontario, and Montreal, Quebec, serving clients across multiple provinces.

They work with a variety of creditors, including telecommunications companies, banks, credit card companies, and utilities.

Many consumers report that AIC is persistent with phone calls but also willing to consider payment plans and settlements.

AIC offers online account management tools to check balances, make payments, and set up payment plans.

Why is Allied International Credit Corp (AIC) calling me?

If you've received a call, voicemail, or letter from Allied International Credit Corp (AIC), 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.

Allied International Credit Corp (AIC) collects for:

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

Is Allied International Credit Corp (AIC) a legitimate collection agency?

Yes, Allied International Credit Corp (AIC) is a legitimate debt collection agency and is legally authorized to operate across nearly every province and territory in Canada. They display their permit and licence numbers in the footer of their website.

Source: Allied International Credit Corp – Our Company

What to do if Allied International Credit Corp (AIC) 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 Allied International Credit Corp (AIC) 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, Allied International Credit Corp (AIC) 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

Once the limitation period expires, Allied International Credit Corp (AIC) 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.