ARM

What is ARM?

ARM is a debt collection agency that helps businesses recover unpaid debts. They operate across Canada's provinces and territories, with offices in Shawinigan and Ajax. ARM has been in business for 68 years.

ARM collects debts for clients across various sectors, including banks, government agencies, healthcare, utilities, student loans, commercial businesses, credit cards, retail stores, and telecommunications companies. They use a bailiff network for judgment management and debt recovery.

Many consumers report that ARM is persistent with phone calls and collection efforts.

Why is ARM calling me?

If ARM contacts you, it often means they're reaching out to help resolve an outstanding debt for a creditor. Remember, this initial contact is an opportunity to understand your situation and seek solutions.

If you're unsure why they are contacting you, kindly ask for written verification of the debt. Protect your personal information until you have confirmed the details.

Remember, you are entitled to clear information before making any decisions.

ARM 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 ARM a legitimate collection agency?

Yes, ARM is a legitimate and long-established debt collection agency. For your peace of mind, always ask for written verification before making payments, as there are rare cases of scammers impersonating agencies.

Your rights when a debt collection agency like ARM 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 ARM contacts you

1. Request written verification of the debt as your first step.
2. Don't acknowledge that you owe the debt or supply sensitive information until you've verified it.
3. If you want calls to stop, send the agency a written request to cease calling. Understand that this may not end legal procedures.
4. If you believe you do not owe the money, formally dispute the debt in writing and ask for supporting documents.
5. Consider speaking with a Licensed Insolvency Trustee for free advice.