At a glance ARM Collection Agency is one of Canada's longest-running collection agencies, in business since 1952. If they've contacted you, a creditor has referred your account for collection.
Don't confirm the debt or share personal details until you have written verification. Get it in writing first.
Provincial rules govern what ARM Collection Agency can and can't do. The rules on contact hours, call frequency and prohibited behaviour vary by province.
What is ARM Collection Agency?
ARM Collection Agency is a debt collection agency founded in 1952, making it one of the longest-running collection agencies in Canada. It operates nationally across all provinces and territories.
ARM Collection Agency Ltd. is the primary legal entity. In Ontario, the agency also operates through a related entity, AllianceOne Ltd. Both are registered under Ontario's Collection and Debt Settlement Services Act.
The head office is in Shawinigan, Québec, with an additional office in Ajax, Ontario.
ARM specializes in debt collection and accounts receivable management. It operates a bailiff network for judgment enforcement and debt recovery, and works on a no-collection, no-fee basis for certain services.
Source: ARM Collection Agency – About
Contact ARM Collection Agency
Contact this debt collection agency to verify details, dispute the debt, or resolve your account.
Visit agency websiteWhy is ARM Collection Agency calling me?
A creditor has passed your account to ARM Collection Agency for collection. That's the most common reason.
It could be a debt you recognize. It could also be something old, already settled, or not yours at all.
Don't confirm anything over the phone. Request written verification first, then check it against your own records.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Who does ARM Collection Agency collect for?
ARM Collection Agency collects for clients across multiple sectors, including telecommunications, banking, government, healthcare and utilities.
Industry | Examples |
|---|---|
Telecommunications | Telus (consumer-reported) |
Utilities | Hydro-Québec (consumer-reported) |
Toll / Transportation | A25 Toll Bridge, Montréal (consumer-reported) |
Banking | Banks and financial institutions |
Government | Government agencies |
Healthcare | Healthcare providers and hospitals |
Education | Student loan providers |
Retail | Retail stores and credit card companies |
Note: named companies are gathered from consumer reports and public records. They do not represent confirmed contractual relationships with ARM Collection Agency.
Companies that use ARM Collection Agency for debt collection
Reported by consumers
Know another company ARM Collection Agency collects for?
ARM Collection Agency phone numbers
These numbers are commonly associated with ARM Collection Agency:
| Phone number | Type |
|---|---|
| Main | |
| General | |
| General | |
| General | |
| General |
Got a call from a number not shown here?
If you receive a call from a different number claiming to be ARM Collection Agency, verify the debt in writing and confirm the details before paying.
Is ARM Collection Agency legitimate?
Yes. ARM Collection Agency is a legitimate, long-established debt collection agency. It has been operating since 1952 and is a member of the Receivables Management Association of Canada.
Always request written verification before making any payment. Scammers occasionally impersonate collection agencies.
Checking a provincial licence is one way to verify an agency is legitimate. The confirmed records for ARM Collection Agency are below. For more on how licensing works, see our guide to collection agency licensing.
Is ARM Collection Agency a licensed collection agency in Ontario?
AllianceOne Ltd., operating as ARM Collection Agency, is registered in Ontario as a collection agency under the Collection and Debt Settlement Services Act. The table below shows confirmed licence records as of March 2026.
| Legal Name | Location | Licence number | Status | Expiry |
|---|---|---|---|---|
| AllianceOne Ltd. | Toronto, ON | 4177598 | Issued | Jul 10, 2026 |
Source: Government of Ontario – Search for a business licence (March 2026)
Is ARM Collection Agency a licensed collection agency in Alberta?
ARM Collection Agency Ltd. 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 |
|---|---|---|---|---|
| ARM Collection Agency Ltd. | — | Calgary, AB | Yes | Jun 30, 2026 |
Source: Service Alberta – Find out if a Business is Licenced (March 2026)
Is ARM Collection Agency a licensed collection agency in Québec?
ARM Agence de Recouvrement Inc. is registered in Québec as a collection agency and operates under the Consumer Protection Act, with oversight from the Office de la protection du consommateur (OPC). The table below shows the confirmed licence record as of March 2026.
Legal name | Address | Permit number | Expiry |
|---|---|---|---|
ARM Agence de recouvrement Inc. | 985 rue Royale, 2e étage, Trois-Rivières, QC G9A 4H7 | 400299 | Sep 30, 2027 |
Source: Office de la protection du consommateur (March 2026)
Is ARM Collection Agency a licensed collection agency in British Columbia?
ARM Collection Agency Ltd. holds a debt collection licence in British Columbia issued by Consumer Protection BC.
Name | Licence number | Status | Expiry |
|---|---|---|---|
ARM Collection Agency Ltd. | 66467 | Issued | 2026-12-31 |
Source: Consumer Protection BC – Check a licence
All provinces and territories
ARM Collection Agency holds active collection agency licences across all Canadian jurisdictions.
Province / Territory | Permit number |
|---|---|
Prince Edward Island | 22664 |
Nova Scotia | 2025-1990892 |
New Brunswick | 22696 |
Newfoundland and Labrador | 14-15-AR097-1 |
Québec | 400299 |
Ontario | 4724562 |
Saskatchewan | 332631 |
Manitoba | 54764 |
Alberta | 339394 |
British Columbia | 66467 |
Yukon | 3630-06200 |
Northwest Territories | 26-014 |
Nunavut | 25-011 |
Source: ARM Collection Agency – Our Company
What to do if ARM Collection Agency 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 ARM Collection Agency 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 ARM Collection Agency 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 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 ARM Collection Agency can sue you for an unpaid debt. As of March 2026:
| 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, ARM Collection Agency can still sue you, but you can raise the expired limitation period as a defence. If you do, courts will typically dismiss the case.
Making a payment or acknowledging the debt in writing can restart the limitation period in some provinces. 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 ARM Collection Agency from calling
If you want phone calls to stop, send ARM Collection Agency 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 ARM Collection Agency
If ARM Collection Agency 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).
Accreditations
ARM Collection Agency locations
Locations that ARM Collection Agency operate in:
Provinces served
- Alberta
- British Columbia
- Manitoba
- New Brunswick
- Newfoundland and Labrador
- Northwest Territories
- Nova Scotia
- Nunavut
- Ontario
- Prince Edward Island
- Quebec
- Saskatchewan
- Yukon
Legal Name
ARM Collection Agency Ltd.
Also known as
ARM Agence De Recouvrement
ARM Investigation
Corporation ARM
Kolleco agence de recouvrement
Kolleco service de recouvrement
Lussier Agence de recouvrement
Lussier Collection Information
Common variations
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
A.R.M. Solutions
ARM Solutions
ARM Company
FAQs
In Ontario, ARM Collection Agency Ltd. and AllianceOne Ltd. are two separately registered entities that both operate under the ARM Collection Agency brand. If you receive correspondence from either name, the collector is ARM Collection Agency.
Not without going to court first. ARM Collection Agency would need to sue you, obtain a judgment and then seek enforcement. A phone call or letter is not a judgment. Until they have one, they can't touch your wages or bank account.
Write to ARM Collection Agency and ask for verification of the original creditor's name, the amount and the date of last activity. Pull your Equifax or TransUnion credit report and cross-check the details. If nothing matches, dispute it in writing.
ARM Collection Agency can contact someone else only to get your current address or phone number. They can't tell anyone else about your debt. Ask them to stop calling your workplace, and they must comply.
Source: Government of Canada (FCAC) – Debt collection: know your rights
No. Every province sets limits on when collection agencies can call.
Most allow contact Monday to Saturday between 7:00 AM and 9:00 PM.
Alberta permits calls until 10:00 PM. Ontario and Alberta allow Sunday calls between 1:00 PM and 5:00 PM. Québec bans Sunday calls entirely.
Statutory holidays are off-limits in every province.
Source: Government of Ontario – A guide for collection agencies
Six years from the date of last activity in most provinces. That clock runs whether you pay or not. Paying the debt doesn't remove it early, but it updates the status as paid.
Source: Government of Canada (FCAC) – How long information stays on your credit report
Yes. ARM Collection Agency can accept less than the full balance. Make an offer, get the agreed terms in writing before you pay anything, and confirm the written agreement states the remaining balance is forgiven and how the account will be reported to the credit bureaus.
Other collection agencies in Canada
I'm Joe Conlon, and I built CollectionAgencies.ca after struggling to find reliable information about collection agencies. I've been working in and around Canadian consumer finance since 2023. I'm not a lawyer, debt counsellor, or financial advisor. Everything on this site comes from provincial licensing records, legislation and publicly available data.