ARM

What is ARM?

ARM is a debt collection agency that helps businesses recover unpaid debts. They operate across Canada’s 10 provinces and 3 territories, with offices in Shawinigan and Ajax. ARM has been in business for 68 years.

They collect debts for a wide range of clients, including telecommunications companies, banks, government agencies, healthcare providers, utilities, education and student loans, commercial businesses, credit card companies, and retail stores. They have a network of bailiffs to assist with judgment management and debt recovery.

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

Why is ARM calling me?

If you’ve received a call from ARM, 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.

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 debt collection agency established over 60 years ago. They operate legally across Canada and maintain certifications related to information security. However, scammers sometimes impersonate collection agencies, so always verify any debt in writing before paying.

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. 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.