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 to them 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
1-866-321-7168
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
Submitted by consumers. We try to verify these reports but cannot always confirm them.
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 | |
| Local Office | |
| User Reported | |
| User Reported | |
| User Reported |
Some numbers are submitted by users. We call to verify each one and recheck periodically, but numbers can change.
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.
Will ARM Collection Agency affect my credit score?
A collection account from ARM Collection Agency will severely damage your credit score once it's reported to Equifax or TransUnion.
It stays on your credit report for 6 years from the date of your first missed payment. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Check your own report to see whether ARM Collection Agency has reported the account and whether the information is correct.
What to do if ARM Collection Agency 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 the agency 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. The agency 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: Talk to a Licensed Insolvency Trustee or non-profit credit counselling service if you can't pay.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Not in Ontario, Alberta, BC, Nunavut or the NWT? Find a trustee in your province
All provinces and territories
ARM Collection Agency displays the following collection agency licences on its website:
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 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.
| 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 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.
How to stop calls from ARM Collection Agency
Send ARM Collection Agency a cease and desist letter. Once they receive it, they have to stop phoning. The debt doesn't go away, and they can still take legal action.
Use our cease and desist letter templates
Provincial law doesn't give you this right in Manitoba, Saskatchewan, Newfoundland and Labrador, Prince Edward Island or the Yukon.
However, if the debt's on a loan, line of credit, or credit card, send the letter by registered mail under federal law. If ARM Collection Agency is physically based in Ontario, use Ontario's law instead.
Read more: How to stop collection calls in Canada.
How to file a complaint about ARM Collection Agency
If you think that ARM Collection Agency is breaking any 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.
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
Joe launched CollectionAgencies.ca in 2025. He has worked in Canadian personal finance since 2023. He maintains the directory, researches collection agencies across Canada and manages the site's editorial content. Agency listings are sourced from provincial licensing records and legislation.