ARM Collection Agency

Does ARM use aggressive or persistent debt collection tactics?

Many consumers report that ARM is persistent in making phone calls and may attempt to send letters by mail or email.

ARM states that it promotes a mediation-based approach, prioritizing understanding of your situation to recover the money owed without damaging the relationship with the person who owes the debt.

ARM may use advanced tools, such as predictive analytics, to assess whether a person can and will pay, thereby helping it recover as much money as possible.

Why is ARM Collection Agency calling me?

If ARM Collection Agency contacts you, you may owe money to a creditor it represents.

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) such as Hydro-Quebec
• The A25 Toll Bridge in Montreal
• 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.

ARM operate in all Canadian provinces and territories under the following permit numbers:

• Prince Edward Island: Permit Number 22664
• Nova Scotia: Permit Number 2025-1990892
• New Brunswick: Permit Number 22696
• Newfoundland and Labrador: Permit Number 14-15-AR097-1
• Quebec: Permit Number 400299
• Ontario: Permit Number 4724562
• Saskatchewan: Permit Number 332631
• Manitoba: Permit Number 54764
• Alberta: Permit Number 339394
• British Columbia: Permit Number 66467
• Yukon: Permit Number 3630-06200
• Northwest Territories: Permit Number 26-014
• Nunavut: Permit Number 25-011

Your rights when a debt collection agency like ARM contacts you

ARM's collection agency may not call during restricted hours or use threatening language.

ARM and the debt collection industry as a whole must adhere to strict consumer protection laws that vary by province in Canada.

Debt collectors and collection agencies must follow a code of conduct outlining what they can and cannot do:

Your rights under Canadian law

• Every time a debt collector contacts you, they must identify themselves.
• A debt collector may contact you only at specific times and may not contact you on holidays.
• 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.
• A debt collector can contact your friends, employer, relatives or neighbours only to get your telephone number or address.

What to do if your rights are violated

• If you feel that the debt collector you're dealing with isn't respecting your rights, you can contact the appropriate regulator to report an issue or file a complaint.

How to respond to ARM collection agency

1. Request written verification of the debt as your first step.
2. Reviewing your bills and bank statements can help confirm if the debt is yours and if the amount is correct.
3. Don't acknowledge that you owe the debt or supply sensitive information until you've verified it.
4. If you want calls to stop, send the agency a written request to cease calling. Understand that this may not end legal procedures.
5. You can ask the collection agency to contact you only in writing if you dispute the debt.
6. If you believe the debt is someone else's or that they made an error, notify them and check your credit report for any errors.
7. You should keep records of all communications with the collection agency when disputing a debt.
8. Consider speaking with a Licensed Insolvency Trustee for free advice.

What are the opening hours of ARM collection agency?

ARM's opening hours are Monday to Thursday from 8 a.m. to 8 p.m. and Friday from 8 a.m. to 5 p.m.

Can a debt collector like ARM impact my credit score?

ARM collection agencies often report debts to credit bureaus, which can negatively affect your credit.

If you receive a notice that your creditor plans to send your debt to a collection agency, contact your creditor immediately to avoid damaging your credit score.

What will happen if I refuse to pay?

ARM can enforce court judgments, including wage garnishment or asset seizures, if amicable efforts fail.