C3 Canada

What is C3 Canada?

C3 Canada is a debt collection agency that helps businesses recover unpaid debts. They use technology-driven methods to improve how they manage accounts receivable. The company has been around since 2006, originally starting as A-1 Credit Recovery & Collection Services Inc.

They operate across Canada with offices in Edmonton, Toronto, and Laval. Many consumers report that C3 Canada is persistent with phone calls but also willing to negotiate in some cases.

Why is C3 Canada calling me?

If you’ve received a call from C3 Canada, they’re probably 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.

C3 Canada 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 C3 Canada a legitimate collection agency?

Yes, C3 Canada is a legitimate debt collection agency established in 2006. Their employees and branches are licensed with provincial governing ministries. However, scammers sometimes impersonate collection agencies, so always verify any debt in writing before paying.

Your rights when a debt collection agency like C3 Canada 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 C3 Canada 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.