Canaccede

What is Canaccede?

Canaccede is a debt collection agency that helps businesses recover unpaid debts. They operate in several Canadian provinces, including Ontario, Nova Scotia, Saskatchewan, Manitoba, and Alberta. Canaccede International Management Ltd. is a registered collection agency and a subsidiary of Canaccede Financial Group Ltd.

They collect debts mainly for financial institutions, with Scotiabank and BNS (Bank of Nova Scotia) mentioned multiple times as creditors. Many consumers report that Canaccede can be persistent with phone calls and may insist on full payment, sometimes making it difficult to settle for less.

Why is Canaccede calling me?

If you’ve received a call from Canaccede, 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.

Canaccede collects for:

• Scotiabank (Bank of Nova Scotia)
• Banks and financial institutions
• Telecommunications companies (phone, internet, cable)
• Government agencies
• Healthcare providers and hospitals
• Utilities (hydro, gas, water)
• Education and student loans
• Commercial businesses
• Credit card companies
• Retail stores

Is Canaccede a legitimate collection agency?

Yes, Canaccede is a legitimate debt collection agency. Canaccede International Management Ltd. is registered in Ontario, Nova Scotia, Saskatchewan, Manitoba, and Alberta. Their branches and employees 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 Canaccede 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 Canaccede 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.