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, such as Scotiabank. 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.
Contact Canaccede
1-888-316-2369
Contact this debt collection agency to verify details, dispute the debt or resolve your account.
Visit agency websiteWhy 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.
Who does Canaccede collect for?
- Scotiabank (Bank of Nova Scotia)
- MBNA
- 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
Companies that use Canaccede for debt collection
Submitted by consumers. We try to verify these reports but cannot always confirm them.
Know another company Canaccede collects for?
Canaccede phone numbers
These numbers are commonly associated with Canaccede:
| Phone number | Type |
|---|---|
| Main | |
| 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 Canaccede, verify the debt in writing and confirm the details before paying.
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. However, scammers sometimes impersonate collection agencies, so always verify any debt in writing before paying.
Will Canaccede affect my credit score?
A collection account from Canaccede 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 Canaccede has reported the account and whether the information is correct.
What to do if Canaccede 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
What if the debt is old?
Every province has a time limit on how long a collection agency like Canaccede 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, Canaccede 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 Canaccede
Send Canaccede 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 Canaccede 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 Canaccede
If you think that Canaccede 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
Canaccede locations
Locations that Canaccede 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
Canaccede International Management Ltd.
Also known as
Canaccede Financial Group
CFG
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.