At a glance Canadian Credit Corporation (CCC) is a legitimate third-party collection agency with its head office in Toronto, Ontario and an office in Montreal, Quebec.
A call or letter from CCC means a creditor has placed your account with them for collection. Ask for written proof of the debt before you pay anything or hand over personal details.
Dispute the debt in writing if you don't recognize it or the amount looks incorrect. File a complaint with your provincial consumer protection office if CCC calls outside legal hours or harasses you.
What is Canadian Credit Corporation?
Canadian Credit Corporation (CCC) is a collection agency that recovers delinquent accounts for creditors. Founded in 1997, the head office is in Toronto, Ontario, with an office in Montreal, Quebec.
CCC runs letter programs, final notices, early-stage collection programs and traditional third-party collections for corporations, organizations and institutions.
Source: Canadian Credit Corporation, LinkedIn
Contact Canadian Credit Corporation (CCC)
1-877-695-2500
Contact this debt collection agency to verify details, dispute the debt or resolve your account.
Visit agency websiteWhy is Canadian Credit Corporation calling me?
Canadian Credit Corporation (CCC) calls when a creditor has placed your unpaid account with them for collection.
Some CCC contact comes through early-stage programs run in the creditor's own name. A final notice from your creditor is sometimes CCC's work, sent before the account is sent to collections.
Most calls are legitimate, but sometimes the debt is one you already paid, forgot about, or never owed in the first place. Mistakes and scams are less common but can still occur.
Ask CCC for written verification before you confirm personal details or acknowledge the debt. Written verification covers the creditor's name, the amount owing, the account number and the date of last activity.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Who does Canadian Credit Corporation collect for?
Canadian Credit Corporation collects unpaid accounts on behalf of credit departments, the teams within companies that handle billing and overdue customers.
CCC also assists creditors with bankruptcy administration. When a customer goes bankrupt, the creditor files a claim to recover part of what's owed, and CCC helps with that process.
Know a company Canadian Credit Corporation (CCC) collects for?
Canadian Credit Corporation (CCC) phone numbers
These numbers are commonly associated with Canadian Credit Corporation (CCC):
| Phone number | Type |
|---|---|
| Main | |
| Local Office | |
| Local Office | |
| 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 Canadian Credit Corporation (CCC), verify the debt in writing and confirm the details before paying.
Is Canadian Credit Corporation a legitimate collection agency?
Yes. Canadian Credit Corporation is a legitimate Canadian collection agency.
The company publicly lists its Toronto head office, its Montreal office and a toll-free number.
Will Canadian Credit Corporation (CCC) affect my credit score?
A collection account from Canadian Credit Corporation (CCC) 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, known as the date of first delinquency. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Source: Equifax Canada – How long does information stay on my credit report
Check your own report to see whether Canadian Credit Corporation (CCC) has reported the account and whether the information is correct.
What to do if Canadian Credit Corporation (CCC) 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 Canadian Credit Corporation (CCC) 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. Sometimes, Canadian Credit Corporation (CCC) 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: Get help if you can't pay. Talk to a Licensed Insolvency Trustee or non-profit credit counsellor.
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
Scammers impersonate real collection agencies. Check any call or letter against the details on this page or the official website at canadiancredit.ca before you pay anyone.
What if the debt is old?
Every province has a time limit on how long a collection agency like Canadian Credit Corporation (CCC) 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, Canadian Credit Corporation (CCC) 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 Canadian Credit Corporation (CCC)
Sometimes, you can stop collection calls from a collection agency by sending a cease and desist letter. Once Canadian Credit Corporation (CCC) receive it, they have to stop calling. The debt doesn't go away, and they can still take legal action. You can 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.
Regardless of province, if the debt's on a loan, line of credit, or credit card, send the letter by registered mail under federal law. Federal law is the only law in Canada that also stops an original creditor's in-house collectors, not just a collection agency. You can send it to your original creditor and its collection agent, a collection agency or a law firm.
If Canadian Credit Corporation (CCC) is making collection calls to you from its Ontario location, then you can send a cease and desist letter available under Ontario's law.
Restrictions on calls to your workplace
Many provinces and territories place restrictions on collection agencies when they attempt to call you at your workplace.
How to file a complaint about Canadian Credit Corporation (CCC)
In Canada, debt collection is regulated province by province, not federally. The rules ban harassment, calling outside set hours, discussing your debt with your family or employer, and threatening legal action they have no intention of taking.
Source: Government of Canada (FCAC) – Debt collection: know your rights
If you think Canadian Credit Corporation (CCC) is breaking any debt collection or privacy laws, contact the consumer protection authority in your province.
Before making a written complaint, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
Some consumer protection agencies regulating the conduct of collection agencies will not process your complaint unless you first send a written complaint to the collection agency summarizing the conduct in question and making a request for remedial action.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
Canadian Credit Corporation (CCC) locations
Locations that Canadian Credit Corporation (CCC) 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
Canadian Credit Corporation
Also known as
CCC
FAQs
Is Canadian Credit Corporation the same as CCC?
Yes. CCC is the abbreviation for Canadian Credit Corporation. The company's website is canadiancredit.ca. Both names refer to the same collection agency, headquartered in Toronto, Ontario.
Is Canadian Credit Corporation a bank or a credit bureau?
Neither. The name sounds like a lender, but Canadian Credit Corporation is a collection agency. It doesn't issue loans or credit cards, nor is it a credit bureau like Equifax or TransUnion.
Why is Canadian Credit Corporation calling my business?
A call to your business usually means a supplier or service provider has sent an unpaid invoice to CCC. Commercial collections were the company's original business, and it still recovers business-to-business debts. Before your business pays anything, ask for the invoice details in writing.
Is Canadian Credit Corporation government or private?
Canadian Credit Corporation is a privately owned Canadian company. It's not a government department. However, government bodies do hire CCC to recover money owed to them.
Can Canadian Credit Corporation call me at any time?
No. Each province sets its own calling hours. Ontario allows collection calls from 7 a.m. to 9 p.m. Monday to Saturday and 1 p.m. to 5 p.m. on Sundays, with no calls on statutory holidays. Quebec allows calls from 8 a.m. to 8 p.m. Monday to Saturday only, and the first contact must be in writing, not by phone.
Sources: Government of Ontario – Stop collection agency calls and Éducaloi – Debt Collection Agencies
What if I don't recognize the debt Canadian Credit Corporation is collecting?
Request written verification from Canadian Credit Corporation before admitting to anything. The debt is often real, but verify it with the original creditor.
Check your credit report to see whether the account shows up. You can access your free credit score and report with Borrowell. Dispute the debt in writing if you think it's incorrect.
Can Canadian Credit Corporation garnish my wages or freeze my bank account?
No. Wage garnishment requires a court judgment first. This means the creditor must sue you and win before anyone can access your wages or bank account. A letter or phone call from Canadian Credit Corporation carries no legal force on its own.
Can Canadian Credit Corporation contact my family or employer?
Collection agencies can contact third parties to locate you, but they cannot discuss your debt with anyone else. Several provinces have laws restricting collection agencies' calls to a consumer's workplace.
Source: Government of Canada (FCAC) - Debt collection: know your rights
Will Canadian Credit Corporation accept less than the full balance?
You can sometimes pay a one-time lump sum less than what you owe. Whether your offer is accepted depends on the original creditor. Get any settlement agreement in writing and keep proof of payment.
What happens if I ignore Canadian Credit Corporation?
The debt remains. Canadian Credit Corporation reports unpaid accounts to credit bureaus, which can damage your credit score. The creditor is able to sue you. Speak with a Licensed Insolvency Trustee or a non-profit credit counselling service if you cannot pay and need free advice.
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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.