Canadian Express Collection Agency

What is Canadian Express Collection Agency?

Canadian Express Collection Agency is a debt collection agency that helps businesses recover unpaid debts.

They operate primarily in Ontario, with an office located in Toronto. The agency handles both commercial and consumer debt collections.

Why is Canadian Express Collection Agency calling me?

If you've received a call from Canadian Express Collection Agency, 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.

Canadian Express Collection Agency 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 Canadian Express Collection Agency a legitimate collection agency?

Yes, Canadian Express Collection Agency is a legitimate debt collection agency based in Toronto, Ontario. The collection agency must maintain a licence in each province where it operates. It is not currently accredited by the BBB.

It's common for scammers to impersonate collection agencies, so always verify any debt in writing before paying.

Your rights when a debt collection agency like Canadian Express Collection Agency 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.
• 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 Canadian Express Collection Agency contacts you

1. Ask for written verification of the debt.
2. Ask for written proof before acknowledging the debt, answering questions, supplying any information or paying.
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 the money, dispute the debt and request written proof.
5. Consider speaking with a Licensed Insolvency Trustee for free advice.