Central Credit Control

What is Central Credit Control?

Central Credit Control is a debt collection agency that helps businesses recover unpaid debts.

Their main office is in Barrie, Ontario, but they provide Canada-wide debt collection and accounts receivable management.

They collect debts for a variety of industries, including education, financial services, healthcare, landlord-tenant, retail, telecommunications, and utilities.

They work with both consumers and businesses. Many consumers report that Central Credit Control is persistent with phone calls.

Why is Central Credit Control calling me?

If you've received a call from Central Credit Control, 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.

Central Credit Control 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 Central Credit Control a legitimate collection agency?

Yes, Central Credit Control is a legitimate debt collection agency established in 1987. The collection agency must maintain a licence in each province where it operates.

Central Credit Control is a member of industry associations, including the Canadian Society of Collection Agencies (CSCA) and ACA International.

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 Central Credit Control 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 Central Credit Control contacts you

1. Ask for written verification of the debt.
2. Request 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 debt, dispute it and request written proof.
5. Consider speaking with a Licensed Insolvency Trustee for free advice.