CGI Credit Guard

Why is CGI Credit Guard calling me?

If you've received a call from CGI Credit Guard, 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.

CGI Credit Guard collects for:

• Canadian banks and credit unions
• 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
• Building and construction trades (plumbing, electrical, painting, roofing, carpentry)
• Small businesses (privately owned corporations, partnerships, sole proprietorships)
• Manufacturers (made to stock, made to order, made to assemble)
• Wholesalers and distributors (food, fuel, lumber)
• Equipment leasing (machinery, vehicles, computers)
• Commercial and residential property leasing
• Professional services (lawyers, architects, accountants, engineers)
• Publishing and media (newspaper, telecommunications, subscriptions)

Is CGI Credit Guard a legitimate collection agency?

Yes, CGI Credit Guard is a legitimate debt collection agency established over 30 years ago. The collection agency must maintain a licence in each province where it operates.

CGI Credit Guard is a BBB Accredited Business with an A+ rating.

As scammers often impersonate collection agencies, be sure to verify any debt in writing before paying.

Your rights when a debt collection agency like CGI Credit Guard 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 CGI Credit Guard contacts you

1. Ask for written verification of the debt. 
2. Request written proof before acknowledging the debt, answering questions, providing 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.