Common Collection Agency

What is Common Collection Agency?

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

They have been operating since 1962 and have built a strong reputation as a leader in accounts receivable management in Canada.

The company is privately owned and managed by Canadians, focusing solely on Canadian creditors.

They operate nationally with a centralized call centre in Ontario and a regional office in Quebec. Their business is dedicated to serving Canadian clients, without involvement in the U.S. market or purchasing debt themselves.

Many consumers report that Common Collection Agency is persistent with phone calls but also willing to negotiate.

Why is Common Collection Agency calling me?

If you’ve received a call from Common Collection Agency, they’re probably 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.

Is Common Collection Agency a legitimate collection agency?

Yes, Common Collection Agency is a legitimate debt collection agency established in 1962. They are nationally licensed in all Canadian provinces and jurisdictions.

However, scammers sometimes impersonate collection agencies, so always verify any debt in writing before paying.

Common Collection Agency collects for:

• Walmart Rewards Mastercard (credit card company)
• BMO (Bank of Montreal) overdraft debts (banks and financial institutions)
• Virgin Mobile (telecommunications companies)
• RBC overdraft debts (banks and financial institutions)
• 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

Your rights when a debt collection agency like Common 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.
• Ask for written proof before answering questions, providing personal information, or paying anything.
• 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 Common Collection Agency contacts you

1. Ask for written verification of the debt.
2. Don't acknowledge that you owe the debt or supply sensitive information until you've verified it.
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 money, dispute the debt and ask for written proof.
5. Consider speaking with a Licensed Insolvency Trustee for free advice.