Common Collection Agency

What is Common Collection Agency?

Common Collection Agency is a debt collection agency that works with businesses to recover unpaid debts.

They have a main call centre in Ontario and an office in Quebec, and they only serve Canadian clients. They don't buy debt or work with the U.S. market. They have been operating since 1962.

People say Common Collection Agency calls often, but they are usually open to working out a payment plan.

Why is Common Collection Agency calling me?

If Common Collection Agency is calling you, it's likely because a business has hired them to collect money you owe.

If you're not sure why they're calling, ask them to send you proof of the debt in writing before you give out any personal details or pay anything.

Is Common Collection Agency a legitimate collection agency?

Yes, Common Collection Agency is a real company that's been in business since 1962. They're licensed to collect debts all across Canada.

But keep in mind, some scammers pretend to be collection agencies. Always ask for written proof before you pay anything.

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 have to follow rules about what they can and can't do:

• Every time a debt collector contacts you, they must identify themselves.
• They can only call you during certain hours, usually between 7 AM and 9 PM, but the exact times depend on where you live.
• 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 proof in writing before you answer questions, share personal information, or make a payment.
• If you tell a debt collector not to call you at work, they have to stop.

What to do if a debt collection agency like Common Collection Agency contacts you

1. Ask them to send you proof of the debt in writing.
2. Don't say you owe the debt or give out personal details until you've seen proof.
3. If you want the calls to stop, you can write to the collection agency and ask them not to call you anymore. Just know this doesn't stop them from taking legal steps.
4. If you don't believe you owe the money, tell them you want to dispute the debt.
5. You can also talk to a Licensed Insolvency Trustee for free advice.