Credit Bureau Services Canada

What is Credit Bureau Services Canada?

Credit Bureau Services Canada is a debt collection agency that works with businesses to recover money that hasn't been paid.

They've been in business since 1932, with offices in Ontario and Quebec, and they work with clients all over Canada.

They collect debts for a wide range of industries, including municipal and regional governments, financial institutions, healthcare providers, education, utilities, retail chains, and small to medium-sized businesses.

They often handle legal collections, like small claims court cases, using their own legal team. People sometimes mention that the agency can be quite persistent with phone calls when they're trying to collect a debt.

Why is Credit Bureau Services Canada calling me?

If Credit Bureau Services Canada has called you, it's usually because they're trying to collect a debt for another company or organization.

If you're not sure why they're reaching out, ask them to send you written proof of the debt before you share any personal details or make a payment.

Credit Bureau Services Canada collects for:

• Municipal and regional governments
• Financial institutions
• Healthcare providers and hospitals
• Education and student loans
• Utilities (hydro, gas, water)
• National retail chains
• Commercial businesses
• Insurance companies and brokers
• Dental practices and medical professionals
• Car dealerships
• Telecommunications companies (phone, internet, cable)
• Banks and financial institutions
• Government agencies
• Credit card companies
• Retail stores

Is Credit Bureau Services Canada a legitimate collection agency?

Yes, Credit Bureau Services Canada is a real and licensed debt collection agency that's been around since 1932. They have to be licensed in every province where they work.

Since scammers sometimes pretend to be collection agencies, it's a good idea to ask for written proof of any debt before you pay.

Your rights when a debt collection agency like Credit Bureau Services Canada contacts you

Debt collectors have to follow rules about what they can and can't do when they contact you:

• 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 Credit Bureau Services Canada 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 believe you don't owe the money, let them know you want to dispute the debt and ask for written proof.
5. Consider speaking with a Licensed Insolvency Trustee for free advice.