Debt Control Agency Inc. (DCA) is a Toronto-based debt collection agency with collection centres in Ontario, British Columbia and Quebec.
DCA collects unpaid accounts for other companies. So if they contact you, it means a creditor has placed your account with them for collection.
Get written proof of the debt before you pay or share personal details. If the amount looks incorrect or you don't recognize the debt, dispute it in writing. If the agency harasses you, calls outside permitted hours, or breaks the rules, complain to your provincial regulator.
What is Debt Control Agency (DCA)?
Debt Control Agency (DCA) is a third-party collection agency based in Toronto, Ontario. Their legal name is Debt Control Agency Inc. and they have locations in Ontario, British Columbia and Quebec.
DCA is hired by the original creditor (like a bank or credit card company) to collect a debt, and they earn a commission for doing so.
Their clients are businesses across Canada, including telecom providers, lenders, toll operators and retailers.
Contact Debt Control Agency (DCA)
1-866-307-5322
Contact this debt collection agency to verify details, dispute the debt or resolve your account.
Visit agency websiteWhy is Debt Control Agency calling me?
Debt Control Agency is likely calling because a creditor hired them to collect an unpaid debt. They may also leave voicemails or send letters, emails and texts.
The debt is often real. But it might also be old, already settled, or belong to someone else. Sometimes a collector is trying to reach the previous owner of your phone number, or has the wrong person entirely.
Don't confirm or pay anything by phone until you've seen written proof of the creditor, the amount, the account number, and the date of last activity.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Who does Debt Control Agency collect for?
Consumers report being contacted by DCA about debts from the companies below. Telecom and lending accounts come up often.
Industry | Consumer-reported creditors |
|---|---|
Telecom | Telus, Rogers Communications |
Lending | goeasy, PAY2DAY |
Toll roads | 407 ETR |
Retail | Canadian Tire |
Note: the companies listed above are gathered from user-submitted entries, consumer reports, online discussions, and public records. They do not represent confirmed contractual relationships with Debt Control Agency Inc.
Companies that use Debt Control Agency (DCA) for debt collection
Submitted by consumers. We try to verify these reports but cannot always confirm them.
Know another company Debt Control Agency (DCA) collects for?
Debt Control Agency (DCA) phone numbers
These numbers are commonly associated with Debt Control Agency (DCA):
| Phone number | Type |
|---|---|
| Main | |
| Local Office | |
| Local Office | |
| Local Office | |
| User Reported |
Some numbers are submitted by users. We call to verify each one and recheck periodically, but numbers can change.
Got a call from a number not shown here?
If you receive a call from a different number claiming to be Debt Control Agency (DCA), verify the debt in writing and confirm the details before paying.
Is Debt Control Agency a legitimate collection agency?
Yes. Debt Control Agency is a real collection agency, incorporated as Debt Control Agency Inc. and still operates under that name.
They belong to the Credit Association of Greater Toronto and the Receivables Management Association of Canada.
Scammers do impersonate real agencies, so check the sender before you pay. Visit the official website to get accurate information, and contact them directly if you're not sure.
Will Debt Control Agency (DCA) affect my credit score?
A collection account from Debt Control Agency (DCA) will severely damage your credit score once it's reported to Equifax or TransUnion.
It stays on your credit report for 6 years from the date of your first missed payment. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Check your own report to see whether Debt Control Agency (DCA) has reported the account and whether the information is correct.
What to do if Debt Control Agency (DCA) calls you (step by step)
Step 1: Ask for written verification. Get the original creditor's name, amount, account number and the date of last activity. Don't confirm anything until you've reviewed it in writing.
Step 2: Don't share personal details. No address, date of birth or banking information until you've confirmed the debt is yours.
Step 3: Check your credit report to see what Debt Control Agency (DCA) has reported about you. Get your free credit score and report with Borrowell.
Step 4: Dispute the debt in writing if it's wrong. Keep copies of everything you send.
Step 5: Check the statute of limitations in your province before you pay or acknowledge the debt in writing.
Step 6: Settle if the debt is correct. Sometimes, Debt Control Agency (DCA) might accept a one-time lump sum for less than the full balance. Get any agreement in writing before you pay.
Step 7: Pay by a traceable method like online banking, e-Transfer, or card. Get a receipt.
Step 8: Get help if you can't pay. Talk to a Licensed Insolvency Trustee or non-profit credit counsellor.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Not in Ontario, Alberta, BC, Nunavut or the NWT? Find a trustee in your province
What if the debt is old?
Every province has a time limit on how long a collection agency like Debt Control Agency (DCA) can sue you for an unpaid debt.
| Province / Territory | Limitation period |
|---|---|
| Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia | 2 years |
| Quebec | 3 years |
| Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon | 6 years |
Once the limitation period expires, Debt Control Agency (DCA) can still sue you, but you can raise the expired limitation period as a complete defence. The defence isn't automatic. You have to file a defence in court and plead the expired limitation period. If you don't, the court will grant default judgment as if the limitation didn't apply.
Making a payment or acknowledging the debt in writing restarts the limitation period, but only if it hasn't already expired.
These limitation periods apply to most consumer debts like credit cards, lines of credit, and personal loans. Different rules may apply to government debts, court judgments, or secured debts like mortgages.
For more information, read our guide about debt statute of limitations.
How to stop calls from Debt Control Agency (DCA)
Send Debt Control Agency (DCA) a cease and desist letter. Once they receive it, they have to stop phoning. The debt doesn't go away, and they can still take legal action.
Use our cease and desist letter templates
Provincial law doesn't give you this right in Manitoba, Saskatchewan, Newfoundland and Labrador, Prince Edward Island or the Yukon.
However, if the debt's on a loan, line of credit, or credit card, send the letter by registered mail under federal law. If Debt Control Agency (DCA) is physically based in Ontario, use Ontario's law instead.
Read more: How to stop collection calls in Canada.
How to file a complaint about Debt Control Agency (DCA)
If you think that Debt Control Agency (DCA) is breaking any debt collection rules, contact the consumer protection authority in your province.
Before filing, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
Accreditations
Debt Control Agency (DCA) locations
Locations that Debt Control Agency (DCA) operate in:
Provinces served
- Alberta
- British Columbia
- Manitoba
- New Brunswick
- Newfoundland and Labrador
- Northwest Territories
- Nova Scotia
- Nunavut
- Ontario
- Prince Edward Island
- Quebec
- Saskatchewan
- Yukon
Legal Name
Debt Control Agency Inc.
Also known as
DCA
Common variations
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
DCA Debt Control Agency
Debtcontrolagency
DCA agency
FAQs
Ask for written verification of the creditor, the amount, the account number, and the date of last activity. Don't pay or confirm anything until it checks out, and dispute it in writing if it's wrong.
A good first step is to check your credit report to see if a collection agency has reported anything about you. Get your free report with Borrowell.
Not immediately. Debt Control Agency would have to sue you, win a court judgment and get a garnishment order first.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Yes, a collection agency can take you to court, but whether they do depends on a number of factors, including your financial situation, the balance and the creditor's instructions.
Only to confirm your contact details, and they can't discuss your debt with them. In Ontario, they can contact your employer once to confirm you work there. Learn more about how to stop collection calls at work.
Collections stay on your credit report for six years, starting from the date you first fell behind. Paying it updates the status to paid, but doesn't remove it early.
Source: Equifax Canada – How long does information stay on my credit report?
Often yes, but DCA collects for the creditor and doesn't own the debt, so the creditor has to approve any reduced amount. Get the agreement in writing, including the amount and how the account will be reported, before you pay. Always get a receipt.
The debt doesn't disappear. They will continue to contact you, it can be reported to the credit bureaus, and you risk being sued. If you can't afford to pay, get advice from a Licensed Insolvency Trustee or from a credit counsellor.
Call DCA on 1-866-307-5322 or visit their website.
Other collection agencies in Canada
Joe launched CollectionAgencies.ca in 2025. He has worked in Canadian personal finance since 2023. He maintains the directory, researches collection agencies across Canada and manages the site's editorial content. Agency listings are sourced from provincial licensing records and legislation.