DCA (Debt Control Agency)

What is DCA (Debt Control Agency)?

DCA (Debt Control Agency) is a debt collection agency that helps businesses recover unpaid debts. They offer third-party debt collection services for a wide range of creditors across multiple industries.

They operate primarily in Canada, with offices serving clients in various provinces. The company has been in existence for several years, though the exact founding date is not specified on its website.

DCA collects debts for many types of creditors, including telecommunications companies, banks, government agencies, healthcare providers, utilities, education, commercial businesses, credit card companies, and retail stores. They are known to be persistent with phone calls and firm in their collection efforts.

Why is DCA (Debt Control Agency) calling me?

If you've received a call from DCA (Debt Control Agency), 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.

DCA (Debt Control Agency) collects for:

• Telecommunications companies like Telus (phone, internet, cable)
• Banks and financial institutions
• Payday loan companies (PAY2DAY)
• Government agencies
• Healthcare providers and hospitals
• Utilities (hydro, gas, water)
• Education and student loans
• Commercial businesses
• Credit card companies
• Retail stores

Is DCA (Debt Control Agency) a legitimate collection agency?

Yes, DCA (Debt Control Agency) is a legitimate debt collection agency. Their branches and employees are licensed.

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

Your rights when a debt collection agency like DCA (Debt Control 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 DCA (Debt Control 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 the money, dispute the debt and request written proof.
5. Consider speaking with a Licensed Insolvency Trustee for free advice.