At a glance Dixon Commercial Investigators (1982) Inc. is a Canadian debt collection agency established in 1956. They collect debts on behalf of small and medium-sized businesses, landlords and individual creditors across Canada.
If Dixon Commercial Investigators contacts you, ask for written confirmation of the debt before providing any personal details or making a payment.
Debt collection rules vary across provinces, but each has rules against harassment, misleading statements, and when collection agencies can call you.
What is Dixon Commercial Investigators?
Dixon Commercial Investigators (1982) Inc. is a national debt collection agency that recovers debts for small and medium-sized businesses, income property owners, and individuals.
Founded in 1956, their head office is at 91 Geneva Street, St. Catharines, Ontario.
The collection agency has offices in Ontario, Quebec, British Columbia, Saskatchewan, Alberta and Manitoba.
Contact Dixon Commercial Investigators
1-800-387-8929
Contact this debt collection agency to verify details, dispute the debt or resolve your account.
Visit agency websiteWhy is Dixon Commercial Investigators calling me?
If you've received a call, voicemail, text, email or letter from Dixon Commercial Investigators, the agency believes you have an outstanding account with a creditor it represents.
Sometimes the debt is legitimate. Other times it's an old account, an error, a debt you don't recognize, or a scam falsely using a legitimate company's name.
Always request written verification before confirming any debt or making a payment.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Who does Dixon Commercial Investigators collect for?
Dixon Commercial Investigators collects debts for a variety of small and medium-sized businesses. They also recover debts for landlords and individuals who have extended personal credit.
Dixon does not buy debt. It works on a commission basis for the original creditor.
Dixon Commercial Investigators has confirmed on its website that it handles bills, invoices, contracts, promissory notes, NSF cheques, conditional sales contracts and lease agreements.
Companies that use Dixon Commercial Investigators for debt collection
Submitted by consumers. We try to verify these reports but cannot always confirm them.
Know another company Dixon Commercial Investigators collects for?
Dixon Commercial Investigators phone numbers
These numbers are commonly associated with Dixon Commercial Investigators:
| Phone number | Type |
|---|---|
| Main | |
| 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 Dixon Commercial Investigators, verify the debt in writing and confirm the details before paying.
Is Dixon Commercial Investigators a legitimate collection agency?
Yes. Dixon Commercial Investigators (1982) Inc. is a legitimate debt collection agency that has been operating since 1956. The company publicly lists its offices and contact details in multiple provinces.
Will Dixon Commercial Investigators affect my credit score?
A collection account from Dixon Commercial Investigators 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, known as the date of first delinquency. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Source: Equifax Canada – How long does information stay on my credit report
Check your own report to see whether Dixon Commercial Investigators has reported the account and whether the information is correct.
What to do if Dixon Commercial Investigators 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 Dixon Commercial Investigators 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, Dixon Commercial Investigators 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
Your rights when Dixon Commercial Investigators contacts you
Dixon Commercial Investigators must comply with provincial debt collection regulations in every province where it operates.
Every province in Canada has rules against harassment, false or misleading statements and contact outside permitted hours. The specific rules vary.
Provincial collection rules
The table below shows the four provinces where Dixon Commercial Investigators has its largest operations. However, the rules that apply to you are based on the province where you live, not the location of the collection agency.
Rules differ by province, so check the regulations for your specific jurisdiction.
Rule | Ontario | Quebec | Alberta | British Columbia |
|---|---|---|---|---|
Written notice before calling | Yes. 6-day wait after sending notice. | Yes. | No specific requirement | Yes. 5-day wait after sending notice. |
Contact hours (Mon to Sat) | 7:00 am to 9:00 pm | 7:00 am to 9:00 pm | 7:00 am to 10:00 pm (any day) | 7:00 am to 9:00 pm |
Contact hours (Sunday) | 1:00 pm to 5:00 pm | Not permitted | 7:00 am to 10:00 pm | 1:00 pm to 5:00 pm |
Statutory holidays | No contact | No contact | No contact | No contact |
Call frequency limit | 3 times per 7 days (same debt) | No fixed limit. Can't amount to harassment. | 3 times per 7 days (same creditor) | No fixed limit. Can't amount to harassment. |
Contact at work | Must stop if you ask | Must stop if you ask | Must stop if you make other arrangements | Must stop if you ask |
Rules in other provinces may differ, so check with your provincial consumer protection office for the specific rules that apply to you.
Sources: Government of Ontario – Stop collection agency calls, Government of Canada (FCAC) – Debt collection: know your rights, Consumer Protection BC – Debt collection and Government of Alberta – Collection and Debt Repayment Practices Regulation
What Dixon Commercial Investigators cannot do
Dixon Commercial Investigators cannot harass, threaten or intimidate you, give false or misleading information, use profane or coercive language, or apply unreasonable pressure.
If you ask them to stop calling your workplace, they must stop. If you dispute the debt in writing, all collection activity must stop until the matter is resolved.
They can't discuss your debt with family or employers, except to confirm contact information.
Source: Government of Canada (FCAC) – Debt collection: know your rights
How to spot a scam using Dixon Commercial Investigators' name
Scammers sometimes impersonate real collection agencies, including Dixon Commercial Investigators. A scammer won't name the original creditor and will threaten arrest or deportation. They might also demand payment by gift card, e-transfer or cryptocurrency.
Verify any contact using the official Dixon Commercial Investigators website before acknowledging the debt or paying anything.
Source: Government of Canada (FCAC) – Dealing with a debt collector
What if the debt is old?
Every province has a time limit on how long a collection agency like Dixon Commercial Investigators can sue you for an unpaid debt. In most provinces the limit is 2 years from your last payment or written acknowledgment of the debt. It's 3 years in Quebec and 6 years in the territories, Newfoundland and Labrador, and Prince Edward Island.
| 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, Dixon Commercial Investigators 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 Dixon Commercial Investigators
Send Dixon Commercial Investigators 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 Dixon Commercial Investigators 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 Dixon Commercial Investigators
In Canada, debt collection is regulated province by province, not federally. The rules ban harassment, calling outside set hours, discussing your debt with your family or employer, and threatening legal action they have no intention of taking.
Source: Government of Canada (FCAC) – Debt collection: know your rights
If you think that Dixon Commercial Investigators 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.
Has Dixon Commercial Investigators had regulatory actions?
Dixon Commercial Investigators (1982) Inc. has four regulatory actions on public record across two provinces.
Date | Jurisdiction | Action type | Outcome |
|---|---|---|---|
November 2022 | Alberta | Administrative penalty | $3,500 penalty for violations of the Consumer Protection Act and Collection and Debt Repayment Practices Regulation |
February 2025 | Alberta | Administrative penalty | $4,000 penalty for contraventions of the Consumer Protection Act and Collection and Debt Repayment Practices Regulation |
March 2025 | Alberta | Director's Order | Order requiring Dixon to ensure collectors hold active licences, cease calling debtors at work when asked, and stop collection activities immediately when a debtor disputes the debt in writing |
April 2025 | Ontario | Administrative penalty | $1,000 penalty under the Collection and Debt Settlement Services Act for continued contact with a debtor after a disputed debt |
Sources: Open Alberta – Notice of Administrative Penalty: Dixon Commercial Investigators (1982) Inc. (February 2025), Open Alberta – Notice of Administrative Penalty: Jay Dixon and Dixon Commercial Investigators (1982) Inc. (November 2022), Open Alberta – Director's Order: Dixon Commercial Investigators (1982) Inc., Ontario Consumer Beware List – Dixon Commercial Investigators (1982) Inc.
Dixon Commercial Investigators locations
Locations that Dixon Commercial Investigators 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
Dixon Commercial Investigators (1982) Inc
Also known as
Dixon Commercial Collections
Dixon Commercial Collection Agency
FAQs
Yes. Dixon Commercial Investigators (1982) Inc. is commonly referred to as Dixon Commercial or simply Dixon.
If you've received a call or letter from Dixon Commercial, it's the same company. Verify the details using official contact information.
Ask for written verification of the original creditor's name, the amount owed, a breakdown of principal, interest and fees, the account reference number and the date of last activity.
Don't confirm any personal details or make a payment until you have this in writing.
Source: Government of Canada (FCAC) – Debt collection: know your rights
Request written verification showing the original creditor's name and the amount owed. Don't pay until you've confirmed it's legitimate.
If you think there's a mistake, dispute the debt in writing by registered mail and keep copies of everything you send.
Dixon Commercial Investigators cannot garnish your wages or freeze your bank account without a court judgment. To do either, Dixon Commercial Investigators needs to take you to court and win.
A phone call from Dixon Commercial Investigators does not mean the agency has a judgment against you.
Yes. You can negotiate a settlement at any stage of the collections process. Get the settlement terms in writing before you pay, and confirm that the remaining balance will be forgiven.
Ask Dixon Commercial Investigators how the settled account will be reported to Equifax and TransUnion.
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.