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.
Why 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
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.
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.
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
Consumer reports link Dixon Commercial Investigators to three creditors, most often in commercial and retail.
Submitted by consumers. We try to verify these reports but cannot always confirm them.
Know another company Dixon Commercial Investigators collects for?
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
What to do if Dixon Commercial Investigators calls you (step by step)
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.
Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia
Quebec
Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon
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
Sometimes, you can stop collection calls from a collection agency by sending a cease and desist letter. Once Dixon Commercial Investigators receive it, they have to stop calling. The debt doesn't go away, and they can still take legal action. You can 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.
Regardless of province, if the debt's on a loan, line of credit, or credit card, send the letter by registered mail under federal law. Federal law is the only law in Canada that also stops an original creditor's in-house collectors, not just a collection agency. You can send it to your original creditor and its collection agent, a collection agency or a law firm.
If Dixon Commercial Investigators is making collection calls to you from its Ontario location, then you can send a cease and desist letter available under Ontario's law.
Restrictions on calls to your workplace
Many provinces and territories place restrictions on collection agencies when they attempt to call you at your workplace.
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 Dixon Commercial Investigators is breaking any debt collection or privacy laws, contact the consumer protection authority in your province.
Before making a written complaint, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
Some consumer protection agencies regulating the conduct of collection agencies will not process your complaint unless you first send a written complaint to the collection agency summarizing the conduct in question and making a request for remedial action.
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.
Legal Name
Dixon Commercial Investigators (1982) Inc
Dixon Commercial Collections
Dixon Commercial Collection Agency
