What is Gatestone?
Gatestone & Co. Inc. is a debt collection agency and contact centre that also provides customer care, technical support and back-office outsourcing. The company was founded in 1978 and is headquartered in North York, Ontario. Gatestone operates in both Canada and the United States.
Gatestone handles first-party and third-party debt collection for banks, telecommunications companies, government agencies, utilities and healthcare providers.
Why is Gatestone calling me?
A call, letter, text message, email or voicemail from Gatestone means a creditor has placed your account with them for collection.
Sometimes the debt is yours. Sometimes it's old, already paid or belongs to someone else entirely.
Don't confirm anything over the phone. Ask for written verification first. If the caller refuses to identify the original creditor, hang up and verify through Gatestone's official website.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Gatestone & Co. phone numbers
We called each of these numbers to confirm it reaches Gatestone & Co.. Select a number to see call reports and what to do if they contact you.
| Phone number | Type |
|---|---|
| Main | |
| Local Office | |
| User Reported | |
| User Reported | |
| 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 Gatestone & Co., verify the debt in writing and confirm the details before paying.
Who does Gatestone collect for?
Gatestone collects for banks, credit card companies, telecommunications providers, government agencies, utilities, healthcare providers and educational institutions.
Gatestone also handles collections for the Ontario Educational Collaborative Marketplace (OECM), covering debts from emergency loans, daycare, student residence fees and tuition.
Source: OECM – Collection Agency Services
Consumer reports link Gatestone & Co. to 19 creditors, most often in banking, education and government.
| Industry | Consumer-reported creditors |
|---|---|
| Telecommunications | |
| Banking & Financial Services | |
| Government & Municipal | |
| Courier & Shipping | |
| Healthcare | |
| Education & Student Loans |
Know another company Gatestone & Co. collects for?
Is Gatestone a legitimate collection agency?
Yes. Gatestone & Co. Inc. is a legitimate debt collection agency dating back to 1978. Gatestone is headquartered in North York, Ontario, and publicly lists its address and phone numbers.
Gatestone is not BBB accredited. Gatestone is a member of the Canadian Society of Collection Agencies, ACA International, and the Credit Association of Greater Toronto.
Will Gatestone & Co. affect my credit score?
A collection account from Gatestone & Co. 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 Gatestone & Co. calls you (step by step)
What if the debt is old?
Every province has a time limit on how long a collection agency like Gatestone & Co. 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, Gatestone & Co. 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 Gatestone & Co.
Sometimes, you can stop collection calls from a collection agency by sending a cease and desist letter. Once Gatestone & Co. 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 Gatestone & Co. 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.
Accreditations
Legal Name
Gatestone & Co Inc.
Gatestone & Co
Gatestone and Co
Gatestone BPO
People sometimes search for this agency under slightly different names or misspellings. These are the most common variations we see.
Gatestone Collections
Gatestone Credit Collection
Gate Stone Collection Agency
How to file a complaint about Gatestone
If Gatestone & Co doesn't follow the 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.
You can also file a complaint through the Better Business Bureau (BBB).
Ontario's Ministry of Public and Business Service Delivery has previously taken enforcement action against Gatestone. As of February 2026, Gatestone appears on Ontario's Consumer Beware List.
Source: Government of Ontario – Consumer Beware List
